Gem Lake, MN Profile: Facts & Data

Gem Lake, Minnesota - Basic Facts

The City of Gem Lake had a population of 513 as of July 1, 2025.

The primary coordinate point for Gem Lake is located at latitude 45.0575 and longitude -93.0324 in Ramsey County. The formal boundaries for the City of Gem Lake encompass a land area of 1.08 sq. miles and a water area of 0.06 sq. miles. Ramsey County is in the Central time zone (GMT -6).

The City of Gem Lake has a C5 Census Class Code which indicates an active incorporated place that is independent of any county subdivision and serves as a county subdivision equivalent. It also has a Functional Status Code of "A" which identifies an active government providing primary general-purpose functions.

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Gem Lake, MN Data & Demographics (As of July 1, 2025)

POPULATION
Total Population	513 (100%)
Population in Households	513 (100.0%)
Population in Families	402 (78.4%)
Population in Group Quarters¹	0
Population Density	491
Diversity Index²	28


INCOME
Median Household Income	$141,878
Average Household Income	$191,676
% of Income for Mortgage⁴	20%
Per Capita Income	$73,233
Wealth Index⁵	204
Socioeconomic Status Index⁶	High (68.8)

HOUSING
Total HU (Housing Units)	206 (100%)
Owner Occupied HU	151 (73.3%)
Renter Occupied HU	45 (21.8%)
Vacant Housing Units	10 ( 4.9%)
Median Home Value	$455,714
Average Home Value	$543,675
Housing Affordability Index³	112

HOUSEHOLDS
Total Households	196
Average Household Size	2.62
Family Households	139
Average Family Size	3.00

HOUSING

Total HU (Housing Units)

206 (100%)

Owner Occupied HU

151 (73.3%)

Renter Occupied HU

45 (21.8%)

Vacant Housing Units

10 ( 4.9%)

Median Home Value

$455,714

Average Home Value

$543,675

Housing Affordability Index³

112

HOUSEHOLDS

Total Households

196

Average Household Size

2.62

Family Households

139

Average Family Size

3.00

NOTES

Group Quarters - a place where people live or stay in a group living arrangement. Includes college residents halls, nursing facilities, military barracks, and correctional facilities.
The Diversity Index is a scale of 0 to 100 that represents the likelihood that two persons, chosen at random from the same area, belong to different races or ethnic groups. If an area's entire population belongs to one race AND one ethnic group, then the area has zero diversity. An area's diversity index increases to 100 when the population is evenly divided into two or more race/ethnic groups.
The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
The % of Income for Mortgage quantifies the percentage of median household income dedicated to mortgage payments on a home priced at the median value (assuming a 30-year mortgage and a 20% down payment).
The Wealth Index is based on a number of indicators of affluence including average household income and average net worth, but it also includes the value of material possessions and resources. It represents the wealth of the area relative to the national level. Values above or below 100 represent above-average wealth or below-average wealth compared to the national level.
The Socioeconomic Index ranges from zero (lowest relative status) to 100 (highest relative status). This measure quantifies disparities in social position of an area's inhabitants and is built from a broad range of demographic, housing, and socioeconomic inputs. More information on this measure can be found in Esri's SEI tutorial.

GROWTH RATE / YEAR	2020-2025	2025-2030
Population	-0.55%	0.00%
Households	-0.29%	-0.10%
Families		-1.33%
Median Household Income		2.97%
Per Capita Income		1.17%
Owner Occupied HU		0.52%

GROWTH RATE / YEAR

2020-2025

2025-2030

Population

-0.55%

0.00%

Households

-0.29%

-0.10%

Families

-1.33%

Median Household Income

2.97%

Per Capita Income

1.17%

Owner Occupied HU

0.52%

Gem Lake, MN - Peer Comparisons by Rank and Percentile

The table below compares Gem Lake to the other 915 incorporated cities, towns and CDPs in Minnesota by rank and percentile using July 1, 2025 data. The location Ranked # 1 has the highest value. A location that ranks higher than 75% of its peers would be in the 75th percentile of the peer group.

Variable Description	Rank	Percentile
Total Population	# 500	46th
Population Density	# 489	47th
Median Household Income	# 30	97th
Housing Affordability Index	# 669	73rd
Per Capita Income	# 27	97th
Diversity Index	# 306	67th

Variable Description

Rank

Percentile

Total Population

# 500

46th

Population Density

# 489

47th

Median Household Income

# 30

97th

Housing Affordability Index

# 669

73rd

Per Capita Income

# 27

97th

Diversity Index

# 306

67th

Minnesota Census Data Comparison Tool

Gem Lake, MN Profile: Facts & Data

Gem Lake, Minnesota - Basic Facts

Gem Lake, MN Data & Demographics (As of July 1, 2025)

POPULATION

INCOME

HOUSING

HOUSEHOLDS

GROWTH RATE / YEAR

Gem Lake, MN - Peer Comparisons by Rank and Percentile

Gem Lake, MN - Most Popular Things to Do

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