White Bear Lake, Minnesota

Population

Down 5.6% since 2020.

23,392

people, the 47th-largest of Minnesota's cities and towns.

Census Population Estimates, 2025. Rank among Minnesota's cities and towns computed by the Almanac. Sources: Census Population Estimates

The workday

9 in 10 jobs here go to people who live somewhere else.

89.2%

of 12,669 jobs located in White Bear Lake are filled by in-commuters.

Census LEHD LODES, 2023. Sources: Census LEHD LODES

Unemployment, 2026

The low came in April: 4.2%.

5.4%

in August 2026, the latest month released. A year earlier it was 4.8%.

BLS Local Area Unemployment Statistics, monthly, through August 2026. Not seasonally adjusted, so compare with the same month a year earlier. Sources: BLS Local Area Unemployment Statistics

Rent

Median rent is up 81% since the 2005–2009 survey, before inflation.

$1,601

a month. Minnesota's median is $1,280.

Census ACS 5-year, 2020-2024 (latest), with earlier 5-year windows. Sources: Census ACS 5-year

The seam

Cross one tract line and median rent doubles.

A $2,112 gap between neighbors, the sharpest rent edge between adjacent tracts in Ramsey County.

• $1,389 Tract 407.08
• $3,501 Tract 406.01

Census ACS 5-year, 2020-2024, adjacent tracts compared by the Almanac. Tract estimates carry wide margins of error. Sources: Census ACS 5-year

Room to build

The median rent is above what local wages can carry.

$1,049–$1,573

is the monthly rent range local workforce wages support.

• $1,601 median

Supportable rent computed by the Almanac from 2023 source wage data. Median rent: Census ACS 5-year, 2020-2024. Sources: Computed by the Almanac, Census ACS 5-year

Building

Most of the housing here is older than 2000.

• 95 homes permitted in ten years, 2016–2025
• 4% of those were in multifamily buildings
• 86% of all homes were built before 2000

Census Building Permits Survey, 2016–2025; Census ACS 5-year, 2020-2024. Sources: Census Building Permits Survey, Census ACS 5-year

Units needed

Closing the gap would add 0.3–1.1% to the 11,060 homes here.

31–127

is the estimated number of missing housing units, from the lowest to the highest of three estimates.

Range computed by the Almanac from 2023 jobs and household data, using three demand models: 1% of jobs located here, 1% of renter households, and a rate by town size applied to renters. The low end is the lowest of the three and the high end the highest. It is an estimate, not a count. Sources: Computed by the Almanac

Home value

A median home costs 1% more than Minnesota's.

$331,800

median home value in White Bear Lake.

• $331,800 White Bear Lake
• $329,300 Minnesota
• $332,700 U.S.

Census ACS 5-year, 2020-2024. Sources: Census ACS 5-year