Census tract · Ramsey County
Census Tract 403.02, Ramsey County, Minnesota
Census Tract 403.02, GEOID 27123040302, in Ramsey County, Minnesota, mostly within White Bear Lake (83% of its census blocks). 4,892 residents in the ACS 2020-2024 5-year estimates (±550); the 2020 Census counted 5,250.
Residents, 2020-2024
4,892
±550 (90% margin)
2020 Census count: 5,250
Median household income
$79,116
±$21,388 (90% margin)
Ramsey County: $81,568
Median home value
$349,400
±$11,028 (90% margin)
Ramsey County: $326,600
Median gross rent
$1,476
±$404 (90% margin)
Ramsey County: $1,329
Where is Census Tract 403.02?
Census Tract 403.02 is one of 143 census tracts in Ramsey County, Minnesota. It covers 1.26 square miles of land, 4,177 residents per square mile in 2020. Its GEOID, 27123040302, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| White Bear Lake | 83% |
| White Bear Township | 17% |
5 census tracts border Census Tract 403.02: Tract 403.01 ($110,843), Tract 404.01 ($91,830), Tract 404.02 ($99,673), Tract 405.03 ($94,044) and Tract 703.03 in Washington County ($120,000). 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 403.02?
The 2020-2024 American Community Survey puts Census Tract 403.02's population at 4,892 (±550) in 2,013 households; the 2020 Census counted 5,250 residents and 2,122 housing units.
| Measure | Tract 403.02 | White Bear Lake |
|---|---|---|
| Total population | 4,892 ±550 | 23,908 |
| Households | 2,013 ±226 | 10,563 |
| Average household size | 2.41 ±0.14 | 2.22 |
| Housing units | 2,178 ±241 | 11,060 |
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 403.02?
The median resident of Census Tract 403.02 is 41.2 years old; 23.8% are under 18 and 21.4% are 65 or older. The largest group is non-Hispanic white residents at 81.4%, then non-Hispanic residents of two or more races at 8.7%.
| Measure | Tract 403.02 | White Bear Lake |
|---|---|---|
| Median age | 41.2 ±8.7 | 41.9 |
| Under 18 years | 23.8% ±4.2 pts | 20.4% |
| 65 years and over | 21.4% ±7.3 pts | 21.3% |
| Hispanic or Latino (any race) | 4.7% ±3.8 pts | 4.7% |
| White alone, not Hispanic | 81.4% ±9.2 pts | 81.2% |
| Black or African American alone, not Hispanic | 0.1% ±0.3 pts | 3.3% |
| Asian alone, not Hispanic | 5.1% ±3.9 pts | 6.3% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.5 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.5 pts | 0.0% |
| Two or more races, not Hispanic | 8.7% ±5.4 pts | 3.9% |
| Some other race alone, not Hispanic | 0.0% ±0.5 pts | 0.4% |
| Born outside the United States | 5.7% ±4.0 pts | 7.2% |
| Speak a language other than English at home (age 5+) | 4.4% ±3.3 pts | 8.2% |
| Civilian veterans (age 18+) | 5.2% ±2.5 pts | 4.7% |
| With a disability | 13.8% ±4.8 pts | 13.6% |
| No health insurance coverage | 3.3% ±1.9 pts | 3.1% |
| High school graduate or higher (age 25+) | 98.9% ±1.3 pts | 96.1% |
| Bachelor's degree or higher (age 25+) | 46.9% ±7.3 pts | 41.7% |
| Graduate or professional degree (age 25+) | 9.7% ±4.5 pts | 12.1% |
| Lived in the same house a year earlier | 92.5% ±5.3 pts | 87.3% |
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 403.02 earn?
Half of the 2,013 households in Census Tract 403.02 earn less than $79,116 a year (±$21,388), against $81,568 across Ramsey County: 82nd highest of the county's 142 tracts with a reliable estimate. 7.0% of residents live below the poverty line.
| Measure | Tract 403.02 | White Bear Lake |
|---|---|---|
| Median household income | $79,116 ±$21,388 | $83,554 |
| Mean household income | $108,730 ±$14,781 | $105,618 |
| Per capita income | $44,157 ±$5,896 | $46,608 |
| People below the poverty line | 7.0% ±4.1 pts | 7.0% |
| Children under 18 below the poverty line | 10.3% ±10.0 pts | 7.9% |
| Households receiving SNAP | 3.1% ±3.6 pts | 4.2% |
| Households with a computer | 99.0% ±1.6 pts | 96.6% |
| Households with a broadband subscription | 97.2% ±2.5 pts | 95.5% |
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 403.02?
