City · 23,908 residents · Ramsey County, Minnesota
White Bear Lake, Minnesota
In White Bear Lake, a typical home is worth $331,800 and typical rent is $1,601 a month. Compared with all of Ramsey County, typical rent is 20% higher and the share of households that own their home is 7 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $316,659 to $356,378.
Typical rent
$1,745a month
= about the same as 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $1,621 to $1,745.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
White Bear Lake is in Ramsey County. The FHA loan limit ($552,000 for a one-unit home), the fair market rents and the help on this page are those of all of Ramsey County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in North St. Paul, the typical rent is $1,352: 16% less than in White Bear Lake ($1,601).
2
The typical rent in White Bear Lake is $1,601 a month, 20% more than in Ramsey County as a whole ($1,329).
3
68% of households in White Bear Lake own their home, against 61% in Ramsey County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in White Bear Lake
What homes there are in White Bear Lake, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
White Bear Lake
Ramsey County
Minnesota
United States
Kind of home: White Bear Lake and its comparisons
Measure
White Bear Lake
Ramsey County
Minnesota
United States
Detached house
59%
52%
66%
61%
Attached house
11%
7%
7%
6%
Building of 2 to 4
2%
7%
4%
8%
Apartments (5 or more)
28%
33%
19%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In White Bear Lake, 6 in 10 homes are single-family detached houses; in Ramsey County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or later
White Bear Lake
Ramsey County
Minnesota
United States
Year built: White Bear Lake and its comparisons
Measure
White Bear Lake
Ramsey County
Minnesota
United States
Before 1960
33%
44%
29%
26%
1960–1979
28%
25%
23%
24%
1980–1999
24%
18%
24%
25%
2000–2009
8%
6%
13%
14%
2010 or later
6%
7%
10%
11%
Here half of the homes date from 1969 or later; in Ramsey County, from 1965 or later.
There is more room for a big family here: 54% of homes have 3 bedrooms or more, against 50% in Ramsey County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K5%
$200K–$300K31%
$300K–$500K54%
$500K–$750K5%
$750K–$1M2%
$1M or more2%
Value of owner-occupied homes: White Bear Lake and its comparisons
Measure
White Bear Lake
Under $100K
Unreliable estimate
$100K–$200K
5%
$200K–$300K
31%
$300K–$500K
54%
$500K–$750K
5%
$750K–$1M
2%
$1M or more
2%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49933%
$1,500–$1,99937%
$2,000–$2,49916%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: White Bear Lake and its comparisons
Measure
White Bear Lake
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
33%
$1,500–$1,999
37%
$2,000–$2,499
16%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,888 a month
Ramsey County: $1,975 a month
Without a mortgage
$732 a month
Ramsey County: $785 a month
Owners with a mortgage
67%
Ramsey County: 65%
In White Bear Lake, 67% of owners have a mortgage; their typical cost is $1,888 a month, about the same as in Ramsey County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
White Bear Lake+47%
Ramsey County+42%
Minnesota+47%
United States+53%
Typical rent
White Bear Lake+41%
Ramsey County+32%
Minnesota+31%
United States+33%
Typical household income
White Bear Lake+17%
Ramsey County+26%
Minnesota+25%
United States+29%
Change since 2015–2019: White Bear Lake and its comparisons
Measure
White Bear Lake
Ramsey County
Minnesota
United States
Typical home value
+47%
+42%
+47%
+53%
Typical rent
+41%
+32%
+31%
+33%
Typical household income
+17%
+26%
+25%
+29%
The typical home value in White Bear Lake rose 47% since 2015–2019, more than in Ramsey County (42%).
Rents in White Bear Lake rose faster than in Ramsey County: 41% since 2015–2019, against 32%.
The typical household income in White Bear Lake rose 17%: less than home values (+47%) and rent (+41%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: White Bear Lake and its comparisons
Measure
White Bear Lake
Ramsey County
Minnesota
United States
Rental vacancy
Unreliable estimate
6.1%
5.3%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.6%
0.9%
More than one person per room
Unreliable estimate
4.0%
2.3%
3.4%
People per household
2.22
2.38
2.43
2.53
Drive alone
71%
63%
69%
69%
Carpool
5%
8%
8%
9%
Public transit
Unreliable estimate
4%
2%
3%
Walk or bike
Unreliable estimate
4%
3%
3%
Work from home
21%
21%
18%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.22 on average, against 2.38 in Ramsey County.
