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CITY

Gem Lake

Minnesota · 511 residents (2025 est.) · 1.045 sq mi
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The short version

Gem Lake is significantly wealthier than the US average, with a median household income of $124,583. Population has grown 15% since 2000. 51% of adults hold a bachelor's degree or higher, well above the national rate of 36%. Median home value has roughly tripled since 2000, reaching $568,900. With a median age of 57.3, the population is older than the US median of 38.9. It ranks in the top 5% of US cities for household income.

At a glance
Wealthier
above the US median
US median: $82,259
Older
median age 57.3
US median: 38.9
More educated
51% hold a bachelor's degree
US average: 36%
Less affordable
home values up 88%, inflation adjusted
US median home: $376,019
Section 01

Population & growth

Total population
483
+15%since 2000
from 419 in 2000
1990 – 2025
Population density
462 / sq mi
+15%since 2000
from 401 / sq mi in 2000
US average: 281
Median age
57.3
+53%since 2000
from 37.5 in 2000
US average: 38.9

PEP 2025 EST:511 residents (Census Bureau Vintage 2025, released March 2026)

Population, 1990 – 2024
2683494315135941990201020202024Gem Lake
2024483
1990201020202024
Section 02

Income & economy

Median household income
$124,583
+7%inflation adjusted, since 2000
from $64,167 in 2000
US average: $82,259
1990 – 2024
Per capita income
$69,953
+143%since 2000
from $28,750 in 2000
US average: $44,673
Households earning $100K+
77.3%
+25.1 ptssince 2009
from 52.2% in 2009
US average: 53.3%
Poverty rate
3.1%
−2.8 ptssince 2000
from 5.9% in 2000
US average: 12.5%
Income inequality (Gini)
0.452
−14%since 2010
from 0.526 in 2010
US average: 0.476
Workforce by industry, 2024
Retail trade12.1%
US avg: 9.9%
Information12.1%
US avg: 10.8%
Wholesale trade8.4%
US avg: 6.9%
Finance & insurance4.7%
US avg: 5.9%
Professional, scientific, technical4.2%
US avg: 5.1%
Other services4.2%
US avg: 6.7%
Public administration4.2%
US avg: 4.8%
Transportation & warehousing2.8%
US avg: 2.2%
Agriculture, forestry, fishing0.5%
US avg: 1.6%
Construction0.5%
US avg: 1.2%
Education & health services0.5%
US avg: 0.9%
Arts, entertainment, food0.5%
US avg: 1.9%
Manufacturing0%
US avg: 0.4%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$568,900
+88%inflation adjusted, since 2000
from $166,400 in 2000
US average: $376,019
1990 – 2024
Median gross rent
$1,800
+22%inflation adjusted, since 2000
from $813 in 2000
US average: $1,442
Owner-occupied
87.1%
−6.4 ptssince 2000
from 93.5% in 2000
12.9% rent
Vacancy rate
4.9%
+2.7 ptssince 2009
from 2.2% in 2009
US average: 10.0%
Owner cost-burdened
21.3%
−10.7 ptssince 2009
from 32.0% in 2009
US average: 22.9%
Renter cost-burdened
36.0%
+2.7 ptssince 2009
from 33.3% in 2009
US average: 47.4%
Afford Score
4.6
+76%since 2000
from 2.6 in 2000
1990 – 2024
Gentrification Score
77
RELATED:See current rent listings in Gem Lake on RentDataNow
Section 04

Race & ethnicity

2000
White, non-Hispanic93.8%(393)
Black1.2%(5)
Hispanic / Latino0%(0)
Asian2.6%(11)
Other0%
Diversity Score9.5%(40)
2024
White, non-Hispanic95%(459)
Black0%(0)
Hispanic / Latino0%(0)
Asian1.4%(7)
Other3.5%(17)
Diversity Score11.9%(58)
Diversity Score
12
+26%since 2000
from 9 in 2000
1990 – 2024
Section 05