Owners occupy 75.6% of Census Tract 403.02's occupied homes and renters 24.4%. The median owner-occupied home is valued at $349,400 by its owner (±$11,028). The median renter pays $1,476 a month including utilities, and 37.2% of renters pay 35% or more of their income on rent.
| Measure | Tract 403.02 | White Bear Lake |
|---|---|---|
| Median home value (owner-occupied) | $349,400 ±$11,028 | $331,800 |
| Median gross rent | $1,476 ±$404 | $1,601 |
| Renters paying 35% or more of income on rent | 37.2% ±21.9 pts | 42.8% |
| Median monthly owner costs, with a mortgage | $1,932 ±$118 | $1,888 |
| Owner-occupied homes | 75.6% ±8.8 pts | 67.8% |
| Renter-occupied homes | 24.4% ±8.8 pts | 32.2% |
| Housing units | 2,178 ±241 | 11,060 |
| Single-family detached homes | 79.2% ±6.1 pts | 58.7% |
| Mobile homes | 0.0% ±1.0 pts | 0.0% |
| Built 2020 or later | 0.0% ±1.0 pts | 1.5% |
| Built 2010 to 2019 | 0.0% ±1.0 pts | 5.0% |
| Built 1939 or earlier | 3.0% ±2.7 pts | 10.4% |
| Households with no vehicle | 1.7% ±2.1 pts | 5.2% |
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 do people in Census Tract 403.02 get to work?
69.8% of Census Tract 403.02's workers drive alone and 19.1% work from home. The average trip to work takes 24.4 minutes.
| Measure | Tract 403.02 | White Bear Lake |
|---|---|---|
| In the labor force (age 16+) | 64.7% ±9.7 pts | 66.1% |
| Unemployment rate | 2.7% ±3.0 pts | 4.0% |
| Drove alone to work | 69.8% ±7.9 pts | 70.9% |
| Carpooled | 5.9% ±4.3 pts | 4.9% |
| Public transportation | 2.2% ±2.8 pts | 0.7% |
| Walked | 2.9% ±3.1 pts | 1.5% |
| Worked from home | 19.1% ±5.4 pts | 20.9% |
| Mean travel time to work | 24.4 min ±3.7 | 22.0 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
How does Census Tract 403.02 compare with the other tracts in Ramsey County?
Among Ramsey County's tracts with a reliable estimate, Census Tract 403.02 ranks as shown below (1 = highest).
| Measure | In Ramsey County | In White Bear Lake |
|---|---|---|
| Population | 33rd of 142 | 2nd of 9 |
| Residents per square mile | 81st of 143 | 1st of 9 |
| Median household income | 82nd of 142 | 6th of 9 |
| Per capita income | 74th of 142 | 7th of 9 |
| Median home value | 53rd of 140 | 4th of 9 |
| Median gross rent | 33rd of 135 | 6th of 7 |
| Poverty rate | 90th of 120 | 2nd of 8 |
| Bachelor's degree or higher | 70th of 142 | 5th of 9 |
| Median age | 36th of 142 | 6th of 9 |
| Owner-occupied share | 32nd of 141 | 4th of 9 |
The tracts next to it on Ramsey County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 407.04 | 79th | $79,663±$11,381 · within the margin of this tract |
| Tract 306.02 | 80th | $79,323±$19,249 · within the margin of this tract |
| Tract 309 | 81st | $79,127±$31,989 · within the margin of this tract |
| Tract 403.02 | 82nd | $79,116±$21,388 |
| Tract 318.01 | 83rd | $78,750±$31,814 · within the margin of this tract |
| Tract 424.01 | 84th | $78,697±$10,575 · within the margin of this tract |
| Tract 420.02 | 85th | $78,684±$3,810 · within the margin of this tract |
"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 403.02?
3 of the 18 figures for Census Tract 403.02 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