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Area data

White bear lake, MN — ZIP 55110

Population: 37,305 (Census ACS)

The median home value in ZIP 55110 (White bear lake, MN) is $387,988 — up 2.8% over the past year. Homes sell for a median $302,450 after a median 18 days on market. Typical rent runs $1,866/month. 30 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively High, with coldwave, hail, heatwave the top-rated hazards. Cost of living is 2.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$387,988

Median home value

+2.8%

1-year change

18

Median days on market

Relatively High

Hazard risk (county)

Home values & appreciation

Median home value
$387,988
1-year appreciation
+2.8%
3-year appreciation
+4.6%
5-year appreciation
+12.1%
10-year appreciation
+61.5%
All-time peak (2026-04)
$388,051
House Price Index (state)
429.3 (+3.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$302,450
Median list price
$307,488
Median price per sqft
$197
1-year sale-price change
-8.3%
Median days on market
18 days
Homes sold (recent period)
16
For-sale inventory
126
Sale-to-list ratio
100.6%
Active listings
12
1-year forecast
-0.5%
Days to pending
30 days
New listings (monthly)
65

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,866/mo
1-year rent change
+1.2%
Studio fair-market rent
$754/mo
1BR fair-market rent
$943/mo
2BR fair-market rent
$1,176/mo
3BR fair-market rent
$1,529/mo
4BR fair-market rent
$1,764/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Average)
97.5 (100 = US avg)
Electricity rate (state-level)
15.8¢/kWh
Natural gas rate (state-level)
$11.00/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
30
Elementary schools
9
Middle schools
8
High schools
11
Charter schools
4
School districts serving the area
Level Up Academy, Gentry Academy Charter School, NORTHEAST METRO 916
Schools include
Level Up Academy, Level Up Academy Middle School, Gentry Academy High, Gentry Academy Middle, Bellaire Education Center

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively High
Top hazards (county)
coldWave, hail, heatWave, inlandFlooding, landslide
Notable hazard ratings (county)
coldWave: Very High · hail: Relatively High · heatWave: Relatively High · iceStorm: Relatively Moderate · inlandFlooding: Relatively High · landslide: Relatively High
Wildfire risk to homes (county)
Higher than 29% of US counties
Buildings in wildfire direct-exposure zone
9.7%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Oakdale Dump (6.4 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
47.0°F
Average high
56.0°F
Average low
39.0°F
USDA plant hardiness zone
5a (extreme annual low -20 to -15°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
49
Days with Good air quality
188
Days with Moderate air quality
167
Days with Unhealthy air quality
3
Highest AQI recorded (year)
190

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
11.5 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
140,646
Jobs reachable by transit (45 min)
126,114

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
2
Nearest national park
Mississippi National River & Recreation Area (11 mi)
National parks include
Mississippi National River & Recreation Area, Saint Croix National Scenic Riverway
Airports within 30 mi
33
Nearest airport
Benson Airport (2 mi)
Nearest major airport
Saint Paul Downtown Holman Field (STP) (11 mi)
Hospitals nearby (~15 mi)
16
Hospitals include
NORTH MEMORIAL HEALTH HOSPITAL, HENNEPIN COUNTY MEDICAL CENTER, ALLINA UNITED HOSPITAL
Avg hospital rating (CMS)
3.6 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (3.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-3,057 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,974
Housing built before 1970
45.1%
Housing built 2000 or later
12.4%
Median annual property tax
$3,922
Mean commute to work
18 min
Households with broadband internet
85.2%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
272,545
Average weekly wage
$1,414
Top industries (by employment)
Health Care, Accommodation & Food, Administrative Services
Annual residential building permits (county)
184

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 55110State medianUS median
Median home value$387,988$304,931$289,727
Median sale price$302,450$315,500$325,000
Median days on market18 days39 days51 days
Typical rent$1,866/mo$1,678/mo$1,808/mo
Median annual property tax$3,922$2,128$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 55110?
$387,988.
What is the median sale price in ZIP 55110?
$302,450.
How long do homes take to sell in ZIP 55110?
Median days on market: 18 days.
What is typical rent in ZIP 55110?
Typical rent: $1,866/month.
What is the natural-hazard risk in ZIP 55110?
Overall risk: Relatively High (FEMA NRI, county-level). Top hazards: coldWave, hail, heatWave, inlandFlooding, landslide.
What is the wildfire risk in ZIP 55110?
Risk to homes is higher than 29% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 55110?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 55110?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 55110?
30 schools (9 elementary, 8 middle, 11 high) (NCES, 2022-23).
Is ZIP 55110 walkable?
Walkability index: 11.5/20 (EPA Smart Location Database).
What is the air quality in ZIP 55110?
Good. Median AQI: 49. (EPA AQI).
What is the cost of living in ZIP 55110?
Regional Price Parity: 97.5 (100 = US average) (Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents