HomeMinnesotaRamsey CountyWhite Bear Lake city
White Bear Lake city, Minnesota: commercial real estate data.
White Bear Lake city is a Census city of 23,908 people across 8.04 square miles of land, in Ramsey County. Median household income is $83,554, 67.8 percent of occupied homes are owned, and the SBA record carries 46 7(a) approvals to borrowers here worth $17.7 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
White Bear Lake
What White Bear Lake is
- Census place typecity
- Land area8.04 sq mi
- Water area0.59 sq mi
- Population per square mile of land2,972
- County holding the largest share of its areaRamsey County, 99.1 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Bear Lake
How many people live in White Bear Lake
- Population23,908
- Median age41.9
- Population under 184,888
- Share under 1820.4 percent
- Population 65 and over5,086
- Share 65 and over21.3 percent
- Households10,563
- Family households6,155
- Share of households that are families58.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Bear Lake
Income and work in White Bear Lake
- Median household income$83,554
- Per capita income$46,608
- Civilian labor force12,857
- Employed12,339
- Unemployed518 plus or minus 195
- Unemployment rate4.0 percent plus or minus 1.5
- Adults 25 and over17,110
- Adults 25 and over with a high school diploma or higher96.1 percent
- Adults 25 and over with a bachelor degree or higher41.7 percent
- Adults 25 and over with a graduate degree12.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Bear Lake
Housing in White Bear Lake
- Housing units11,060
- Occupied units10,563
- Vacant units497 plus or minus 196
- Vacancy rate4.5 percent plus or minus 1.8
- Owner occupied7,164
- Renter occupied3,399
- Ownership rate67.8 percent
- Median owner-occupied home value$331,800
- Median gross rent, monthly$1,601
- Annual rent as a share of median income23.0 percent
- Single family units7,741
- Share single family70.0 percent
- Units in buildings of two or more3,319
- Share in buildings of two or more30.0 percent
- Mobile homes0
- Median year structure built1969
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Bear Lake
How White Bear Lake gets to work
- Workers 16 and over who commute9,582
- Commuting under 15 minutes2,408
- Share commuting under 15 minutes25.1 percent
- Commuting 30 minutes or more2,374
- Share commuting 30 minutes or more24.8 percent
- Drove alone70.9 percent
- Carpooled4.9 percent plus or minus 1.5
- Public transport0.7 percent plus or minus 0.6
- Walked1.5 percent plus or minus 0.8
- Worked from home20.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Bear Lake
SBA loans in White Bear Lake (7(a))
- Approvals46
- Gross approval$17,680,500
- Average approval$384,359
- Median approval$150,000
- Ninetieth percentile approval$1,000,000
- Largest approval$3,000,000
- Jobs supported508
- Jobs per approval11.0
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more2.2 percent
- Share to franchises8.7 percent
- Distinct lenders20
- Distinct industries by NAICS31
A charge-off rate is not published here. only 6 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
White Bear Lake
SBA loans in White Bear Lake (504)
- Approvals20
- Gross approval$6,662,000
- Average approval$333,100
- Median approval$244,000
- Largest approval$1,058,000
- Jobs supported252
- Loans with a final outcome7
- Charged off0
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ramsey County, not White Bear Lake
Ramsey County context, not White Bear Lake figures
These are Ramsey County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as White Bear Lake measurements.
- Establishments in Ramsey County13,677
- Employment at those establishments, Ramsey County294,664
- Covered employment, Ramsey County325,226
- Average annual pay, Ramsey County$77,908
- Average weekly wage, Ramsey County$1,498
- Housing units permitted, Ramsey County1,084
- Of those, single family, Ramsey County202
- County product, 2024, Ramsey County$56,256,165,000
- County product change over the prior year, Ramsey County6.7 percent
- Average income of an arriving household, Ramsey County$61,963
Every figure in this section is published for Ramsey County as a whole and is not a measurement of White Bear Lake. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
White Bear Lake questions, answered from the record.
How many people live in White Bear Lake, Minnesota?
23,908, in 10,563 households. White Bear Lake city covers 8.04 square miles of land, which is 2,972 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is White Bear Lake in?
Ramsey County, which holds 99.1 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in White Bear Lake?
$83,554. The median owner-occupied home is valued at $331,800. Median gross rent is $1,601 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to White Bear Lake businesses?
46 7(a) approvals totalling $17.7 m, across 20 lenders, median approval $150,000, plus 20 504 approvals worth $6.7 m. These count approvals to borrowers whose address is in White Bear Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to White Bear Lake borrowers get paid back?
No rate is published for White Bear Lake. only 6 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page White Bear Lake figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Ramsey County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of White Bear Lake.
Is zoning published for White Bear Lake?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.