Lake St. Croix Beach, MN population, income and ZIP codes

Lake St. Croix Beach city is a small town in Minnesota, with 1,106 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #350 of 914 ranked by population — larger than 61% of them. The median age here is 54.1 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Lake St. Croix Beach city earn a median of $100,134 a year, 27.5% above the national figure of $78,538 and 33% above the $75,469 median for the 361 Minnesota cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 12.1% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Lake St. Croix Beach city is valued at $334,600, 10.3% above the national figure and 39% above the $240,400 peer median, while median gross rent runs $963 a month, 31.5% below the national figure, or roughly $11,556 across a full year. A household on the local median income would put about 11.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 95.2% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 54.1 puts Lake St. Croix Beach city well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.