White Bear Lake, MN population, income and ZIP codes

White Bear Lake city is a mid-size town in Minnesota, with 24,026 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #45 of 914 ranked by population — larger than 95% of them. The median age here is 42.1 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in White Bear Lake city earn a median of $79,712 a year, 1.5% above the national figure of $78,538 and 6% above the $75,469 median for the 361 Minnesota cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 7.8% of residents here, below the 12.4% national rate.

The typical owner-occupied home in White Bear Lake city is valued at $318,000, 4.8% above the national figure and 32% above the $240,400 peer median, while median gross rent runs $1,540 a month, 9.5% above the national figure, or roughly $18,480 across a full year. A household on the local median income would put about 23.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 65.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. 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.

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.