Census tract · Ramsey County
Census Tract 401.02, Ramsey County, Minnesota
Census Tract 401.02, GEOID 27123040102, in Ramsey County, Minnesota, mostly within White Bear Township (96% of its census blocks). 4,335 residents in the ACS 2020-2024 5-year estimates (±437); the 2020 Census counted 4,124.
Residents, 2020-2024
4,335
±437 (90% margin)
2020 Census count: 4,124
Median household income
$166,029
±$17,411 (90% margin)
Ramsey County: $81,568
Median home value
$441,100
±$20,595 (90% margin)
Ramsey County: $326,600
Median gross rent
not published
Ramsey County: $1,329
Where is Census Tract 401.02?
Census Tract 401.02 is one of 143 census tracts in Ramsey County, Minnesota. It covers 2.24 square miles of land, 1,838 residents per square mile in 2020. Its GEOID, 27123040102, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| White Bear Township | 96% |
| White Bear Lake | 4% |
8 census tracts border Census Tract 401.02: Tract 502.30 in Anoka County ($171,447), Tract 401.01 ($123,333), Tract 402 ($70,819), Tract 405.02 ($60,313), Tract 405.04 ($78,006), Tract 702.04 in Washington County ($126,691), Tract 703.01 in Washington County ($213,542) and Tract 704.03 in Washington County ($143,583). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 401.02?
The 2020-2024 American Community Survey puts Census Tract 401.02's population at 4,335 (±437) in 1,580 households; the 2020 Census counted 4,124 residents and 1,563 housing units.
| Measure | Tract 401.02 | White Bear Township |
|---|---|---|
| Total population | 4,335 ±437 | 10,656 |
| Households | 1,580 ±162 | 4,262 |
| Average household size | 2.72 ±0.19 | 2.49 |
| Housing units | 1,580 ±162 | 4,373 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 401.02?
The median resident of Census Tract 401.02 is 43.4 years old; 25.3% are under 18 and 16.1% are 65 or older. The largest group is non-Hispanic white residents at 81.3%, then non-Hispanic residents of some other race at 7.0%.
| Measure | Tract 401.02 | White Bear Township |
|---|---|---|
| Median age | 43.4 ±1.9 | 43.8 |
| Under 18 years | 25.3% ±4.8 pts | 22.7% |
| 65 years and over | 16.1% ±2.7 pts | 21.4% |
| Hispanic or Latino (any race) | 5.0% ±4.0 pts | 5.5% |
| White alone, not Hispanic | 81.3% ±9.3 pts | 83.8% |
| Black or African American alone, not Hispanic | 0.2% ±0.3 pts | 1.1% |
| Asian alone, not Hispanic | 1.2% ±1.1 pts | 0.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.5 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.5 pts | 0.0% |
| Two or more races, not Hispanic | 5.2% ±3.3 pts | 5.6% |
| Some other race alone, not Hispanic | 7.0% ±7.9 pts | 2.9% |
| Born outside the United States | 2.3% ±1.7 pts | 2.9% |
| Speak a language other than English at home (age 5+) | 2.2% ±2.2 pts | 2.8% |
| Civilian veterans (age 18+) | 6.5% ±2.6 pts | 6.4% |
| With a disability | 10.9% ±3.2 pts | 10.2% |
| No health insurance coverage | 1.9% ±1.5 pts | 2.5% |
| High school graduate or higher (age 25+) | 96.3% ±2.1 pts | 96.6% |
| Bachelor's degree or higher (age 25+) | 57.6% ±6.6 pts | 54.8% |
| Graduate or professional degree (age 25+) | 18.3% ±5.2 pts | 17.5% |
| Lived in the same house a year earlier | 91.5% ±7.5 pts | 94.3% |
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 Census Tract 401.02 earn?