To get to work, 71% of workers in White Bear Lake drive alone; in Ramsey County, 63%.
Do the math
What would you pay each month for a home in White Bear Lake?
A typical home costs more than the typical income allows
We start with a typical home in White Bear Lake, worth $331,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in White Bear Lake, which is $83,554 a year. For that payment to be 28% of income, a household would need to earn about $119,599 a year.
The calculator's FHA and conventional loan limits are those of all of Ramsey County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in White Bear Lake. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,613 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,791
at 7.18% · 30 years
Loan amount
$325,790
Total interest
$468,736
Paid off in
November 2056
Includes $5,603 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,950 a month
Tight
$1,950 to $2,507 a month
Hard
more than $2,507 a month
Your payment · 40%
Compared with the typical household income in White Bear Lake ($83,554 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,207
Property tax
$299
Home insurance
$138
FHA mortgage insurance (MIP)
$147
You need at least $11,613 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,791; principal and interest $2,207.
The city and its county
White Bear Lake and Ramsey County
White Bear Lake is in Ramsey County, Minnesota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
White Bear Lake
Map of Ramsey County, Minnesota, with White Bear Lake marked. Around it, the neighboring counties.
White Bear Lake
Ramsey County
Other cities with a page
White Bear Lake's own numbers
Typical home value
$331,800
Typical monthly rent
$1,601
Typical yearly household income
$83,554
Households that own their home
68%
Effective property tax rate
1.08%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ramsey County
FHA limit, one-unit home
$552,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+31%
Homes in a high flood-risk zone
0.5%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Ramsey County.
A typical home in White Bear Lake is worth $331,800: about the same as the county and about the same as Minnesota. With the typical household income in White Bear Lake ($83,554 a year), a typical home costs 4.0 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
White Bear Lake4.0 years
Ramsey4.0 years
Minnesota3.7 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ramsey County
According to FHFA’s house price index, home prices in Ramsey County rose 70% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ramsey County.
Yearly change in FHFA’s price index in Ramsey County, 2016 to 2025
2016: +5.5% +5.5% 2016
2017: +6.4% +6.4% 2017
2018: +7.0% +7.0% 2018
2019: +4.4% +4.4% 2019
2020: +3.5% +3.5% 2020
2021: +8.7% +8.7% 2021
2022: +10.0% +10.0% 2022
2023: +3.5% +3.5% 2023
2024: +2.5% +2.5% 2024
2025: +2.9% +2.9% 2025
Change in FHFA’s price index in Ramsey County, Minnesota and the United States
Period
County
Minnesota
U.S.
Last year (2025)
+2.9%
+2.8%
+2.9%
5 years (2020–2025)
+31%
+37%
+47%
10 years (2015–2025)
+70%
+71%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
White Bear Lake next to Ramsey County, Minnesota and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
White Bear Lake$331,800
Ramsey$326,600
Minnesota$329,300
United States$332,700
Typical monthly rent
White Bear Lake$1,601
Ramsey$1,329
Minnesota$1,280
United States$1,413
Typical yearly household income
White Bear Lake$83,554
Ramsey$81,568
Minnesota$89,062
United States$80,734
See the full table
White Bear Lake next to Ramsey County and Minnesota
Measure
White Bear Lake
Ramsey County
Minnesota
U.S.
