Median Income
$66,500
12% lower than US avg
Home Value
$400,000
42% higher than US avg
Violent Crime
129/100K
66% lower than US avg
Bachelor's+
14.3%
58% lower than US avg
Obesity Rate
34.9%
9% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
9.8%
21% lower than US avg
How Silver Creek Compares to the U.S. Average (100% = U.S. avg)
People
Population156
Median Age64.8 yrs
Density105/mi²
Male / Female54% / 46%
Largest GroupWhite 100%
Veterans7.3%
Economy
A
Median Income$66,500
Per Capita$37,533
Unemployment0.0%
Poverty9.8%
County GDP$7,314M
Commute21 min
Housing
B
Home Value$400,000
Ownership100.0%
Zillow$367,091
Housing Units68
Rent Burden27.4%
Crime
F
Violent129/100K
Property878/100K
Health
Obesity34.9%
Uninsured6.8%
Smoking13.1%
Depression25.0%
Heart Disease4.6%
Climate
Avg Temp44°F (7°C)
AQI36 (Good)
Rain31.7 in/yr
Sunny Days270/yr
Elevation996 ft (304 m)
Education
C
Bachelor's+14.3%
High School+86.5%
Graduate+0.0%
School Score6.92
Community
2024 VoteR 64% / D 34%
Commute21 min
Broadband74.0%
EV Stations1
Libraries9
Is Silver Creek a Good Place to Live?
Based on current data, Silver Creek receives an overall livability score of 2.6 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, abundant sunshine, high health insurance coverage. Areas to be aware of include high housing costs. Silver Creek has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Silver Creek is $66,500, 12% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. 9.8% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Silver Creek is $400,000, 42% above the national median. The price-to-income ratio of 6x means housing costs are stretched relative to local earnings.
Safety & Crime
Silver Creek is a very safe community with a violent crime rate of 129 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 878 per 100,000, 55% below the national average.
Education
14.3% of residents hold a bachelor's degree, below the national average of 33.7%. 86.5% have completed high school. Local schools score 6.9/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Silver Creek has a cool climate with an average annual temperature of 44°F. Winters average 12°F in January while summers reach 71°F in July. With 270 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 31.7 inches, including 39.8 inches of snow. Air quality is rated Good with a median AQI of 36.
Silver Creek has a population of 156 with a density of 105 people per square mile, spread across 1.7 square miles. The median age is 64.8 years, 67% older than the national median of 38.9. The gender split is 46.2% female and 53.8% male. The city is predominantly White (100%). English is the primary language spoken at home by 100% of residents. 7.3% of the population are veterans, above the national rate of 6.0%. 19.1% of residents have a disability (above the 13.0% national average). 100.0% have health insurance coverage.
Population
64.8yrs
Median Age
67% above US avg
Race & Ethnicity
Silver Creek vs U.S. Average
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
Social Characteristics
Silver Creek vs U.S. Average
The median household income in Silver Creek is $66,500, which is 12% below the national average of $75,149. Per capita income is $37,533. The average weekly wage is $1,077, 25% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 9.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 3,984 business establishments, including 224 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 7.8% of workers work from home (below the 15.2% national rate).
Income: Silver Creek vs U.S.
Income
| Median HH Income | $66,500 |
| 12% below US avg |
| Per Capita Income | $37,533 |
| Avg Weekly Wage | $1,077 |
| IRS Avg AGI | $91,811 |
| Gini Index | 0.379 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 9.8% |
| 21% below US avg |
| Establishments (County) | 3,984 |
| County GDP | $7,314M |
Business (County)
| Restaurants | 224 |
| Healthcare | 366 |
| Retail | 401 |
| Manufacturing | 188 |
Tax & Cost of Living
| Property Tax (IRS) | $4,714 |
| 35% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 1.18% |
Commute & Transportation
| Commute Time | 20.6 min |
| Drive Alone | 85.9% |
| Public Transit | 0.0% |
| Work from Home | 7.8% |
The median home value in Silver Creek is $400,000, 42% above the national median of $281,900. Zillow estimates the typical home value at $367,091. Fair market rent ranges from $899 for a one-bedroom to $1,125 for a two-bedroom apartment. 100.0% of housing units are owner-occupied (above the 65.4% national rate). There are 68 total housing units in the city. The median year a home was built is 1958. The average annual property tax is $4,714 (higher than the $3,500 national average). 27.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 6x, above the traditionally affordable threshold of 3-4x.