Half of the 1,580 households in Census Tract 401.02 earn less than $166,029 a year (±$17,411), against $81,568 across Ramsey County: 3rd highest of the county's 142 tracts with a reliable estimate. 2.7% of residents live below the poverty line.
| Measure | Tract 401.02 | White Bear Township |
|---|---|---|
| Median household income | $166,029 ±$17,411 | $128,963 |
| Mean household income | $187,631 ±$25,605 | $155,458 |
| Per capita income | $68,050 ±$10,295 | $62,299 |
| People below the poverty line | 2.7% ±1.6 pts | 2.3% |
| Children under 18 below the poverty line | 0.0% ±2.0 pts | 0.5% |
| Households receiving SNAP | 1.0% ±1.5 pts | 1.5% |
| Households with a computer | 97.9% ±1.9 pts | 98.5% |
| Households with a broadband subscription | 97.0% ±2.0 pts | 95.8% |
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 Census Tract 401.02?
Owners occupy 98.9% of Census Tract 401.02's occupied homes and renters 1.1%. The median owner-occupied home is valued at $441,100 by its owner (±$20,595).
| Measure | Tract 401.02 | White Bear Township |
|---|---|---|
| Median home value (owner-occupied) | $441,100 ±$20,595 | $386,300 |
| Renters paying 35% or more of income on rent | 0.0% ±59.8 pts | 34.2% |
| Median monthly owner costs, with a mortgage | $2,382 ±$210 | $2,160 |
| Owner-occupied homes | 98.9% ±1.7 pts | 93.9% |
| Renter-occupied homes | 1.1% ±1.7 pts | 6.1% |
| Housing units | 1,580 ±162 | 4,373 |
| Single-family detached homes | 95.9% ±2.3 pts | 74.6% |
| Mobile homes | 0.0% ±1.4 pts | 0.3% |
| Built 2020 or later | 1.2% ±1.9 pts | 0.4% |
| Built 2010 to 2019 | 7.3% ±6.7 pts | 3.8% |
| Built 1939 or earlier | 11.7% ±4.1 pts | 7.1% |
| Households with no vehicle | 1.1% ±1.6 pts | 2.4% |
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 do people in Census Tract 401.02 get to work?
61.2% of Census Tract 401.02's workers drive alone and 26.8% work from home. The average trip to work takes 23.6 minutes.
| Measure | Tract 401.02 | White Bear Township |
|---|---|---|
| In the labor force (age 16+) | 68.7% ±4.1 pts | 68.0% |
| Unemployment rate | 2.0% ±1.6 pts | 3.2% |
| Drove alone to work | 61.2% ±9.0 pts | 65.5% |
| Carpooled | 8.1% ±5.8 pts | 7.2% |
| Public transportation | 3.4% ±3.6 pts | 1.8% |
| Walked | 0.0% ±1.0 pts | 0.5% |
| Worked from home | 26.8% ±7.6 pts | 24.8% |
| Mean travel time to work | 23.6 min ±2.9 | 23.9 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
How does Census Tract 401.02 compare with the other tracts in Ramsey County?
Among Ramsey County's tracts with a reliable estimate, Census Tract 401.02 ranks as shown below (1 = highest).
| Measure | In Ramsey County |
|---|---|
| Population | 49th of 142 |
| Residents per square mile | 131st of 143 |
| Median household income | 3rd of 142 |
| Per capita income | 14th of 142 |
| Median home value | 18th of 140 |
| Poverty rate | 116th of 120 |
| Bachelor's degree or higher | 44th of 142 |
| Median age | 23rd of 142 |
| Owner-occupied share | 1st of 141 |
The tracts next to it on Ramsey County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 406.01 | 1st | $211,887±$38,815 |
| Tract 407.06 | 2nd | $168,594±$19,098 · within the margin of this tract |
| Tract 401.02 | 3rd | $166,029±$17,411 |
| Tract 408.05 | 4th | $164,671±$25,310 · within the margin of this tract |
| Tract 408.04 | 5th | $149,500±$20,696 · within the margin of this tract |
| Tract 353 | 6th | $133,594±$20,566 |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 401.02?
3 of the 17 figures for Census Tract 401.02 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.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). 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 · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections