Gem Lake city, Minnesota Demographics & Population 2026
As of 2026, Gem Lake city, Minnesota has a total population of 521, the 493rd largest city in Minnesota, with a median household income of $146,250, which is 67% higher than the state average. The poverty rate is 2.3%.
Key Takeaways
- Household income is 67% above the state average — one of the wealthiest communities in Minnesota.
- An exceptionally low poverty rate of 2.3% — among the lowest in Minnesota.
- 52.6% of adults hold a bachelor's degree or higher — top 10% in Minnesota.
- Near full employment with an unemployment rate of just 0.4%.
Gem Lake city Quick Facts
How Gem Lake city Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
Diversity Index
A less diverse community where one racial or ethnic group represents a large majority.
State average: 40 | National average: 60
Education
Educational Attainment (Adults 25+)
Gem Lake city Rankings in Minnesota
Explore Minnesota Rankings
Other Cities in Ramsey County
| City | Population | Median Income | Poverty | Home Value |
|---|---|---|---|---|
| Blaine city | 71,261 | $103,382 | 6.5% | $327,500 |
| Maplewood city | 40,981 | $88,534 | 10.0% | $291,300 |
| Roseville city | 35,905 | $88,440 | 7.2% | $334,800 |
| Shoreview city | 26,724 | $109,399 | 5.5% | $365,100 |
| New Brighton city | 22,900 | $87,272 | 10.3% | $345,900 |
| Mounds View city | 12,992 | $90,148 | 12.5% | $294,500 |
| Vadnais Heights city | 12,789 | $91,946 | 5.3% | $334,500 |
| North St. Paul city | 12,511 | $81,641 | 13.1% | $286,600 |
| Arden Hills city | 9,737 | $128,668 | 4.3% | $423,800 |
| Spring Lake Park city | 6,997 | $77,112 | 14.3% | $281,800 |
Cities Similar to Gem Lake city
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Medicine Lake city | 541 | $161,250 | $1,014,500 | 71.0% | 2.6% |
| Woodland city | 505 | $189,107 | $1,220,600 | 84.4% | 1.8% |
| Hampton city | 510 | $106,111 | $305,700 | 21.5% | 6.5% |
| Crown College CDP | 426 | N/A | N/A | N/A | 0.0% |
| Taconite city | 541 | $100,089 | $217,900 | 15.9% | 3.5% |
Population Overview
Gem Lake city is a small community located in Minnesota, within Ramsey County. The total population is 521. It ranks as the 493rd most populous out of 913 cities and towns in Minnesota.
Age Demographics
The median age in Gem Lake city is 41.2 years. This is 7% higher than the state median of 38.6 years.
Economy, Income & Housing
The median household income in Gem Lake city is $146,250. This is 67% higher than the state median of $87,556. Compared to the national median of $78,538, household income here is 86% higher. The poverty rate stands at 2.3%. This is 75% lower than the state poverty rate of 9.2%. This exceptionally low poverty rate indicates strong economic prosperity across the community. The unemployment rate is 0.4%. This is 90% lower than the state rate of 3.9%. The median home value is $536,600. Housing costs are 76% higher than the state median of $305,500. The home-value-to-income ratio is 3.7x. 90.4% of occupied housing units are owner-occupied. This homeownership rate is 25% higher than the state average of 72.4%.
Race & Ethnicity
Gem Lake city has a predominantly White (non-Hispanic) population, comprising 93.1% of all residents. Asian residents account for 4.0%.
Education
52.6% of residents aged 25 and older hold a bachelor's degree or higher. This places Gem Lake city in the top 10% of all cities in the state for educational attainment. This is 35% higher than the state rate of 38.8%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 99.7%. Notably, 25.0% of adults hold a graduate or professional degree, indicating a highly educated workforce.
Data Sources & Methodology
All demographic data for Gem Lake city, Minnesota is sourced from the U.S. Census Bureau's American Community Survey (ACS) 5-Year Estimates (2019-2023). The ACS collects data from approximately 3.5 million households annually, providing reliable estimates for communities of all sizes. Comparisons are made against Minnesota state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 913 Census-designated places in Minnesota. For official data, visit data.census.gov.
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Frequently Asked Questions
What is the population of Gem Lake city, Minnesota?
Gem Lake city, Minnesota has a population of 521 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Gem Lake city, MN?
The median household income in Gem Lake city is $146,250, which is 86% higher the national median of $78,538.
What is the poverty rate in Gem Lake city, MN?
The poverty rate in Gem Lake city is 2.3%. This means approximately 12 residents live below the federal poverty line.
What is the racial makeup of Gem Lake city, Minnesota?
Gem Lake city's population is 93.1% White, 0.0% Black, 0.0% Hispanic/Latino, and 4.0% Asian.
What is the median home value in Gem Lake city, MN?
The median home value in Gem Lake city is $536,600. The home-value-to-income ratio is 3.7x.
How educated is Gem Lake city, Minnesota?
52.6% of adults (25+) in Gem Lake city hold a bachelor's degree or higher, and 25.0% hold a graduate or professional degree.