ZIP Code 55110 — White Bear Lake city, MN Demographics & Data

ZIP code 55110 covers White Bear Lake, MN in Ramsey County with a population of about 37,272.

At a glance, the area shows median age of 44.0 versus a U.S. median of about 38.9.

It sits in telephone area code 651; U.S. House district MN-4; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 55110 is about $97,211 — about 29% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.9%; unemployment rate near 4.6%; 46.0% of adults with a bachelor’s degree or higher (about 12.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; about 18.5% of workers reporting work-from-home (about 3.3 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $347,100 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,391 (about 20% above the U.S. median rent ($1,163)), and owner-occupancy near 77.5% (about 12.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55110 in White Bear Lake, MN, a household would need roughly $96,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,230. That is roughly in line with the local median household income ($97,211). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for White Bear Lake city, MN as Relatively High (composite score 94.6), which is among the highest nationally. The strongest component scores on US5 are flood (93.8) and wildfire (52.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for White Bear Lake city, MN show little to no average snow and around 33.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,646 for ZIP 55110 (White Bear Lake city, MN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.