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White Bear Lake city, MN

ZIP 55110 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55110

Median Home Value
$347,100
Median Rent
$1,391
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,230/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 55110 in White Bear Lake city, 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.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
77.5%+18% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
94.5%+9% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
27.4%-45% vs US avg
x
Mortgage-Free
35.7%-7% vs US avg
x
$347,100
Home Value
$1,391
Rent
1974
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached69.7%
  • 1-unit attached11.6%
  • 2-9 units3.5%
  • 10+ units15.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$347,100
Median rent$1,391
Owner-occupied77.5%
Vacant4.1%
Price-to-income3.6x
Est. income to buy$96,000