City · Minnesota
Gem Lake, Minnesota
Gem Lake, city, in Ramsey County, Minnesota. Gem Lake had 511 residents on July 1, 2025 by the Census Bureau's estimate, down 2.5% since 2020; the 2020 Census counted 528 and the ACS 2020-2024 5-year estimates put it at 483 (±105). GEOID 2723318.
Residents, July 2025 estimate
511
Census Bureau estimate (no margin published)
2020 Census count: 528 · ACS 2020-2024: 483 ±105
Median household income
$124,583
±$29,668 (90% margin)
Minnesota: $89,062
Median home value
$568,900
±$78,622 (90% margin)
Minnesota: $329,300
Median gross rent
$1,800
±$716 (90% margin)
Minnesota: $1,280
Where is Gem Lake and what county is it in?
Gem Lake is a city in Ramsey County, Minnesota. It covers 1.0 square miles of land, 505 residents per square mile in 2020.
Gem Lake is in the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan statistical area, which takes in 15 counties (Census Bureau delineation, July 2023).
Source: 2024 Gazetteer and 2020 place-by-county files, U.S. Census Bureau · Census reference files
How many people live in Gem Lake, and is it growing?
The Census Bureau estimates that 511 people lived in Gem Lake on July 1, 2025, down 2.5% since 2020, while Minnesota grew 2.2%. The 2020 Census counted 528 residents. The 2020-2024 American Community Survey, a five-year sample, puts the population at 483 (±105).
| Measure | Gem Lake | Ramsey County | Change since 2015-2019 |
|---|---|---|---|
| Total population | 483 ±105 | 542,945 | no clear change |
| Households | 194 ±43 | 221,327 | no clear change |
| Average household size | 2.49 ±0.39 | 2.38 | no clear change |
| Housing units | 204 ±45 | 233,870 | no clear change |
Gem Lake's population since 2000
From 419 in 2000 to 511 in 2025: up 22.0%. The 2000, 2010 and 2020 figures are census counts, each for Gem Lake as it was drawn that year: a place that annexed land, or a community that has since incorporated, covered a different area then. The 2005 figure is the Census Bureau's intercensal estimate, revised to fit the 2000 and 2010 counts and drawn on 2010 boundaries; 2015 and 2025 are July 1 estimates made from the census before them.
Source: The 2000, 2010 and 2020 Census counts and the Census Bureau's population estimates (intercensal 2000-2010, Vintage 2020, Vintage 2025) · Census population estimates
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); Census PEP Vintage 2025 (SUB-EST2025, CO-EST2025); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Gem Lake?
The median resident of Gem Lake is 57.3 years old; 21.3% are under 18 and 28.0% are 65 or older. The largest group is non-Hispanic white residents at 95.0%, then non-Hispanic residents of two or more races at 3.5%.
| Measure | Gem Lake | Ramsey County | Change since 2015-2019 |
|---|---|---|---|
| Median age | 57.3 ±14.5 | 36.1 | +20.7 |
| Under 18 years | 21.3% ±7.4 pts | 23.1% | – |
| 65 years and over | 28.0% ±9.2 pts | 15.8% | – |
| Male | 53.0% ±5.5 pts | 49.1% | – |
| Hispanic or Latino (any race) | 0.0% ±4.5 pts | 8.4% | – |
| White alone, not Hispanic | 95.0% ±3.9 pts | 57.9% | no clear change |
| Black or African American alone, not Hispanic | 0.0% ±4.5 pts | 12.1% | – |
| Asian alone, not Hispanic | 1.4% ±2.7 pts | 15.0% | – |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±4.5 pts | 0.3% | – |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±4.5 pts | 0.0% | – |
| Two or more races, not Hispanic | 3.5% ±3.3 pts | 5.7% | – |
| Some other race alone, not Hispanic | 0.0% ±4.5 pts | 0.5% | – |
| Born outside the United States | 0.6% ±1.0 pts | 15.6% | – |
| Speak a language other than English at home (age 5+) | 0.7% ±1.1 pts | 23.3% | – |
| Civilian veterans (age 18+) | 6.3% ±4.1 pts | 4.5% | – |
| With a disability | 12.0% ±5.4 pts | 12.3% | – |
| No health insurance coverage | 0.0% ±4.5 pts | 5.5% | – |
| High school graduate or higher (age 25+) | 100.0% ±6.3 pts | 91.7% | – |
| Bachelor's degree or higher (age 25+) | 50.9% ±11.1 pts | 45.6% | no clear change |
| Graduate or professional degree (age 25+) | 22.1% ±7.9 pts | 18.4% | – |
| Lived in the same house a year earlier | 97.3% ±2.8 pts | 85.3% | – |
| Moved from another state in the past year | 1.7% ±2.2 pts | 2.3% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Gem Lake earn?