Home Values
| Census Median | $400,000 |
| 42% above US avg |
| Zillow ZHVI | $367,091 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 100.0% |
| Owner-Occupied | 100.0% |
| Renter-Occupied | 0.0% |
| Housing Units | 68 |
| Median Year Built | 1958 |
Property Tax
| Avg Tax (IRS) | $4,714 |
| 35% above US avg |
| Effective Rate | 1.18% |
In Silver Creek, 34.9% of adults are obese, above the national rate of 32.1%. 8.0% have diabetes (below the 10.5% national rate). Heart disease affects 4.6% of residents, below the national average. 28.3% have high blood pressure. 13.1% are current smokers. 22.0% report binge drinking. 19.4% are physically inactive, below the national average. 25.0% report depression (above the 20.0% national average). 16.0% experience frequent mental distress. 6.8% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:2,541. The dentist ratio is 1:2,509. 82.1% of residents have access to exercise opportunities. The food environment index is 9.7 out of 10.
Health Metrics: Silver Creek vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.9% |
| 9% above US avg |
| Diabetes | 8.0% |
| Heart Disease | 4.6% |
| High Blood Pressure | 28.3% |
| Asthma | 10.1% |
| COPD | 4.6% |
| Cancer | 7.5% |
| Stroke | 2.5% |
Behaviors & Mental Health
| Smoking | 13.1% |
| 6% below US avg |
| Binge Drinking | 22.0% |
| Physical Inactivity | 19.4% |
| Depression | 25.0% |
| Mental Distress | 16.0% |
| Physical Distress | 10.4% |
| Short Sleep | 32.1% |
Healthcare Access
| Insurance Rate | 100.0% |
| Uninsured | 6.8% |
| 21% below US avg |
| Primary Care | 1:2,541 |
| Dentists | 1:2,509 |
| Mental Health | 1:748 |
| Checkup Rate | 72.6% |
| Dental Visits | 65.6% |
| Premature Death | 5,106/100K |
Food & Exercise
| Food Environment | 9.7/10 |
| Exercise Access | 82.1% |
| Healthcare Facilities | 366 |
Silver Creek has a violent crime rate of 129 per 100,000 residents, 66% below the national average of 380. Property crime stands at 878 per 100,000, 55% below the U.S. average. The county recorded 10 fatal traffic crashes. Overall, Silver Creek receives a safety grade of F.
Crime Rates: Silver Creek vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 128.5/100K |
| 66% below US avg |
| |
Property Crime
| Total Property | 878.3/100K |
| 55% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 10 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Silver Creek has a cool climate with an average annual temperature of 44°F (7°C). Winters average 12°F in January while summers reach 71°F in July. The area gets 270 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 31.7 inches. The area receives 39.8 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 996 feet.
Temperature
12°F Jan (-11°C)
71°F Jul (22°C)
| Annual Average | 43.8°F |
| 19% below US avg |
| January Average | 12°F (-11°C) |
| July Average | 71°F (22°C) |
| Sunny Days | 270 days/yr |
Geography
| Elevation | 996 ft (304 m) |
| Area | 1.7 sq mi (4.3 km²) |
| Population Density | 105/sq mi |
| Coordinates | 45.3082°N, 93.9864°W |
| Timezone | America/Chicago |
| County | Wright County County |
| Nearest Airport | St Cloud Regional (STC)
17 miles away |
Precipitation & Snow
Annual Rainfall
31.7"
16% below US avg
Wettest Month (Jun)
4.29"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0501 ppm |
| PM2.5 (Fine Particles) | 8.6 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 68.4 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 98.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
3 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.1. Most recent: M2.8 on Apr 25, 2017.
| Feb 9, 1994 |
6 km NNE of Blomkest, Minnesota |
M3.1 |
87 km |
| Apr 25, 2017 |
Near Mankato, Minnesota |
M2.8 |
125 km |
| Apr 29, 2011 |
Minnesota |
M2.5 |
142 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
450 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 32 fatalities, 1,087 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 3, 1983 |
EF4 |
53 km |
0 |
| May 6, 1965 |
EF4 |
62 km |
3 |
| May 6, 1965 |
EF4 |
62 km |
0 |
| May 6, 1965 |
EF4 |
63 km |
3 |
| May 6, 1965 |
EF4 |
60 km |
6 |
| May 21, 1957 |
EF4 |
92 km |
0 |
| Jun 19, 1951 |
EF4 |
56 km |
1 |
| Jul 11, 2008 |
EF3 |
94 km |
0 |
| May 25, 2008 |
EF3 |
75 km |
1 |
| Sep 18, 1997 |
EF3 |
85 km |
1 |
| Jul 1, 1997 |
EF3 |
21 km |
0 |
| Jun 16, 1992 |
EF3 |
37 km |
0 |
| Jul 23, 1987 |
EF3 |
43 km |
0 |
| Apr 26, 1984 |
EF3 |
67 km |
1 |
| Jun 14, 1981 |
EF3 |
78 km |
1 |
| Sep 3, 1980 |
EF3 |
31 km |
1 |
| May 6, 1965 |
EF3 |
71 km |
0 |
| May 5, 1964 |
EF3 |
69 km |
0 |
| May 24, 1958 |
EF3 |
83 km |
0 |
| Jul 20, 1951 |
EF3 |
57 km |
5 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNIT 4 (5,887 ac, 2002).