Typical home value
$331,800
$326,600
$329,300
$332,700
Typical monthly rent
$1,601 ▲20% above the county
$1,329
$1,280
$1,413
Typical yearly household income
$83,554 ▲2% above the county
$81,568
$89,062
$80,734
Households that own their home
68% ▲7 points above the county
61%
72%
65%
Typical yearly property tax
$3,576 ▼10% below the county
$3,966
$3,357
$3,119
Effective property tax rate
1.08% ▼0.13 points below the county
1.21%
1.02%
0.94%
Renters with high rent for their income
50% ▼1 points below the county
51%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ramsey County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in White Bear Lake
For a typical $331,800 home in White Bear Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White Bear Lake's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,791a month
Least cash to close
Down payment
$11,613
Cash to close
$21,567
Rate
7.18%
Mortgage insurance
FHA MIP · $147
Conventional, 5% down$2,730a month
Down payment
$16,590
Cash to close
$26,544
Rate
7.18%
Mortgage insurance
PMI · $158
Conventional, 20% down, no PMI$2,235a month
Down payment
$66,360
Cash to close
$76,314
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,542a month
Down payment
$49,770
Cash to close
$59,724
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in White Bear Lake
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,791
$11,613
$325,790
7.18%
FHA MIP · $147
$21,567
580
Conventional, 5% down
$2,730
$16,590
$315,210
7.18%
PMI · $158
$26,544
620*
Conventional, 20% down, no PMI
$2,235
$66,360
$265,440
7.18%
None
$76,314
620*
ITIN, 15% down (example)
$2,542
$49,770
$282,030
8.18%
None
$59,724
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in White Bear Lake is $1,601 a month: 20% above the county. In White Bear Lake, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ramsey County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Ramsey County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,265
$24.33
$50,600
1 bedroom
$1,427
$27.44
$57,080
2 bedrooms
$1,734
$33.35
$69,360
3 bedrooms
$2,264
$43.54
$90,560
4 bedrooms
$2,538
$48.81
$101,520
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in White Bear Lake
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). White Bear Lake is in ZIP code 55110.
For 2 bedrooms it is $1,830: $96 more than the fair market rent for Ramsey County ($1,734).
Fair market rent by ZIP code and size in White Bear Lake, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
55110
$1,340
$1,510
$1,830
$2,390
$2,680
ZIP code2 bd3 bd
55110 $1,830$2,390
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for White Bear Lake when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 9 buildings with rents for lower incomes in White Bear Lake. These are the largest.
Manitou RidgeMultiple Building Addresses, White Bear Lake 55110118 homes, 91 low-income · 1 bd: 30 · 2 bd: 87 · In service since 2002
Washington Square2060 5th St, White Bear Lake 5511081 low-income homes · For older adults(651) 429-8440
Cottages of White Bear TownshipMultiple Building Addresses, White Bear Lake 5511060 low-income homes · 1 bd: 12 · 2 bd: 32 · 3 bd: 16 · In service since 2013 · For people with disabilities, families
Hoffman Place3656 Hoffman Rd, White Bear Lake 5511060 homes, 59 low-income · 1 bd: 6 · 2 bd: 39 · 3 bd: 15 · In service since 2010
Century Hill Townhouses3525 Century Ave N, White Bear Lake 5511055 low-income homes · For families(651) 777-2722
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 8 HUD-approved agencies with an office in Ramsey County; 5 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for White Bear Lake or Ramsey County. The ones below are statewide in Minnesota: they work in White Bear Lake the same as in the rest of the state.
Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage.Offered by Minnesota Housing (Minnesota Housing Finance Agency).
Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up.Offered by Minnesota Housing (Minnesota Housing Finance Agency).
The HUD-approved agencies closest to the center of White Bear Lake, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for White Bear Lake or Ramsey County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for White Bear Lake and all of Ramsey County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in White Bear Lake?
The typical home value in White Bear Lake is $331,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ramsey County it is $326,600.
How much does it cost to rent in White Bear Lake?
Typical rent in White Bear Lake is $1,601 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ramsey County is $1,734.
What is the FHA loan limit in White Bear Lake?
White Bear Lake uses the FHA limit for all of Ramsey County (2026): $552,000 for a one-unit home and $1,061,550 for a four-unit home.
How much property tax do owners pay in White Bear Lake?
The typical homeowner in White Bear Lake pays $3,576 a year, according to the U.S. Census Bureau. That is 1.08% of the home’s value; in Ramsey County, the rate is 1.21%.
Where can I find free help to buy or rent in White Bear Lake?
There are 8 HUD-approved counseling agencies with an office in Ramsey County. 5 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