Half of Gem Lake's 194 households earn less than $124,583 a year (±$29,668), against $81,568 in Ramsey County and $89,062 in Minnesota. In 2015-2019 it was $153,645 in 2024 dollars; the margins of error cannot tell the two periods apart.
| Measure | Gem Lake | Ramsey County | Change since 2015-2019 |
|---|---|---|---|
| Median household income | $124,583 ±$29,668 | $81,568 | no clear change |
| Mean household income | $175,675 ±$44,295 | $112,592 | – |
| Per capita income | $69,953 ±$14,950 | $46,355 | no clear change |
| People below the poverty line | 3.1% ±2.5 pts | 12.3% | – |
| Children under 18 below the poverty line | 0.0% ±19.5 pts | 16.8% | – |
| Households receiving SNAP | 1.0% ±1.7 pts | 11.4% | – |
| Households with a computer | 98.5% ±2.1 pts | 96.3% | – |
| Households with a broadband subscription | 96.4% ±2.7 pts | 92.4% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Gem Lake?
Owners occupy 87.1% of Gem Lake's occupied homes and renters 12.9%. The median owner-occupied home is valued at $568,900 by its owner (±$78,622). The median renter pays $1,800 a month including utilities.
| Measure | Gem Lake | Ramsey County | Change since 2015-2019 |
|---|---|---|---|
| Median home value (owner-occupied) | $568,900 ±$78,622 | $326,600 | +$160,679 |
| Median gross rent | $1,800 ±$716 | $1,329 | no clear change |
| Renters paying 35% or more of income on rent | 37.5% ±36.5 pts | 40.3% | – |
| Median monthly owner costs, with a mortgage | $3,031 ±$478 | $1,975 | – |
| Owner-occupied homes | 87.1% ±10.4 pts | 60.6% | no clear change |
| Renter-occupied homes | 12.9% ±10.4 pts | 39.4% | – |
| Housing units | 204 ±45 | 233,870 | no clear change |
| Homeowner vacancy rate | 0.0% ±12.4 pts | 0.7% | – |
| Rental vacancy rate | 0.0% ±49.4 pts | 6.1% | – |
| Single-family detached homes | 93.6% ±7.3 pts | 51.7% | – |
| Mobile homes | 0.0% ±10.4 pts | 1.2% | – |
| Built 2020 or later | 1.0% ±1.9 pts | 1.3% | – |
| Built 2010 to 2019 | 19.1% ±8.1 pts | 5.1% | – |
| Built 1939 or earlier | 10.8% ±5.7 pts | 26.0% | – |
| Households with no vehicle | 0.0% ±10.9 pts | 10.2% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How many new homes is Gem Lake building?
Builders took permits for 1 new housing units in Gem Lake in 2025 (1 in single-family houses), 2.0 per 1,000 residents against 3.6 across Minnesota.
Counts of units in permits a local office issued; not every permitted unit is built. A year marked with months was reported for part of the year.
Source: Building Permits Survey, annual place files 2019-2025, U.S. Census Bureau · Census Building Permits Survey
How do people in Gem Lake work and get to work?
59.2% of Gem Lake's workers drive alone and 32.9% work from home. The average trip to work takes 19.4 minutes.
| Measure | Gem Lake | Ramsey County | Change since 2015-2019 |
|---|---|---|---|
| In the labor force (age 16+) | 56.3% ±10.0 pts | 68.4% | – |
| Unemployment rate | 0.5% ±0.8 pts | 4.9% | – |
| Drove alone to work | 59.2% ±12.9 pts | 62.5% | – |
| Carpooled | 4.2% ±5.9 pts | 8.3% | – |
| Public transportation | 1.4% ±2.1 pts | 3.7% | – |
| Walked | 2.3% ±2.5 pts | 2.9% | – |
| Worked from home | 32.9% ±11.0 pts | 20.5% | +27.5 pts |
| Mean travel time to work | 19.4 min ±2.1 | 21.4 min | −7.0 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What census tracts are in Gem Lake?
No census tract lies mostly in Gem Lake; 1 tract reaches into it (2020 census blocks).
| Tract | Residents, 2020-2024 | Median household income |
|---|---|---|
| Tract 405.03Ramsey County | 3,237 | $94,044 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 block assignment files (tract share = share of the tract's census blocks in Gem Lake) · Census block assignment files
How does Gem Lake compare with other places in Minnesota?
By the Census Bureau's July 2025 estimates, Gem Lake is the 13,106th-most populous of the 19,476 U.S. incorporated places that have one and the 488th-most populous of 855 in Minnesota.
Gem Lake is not ranked by income or the other survey measures: those rankings include places of 1,000 or more residents (2020 Census) with a reliable estimate.
| Measure | Rank | Of |
|---|---|---|
| Population, July 2025 estimate | 488th | 855 |
Gem Lake's figures with every place in Minnesota (CSV)
Every place in Minnesota, sortable · Compare Gem Lake with other places
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) and PEP Vintage 2025 · How ranks are computed
How reliable are the figures for Gem Lake?
25 of the 57 figures for Gem Lake on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
The American Community Survey samples about one household in eight over five years, so every figure is an estimate with a 90% margin of error (shown under each value). A ring marks an estimate whose coefficient of variation is over 40%. A change is called only when the gap between the two periods is larger than their combined 90% margin (the square root of the sum of the two squared margins), the Census Bureau's test. How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · ACS technical documentation
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections
Not on this page: crime, weather and schools for Gem Lake are other agencies' records. Crime: the FBI's Crime Data Explorer · climate: NOAA's U.S. Climate Normals · schools: the National Center for Education Statistics' public schools in Gem Lake.