Education

Bachelor's degree or higher
50.9%
+24.7 ptssince 2000
from 26.1% in 2000
US average: 35.6%
High school or higher
100.0%
+7.6 ptssince 2000
from 92.4% in 2000
US average: 89.6%
Graduate degree
22.1%
+8.8 ptssince 2000
from 13.3% in 2000
US average: 14.0%
Section 06

Commute & transportation

Average commute
19.4 min
+66%since 2000
from 11.7 min in 2000
US average: 26.5
Drive alone to work
59.2%
−26.4 ptssince 2009
from 85.6% in 2009
US average: 68.9%
Carpooled to work
4.2%
−1.3 ptssince 2009
from 5.6% in 2009
US average: 8.5%
Public transit
1.4%
−1.4 ptssince 2009
from 2.8% in 2009
US average: 3.2%
Worked from home
32.9%
+29.0 ptssince 2009
from 3.9% in 2009
US average: 15.0%
Walked to work
2.3%
+0.1 ptssince 2009
from 2.2% in 2009
US average: 2.4%
Biked to work
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 0.4%
No vehicle available
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 8.3%
Section 07

Work & employment

Unemployment rate
0.5%
−5.0 ptssince 2011
from 5.5% in 2011
US average: 5.2%
Labor force participation
56.3%
−10.4 ptssince 2011
from 66.7% in 2011
US average: 63.5%
Self-employed
8.4%
−7.6 ptssince 2009
from 15.9% in 2009
US average: 13.1%
Management & professional
52.1%
−15.5 ptssince 2009
from 67.6% in 2009
US average: 42.5%
Section 08

People & community

Male
53.0%
−2.1 ptssince 2009
from 55.1% in 2009
Female
47.0%
+2.1 ptssince 2009
from 44.9% in 2009
Foreign born
0.6%
−2.9 ptssince 2009
from 3.5% in 2009
US average: 14.1%
Veterans
6.3%
−43.9 ptssince 2009
from 50.2% in 2009
US average: 6.2%
With a disability
12.0%
+5.5 ptssince 2012
from 6.5% in 2012
US average: 13.3%
Uninsured
0.0%
−97.3 ptssince 2013
from 97.3% in 2013
US average: 8.4%
Broadband at home
96.4%
+5.0 ptssince 2017
from 91.4% in 2017
US average: 91.0%
English only at home
99.3%
+6.8 ptssince 2016
from 92.6% in 2016
US average: 77.7%
Spanish at home
0.0%
−1.9 ptssince 2016
from 1.9% in 2016
US average: 13.6%
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Compare Gem Lake to nearby cities

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Income$83,554−33%
Home value$331,800−42%
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GEM LAKE VS
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GEM LAKE VS
Maplewood
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GEM LAKE VS
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Income$123,319−1%
Home value$476,000−16%
Population8,189+1503%
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Frequently asked

How many people live in Gem Lake, Minnesota?

Gem Lake, Minnesota has about 483 residents according to the 2024 American Community Survey.

What is the median household income in Gem Lake, Minnesota?

The typical household in Gem Lake, Minnesota earns about $124,583 a year. Half of households make more than that, and half make less.

Is Gem Lake, Minnesota expensive?

In Gem Lake, Minnesota, the median home is worth about $568,900, and the typical rent is about $1,800 a month.

How educated are people in Gem Lake, Minnesota?

About 50.9% of adults age 25 and over in Gem Lake, Minnesota hold a bachelor's degree or higher.

What is the poverty rate in Gem Lake, Minnesota?

About 3.1% of people in Gem Lake, Minnesota live below the federal poverty line.

Has Gem Lake, Minnesota grown since 1990?

Yes, Gem Lake, Minnesota has grown since 1990. The population has added about 39 residents, a change of about 9 percent over that period.

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DATA: US CENSUS BUREAU ACS 5-YEAR + DECENNIAL CENSUS · UPDATED 2024

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