| Year |
Name |
Acres |
Distance |
| 2002 |
UNIT 4 |
5,887 |
27 km |
| 2003 |
UNITS 37 38 39 A |
4,879 |
30 km |
| 1998 |
UNITS 1617 |
4,649 |
32 km |
| 2005 |
RX HFR 05 |
4,253 |
31 km |
| 2009 |
BU9 |
4,112 |
28 km |
| 2007 |
WUI 07 - UNIT 36 |
4,025 |
30 km |
| 1988 |
UNNAMED |
3,642 |
100 km |
| 2000 |
UNIT 25 |
3,412 |
29 km |
| 2009 |
BU11 |
3,242 |
27 km |
| 1997 |
BIG |
2,987 |
29 km |
| 2009 |
UNNAMED |
2,904 |
69 km |
| 2003 |
UNITS 34 33 W |
2,637 |
28 km |
| 2024 |
UNIT 8E RX |
2,551 |
28 km |
| 1992 |
SHARPTAIL |
2,288 |
27 km |
| 1988 |
UNNAMED |
2,243 |
62 km |
| 2010 |
WUI 10 UNIT D |
2,042 |
28 km |
| 1996 |
UNNAMED |
1,906 |
30 km |
| 2006 |
UNIT 4 |
1,732 |
29 km |
| 1987 |
UNNAMED |
1,655 |
72 km |
| 2009 |
UNIT 23 24 26 |
1,644 |
29 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
12°F (-11°C) |
0.8 in |
Coldest |
| February |
18°F (-8°C) |
0.8 in |
Driest |
| March |
30°F (-1°C) |
1.5 in |
|
| April |
45°F (7°C) |
2.4 in |
|
| May |
58°F (15°C) |
3.3 in |
|
| June |
67°F (20°C) |
4.3 in |
Wettest |
| July |
71°F (22°C) |
3.7 in |
Warmest |
| August |
69°F (21°C) |
3.7 in |
|
| September |
60°F (15°C) |
3.1 in |
|
| October |
48°F (9°C) |
2.3 in |
|
| November |
31°F (-1°C) |
1.5 in |
|
| December |
17°F (-9°C) |
0.9 in |
|
Silver Creek has a seasonal temperature swing of 59°F / from 12°F in January to 71°F in July. Total annual precipitation is 28.4 inches, with June being the wettest month (4.3") and February the driest (0.8").
Average costs for common services in Silver Creek. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$247 ($148–$394) |
| Specialist Visit |
$345 ($197–$542) |
| Urgent Care Visit |
$197 ($99–$345) |
| Emergency Room Visit |
$2,169 ($789–$4,930) |
| Dental Cleaning |
$128 ($74–$197) |
| Dental Filling |
$247 ($148–$394) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($25–$74) |
| Oil Change (Synthetic) |
$74 ($49–$118) |
| Brake Pad Replacement |
$296 ($148–$493) |
| Tire Rotation |
$39 ($20–$74) |
| New Tires (Set of 4) |
$592 ($394–$986) |
| Battery Replacement |
$197 ($99–$345) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$99 ($59–$148) |
| Electrician (Per Hour) |
$89 ($49–$138) |
| HVAC Repair |
$394 ($148–$789) |
| HVAC System Install |
$6,902 ($3,944–$11,832) |
| Roof Repair |
$986 ($394–$1,972) |
| Roof Replacement |
$8,874 ($5,423–$14,790) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,479 ($493–$3,451) |
| Divorce (Contested) |
$14,790 ($4,930–$29,580) |
| DUI Defense |
$4,930 ($1,972–$9,860) |
| Bankruptcy (Chapter 7) |
$1,479 ($789–$2,958) |
| Will Preparation |
$493 ($197–$986) |
| Trust Preparation |
$2,465 ($986–$4,930) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$44) |
| Women's Haircut |
$54 ($30–$99) |
| Hair Coloring (Full) |
$148 ($74–$247) |
| Manicure |
$25 ($15–$44) |
| Pedicure |
$39 ($25–$64) |
| Massage (1 Hour) |
$79 ($49–$128) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.04 ($2.96–$5.42) |
| Dozen Eggs (per dozen) |
$3.45 ($2.47–$4.93) |
| Loaf of Bread |
$3.75 ($2.47–$5.42) |
| Chicken Breast (per lb) |
$4.44 ($2.96–$6.41) |
| Ground Beef (per lb) |
$5.42 ($3.94–$7.40) |
| Rice (per lb) |
$0.99 ($0.59–$1.77) |
View all 20 services
Utilities
| Electricity (Monthly) |
$138 ($79–$247) |
| Natural Gas (Monthly) |
$69 ($30–$148) |
| Water/Sewer (Monthly) |
$69 ($39–$118) |
| Internet (Monthly) |
$69 ($39–$99) |
| Cell Phone Plan (Monthly) |
$64 ($30–$99) |
| Cable TV (Monthly) |
$84 ($49–$148) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$197 ($74–$493) |
| Car Insurance (Annual) |
$1,972 ($1,183–$3,451) |
| Bus Pass (Monthly) |
$69 ($30–$128) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.89–$25) |
| Car Registration (Annual) |
$99 ($30–$247) |
| Driver's License Renewal |
$30 ($15–$74) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,183 ($592–$2,465) |
| Daycare (Toddler, Monthly) |
$986 ($493–$1,972) |
| After-School Care (Monthly) |
$394 ($197–$690) |
| Tutoring (Per Hour) |
$49 ($25–$99) |
| SAT/ACT Prep Course |
$986 ($394–$2,465) |
| Private School (K-12, Annual) |
$12,325 ($4,930–$29,580) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($30–$99) |
| Dog Vaccination (Annual) |
$99 ($49–$197) |
| Dog Grooming |
$59 ($30–$99) |
| Pet Boarding (Per Night) |
$39 ($20–$74) |
| Dog Spay/Neuter |
$296 ($148–$493) |
| Cat Spay/Neuter |
$197 ($99–$394) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,070 |
| Toddler | $945 |
| Preschool | $891 |
| Family Childcare (monthly) |
| Infant | $765 |
| Toddler | $650 |
| Preschool | $664 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Silver Creek
What is the population of Silver Creek?
Silver Creek has a population of 156 residents and is located in Minnesota. The population density is 105 people per square mile, spread across 1.7 square miles. The median age of residents is 64.8 years, which is older than the national median of 38.9 years. The population is 46.2% female and 53.8% male.
Is Silver Creek expensive to live in?
Silver Creek has a cost of living roughly in line with the national average, with an index of 98.6 (baseline: 100). The median household income is $66,500, 12% below the national average of $75,149. The median home value is $400,000 (42% above the U.S. median). The home price-to-income ratio is 6x, which means housing is a stretch relative to local earnings.
Is Silver Creek safe?
Silver Creek is considered a very safe city with a violent crime rate of 129 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 878 per 100,000 (below the national average). Overall, Silver Creek receives a safety grade of F based on combined crime data.
What is the weather like in Silver Creek?
Silver Creek has a cool climate with an average annual temperature of 44°F (7°C). Winter temperatures average 12°F in January, while summers reach an average of 71°F in July. The area receives 270 sunny days per year, well above the national average of 205. Annual rainfall totals 31.7 inches, with 39.8 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Silver Creek?
The job market in Silver Creek is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,077. There are 3,984 business establishments in the area, including 224 restaurants and food service locations. The average commute time is 21 minutes, and 7.8% of workers work from home.
How much does housing cost in Silver Creek?
The median home value in Silver Creek is $400,000. Zillow estimates the typical home value at $367,091. The homeownership rate is 100.0%. The average annual property tax is $4,714.
How are the schools in Silver Creek?
Schools in Silver Creek score 6.9 out of 10 on standardized testing, near the national average. 14.3% of adults in Silver Creek hold a bachelor's degree or higher, below the national average of 33.7%. 86.5% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Silver Creek?
The obesity rate in Silver Creek is 34.9% (above the national rate of 32.1%). 13.1% of adults are smokers. 19.4% are physically inactive. 25.0% of residents report depression. 6.8% lack health insurance (below the national rate). 82.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,541.
What is transportation like in Silver Creek?
The average commute in Silver Creek is 21 minutes, shorter than the national average of 28 minutes. 85.9% of workers drive alone to work, and 7.8% work from home.
What are the demographics of Silver Creek?
The racial and ethnic makeup of Silver Creek is 100% White. 100% of residents speak only English at home. 7.3% of the population are military veterans. 19.1% of residents have a disability. 100.0% have health insurance coverage.
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