Census tract · Ramsey County
Census Tract 404.01, Ramsey County, Minnesota
Census Tract 404.01, GEOID 27123040401, in Ramsey County, Minnesota, entirely within White Bear Lake. 3,749 residents in the ACS 2020-2024 5-year estimates (±361); the 2020 Census counted 3,577.
Residents, 2020-2024
3,749
±361 (90% margin)
2020 Census count: 3,577
Median household income
$91,830
±$7,644 (90% margin)
Ramsey County: $81,568
Median home value
$303,400
±$14,997 (90% margin)
Ramsey County: $326,600
Median gross rent
$1,594
±$182 (90% margin)
Ramsey County: $1,329
Where is Census Tract 404.01?
Census Tract 404.01 is one of 143 census tracts in Ramsey County, Minnesota. It covers 0.91 square miles of land, 3,926 residents per square mile in 2020. Its GEOID, 27123040401, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| White Bear Lake | 100% |
4 census tracts border Census Tract 404.01: Tract 403.02 ($79,116), Tract 404.02 ($99,673), Tract 405.03 ($94,044) and Tract 406.06 ($69,125). 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 404.01?
The 2020-2024 American Community Survey puts Census Tract 404.01's population at 3,749 (±361) in 1,625 households; the 2020 Census counted 3,577 residents and 1,643 housing units.
| Measure | Tract 404.01 | White Bear Lake |
|---|---|---|
| Total population | 3,749 ±361 | 23,908 |
| Households | 1,625 ±130 | 10,563 |
| Average household size | 2.28 ±0.15 | 2.22 |
| Housing units | 1,655 ±127 | 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 404.01?
The median resident of Census Tract 404.01 is 39.0 years old; 20.8% are under 18 and 20.5% are 65 or older. The largest group is non-Hispanic white residents at 78.1%, then non-Hispanic Asian residents at 7.4%. 4.4% of residents were born outside the United States.
| Measure | Tract 404.01 | White Bear Lake |
|---|---|---|
| Median age | 39.0 ±3.4 | 41.9 |
| Under 18 years | 20.8% ±3.2 pts | 20.4% |
| 65 years and over | 20.5% ±3.1 pts | 21.3% |
| Hispanic or Latino (any race) | 5.4% ±4.9 pts | 4.7% |
| White alone, not Hispanic | 78.1% ±6.4 pts | 81.2% |
| Black or African American alone, not Hispanic | 1.1% ±0.7 pts | 3.3% |
| Asian alone, not Hispanic | 7.4% ±4.4 pts | 6.3% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.6 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.6 pts | 0.0% |
| Two or more races, not Hispanic | 6.5% ±3.8 pts | 3.9% |
| Some other race alone, not Hispanic | 1.6% ±1.9 pts | 0.4% |
| Born outside the United States | 4.4% ±2.1 pts | 7.2% |
| Speak a language other than English at home (age 5+) | 11.0% ±5.0 pts | 8.2% |
| Civilian veterans (age 18+) | 5.0% ±2.4 pts | 4.7% |
| With a disability | 11.7% ±4.4 pts | 13.6% |
| No health insurance coverage | 5.4% ±3.1 pts | 3.1% |
| High school graduate or higher (age 25+) | 96.3% ±3.1 pts | 96.1% |
| Bachelor's degree or higher (age 25+) | 37.6% ±6.9 pts | 41.7% |
| Graduate or professional degree (age 25+) | 12.4% ±5.0 pts | 12.1% |
| Lived in the same house a year earlier | 91.4% ±4.9 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 404.01 earn?
Half of the 1,625 households in Census Tract 404.01 earn less than $91,830 a year (±$7,644), against $81,568 across Ramsey County: 49th highest of the county's 142 tracts with a reliable estimate. 3.9% of residents live below the poverty line.
| Measure | Tract 404.01 | White Bear Lake |
|---|---|---|
| Median household income | $91,830 ±$7,644 | $83,554 |
| Mean household income | $111,776 ±$17,797 | $105,618 |
| Per capita income | $48,773 ±$7,769 | $46,608 |
| People below the poverty line | 3.9% ±2.1 pts | 7.0% |
| Children under 18 below the poverty line | 1.0% ±1.6 pts | 7.9% |
| Households receiving SNAP | 3.4% ±2.8 pts | 4.2% |
| Households with a computer | 94.8% ±2.7 pts | 96.6% |
| Households with a broadband subscription | 95.6% ±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 404.01?
Owners occupy 72.2% of Census Tract 404.01's occupied homes and renters 27.8%. The median owner-occupied home is valued at $303,400 by its owner (±$14,997). The median renter pays $1,594 a month including utilities, and 48.8% of renters pay 35% or more of their income on rent.
| Measure | Tract 404.01 | White Bear Lake |
|---|---|---|
| Median home value (owner-occupied) | $303,400 ±$14,997 | $331,800 |
| Median gross rent | $1,594 ±$182 | $1,601 |
| Renters paying 35% or more of income on rent | 48.8% ±19.4 pts | 42.8% |
| Median monthly owner costs, with a mortgage | $1,703 ±$110 | $1,888 |
| Owner-occupied homes | 72.2% ±5.7 pts | 67.8% |
| Renter-occupied homes | 27.8% ±5.7 pts | 32.2% |
| Housing units | 1,655 ±127 | 11,060 |
| Single-family detached homes | 59.7% ±6.6 pts | 58.7% |
| Mobile homes | 0.0% ±1.3 pts | 0.0% |
| Built 2020 or later | 7.2% ±3.1 pts | 1.5% |
| Built 2010 to 2019 | 7.3% ±4.5 pts | 5.0% |
| Built 1939 or earlier | 6.8% ±5.5 pts | 10.4% |
| Households with no vehicle | 8.1% ±5.1 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 404.01 get to work?
80.1% of Census Tract 404.01's workers drive alone and 12.9% work from home. The average trip to work takes 23.6 minutes.
| Measure | Tract 404.01 | White Bear Lake |
|---|---|---|
| In the labor force (age 16+) | 71.2% ±4.2 pts | 66.1% |
| Unemployment rate | 1.0% ±1.3 pts | 4.0% |
| Drove alone to work | 80.1% ±6.6 pts | 70.9% |
| Carpooled | 5.1% ±4.0 pts | 4.9% |
| Public transportation | 1.2% ±1.3 pts | 0.7% |
| Walked | 0.0% ±1.1 pts | 1.5% |
| Worked from home | 12.9% ±4.8 pts | 20.9% |
| Mean travel time to work | 23.6 min ±3.2 | 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 404.01 compare with the other tracts in Ramsey County?
Among Ramsey County's tracts with a reliable estimate, Census Tract 404.01 ranks as shown below (1 = highest).
| Measure | In Ramsey County | In White Bear Lake |
|---|---|---|
| Population | 72nd of 142 | 5th of 9 |
| Residents per square mile | 87th of 143 | 2nd of 9 |
| Median household income | 49th of 142 | 5th of 9 |
| Per capita income | 60th of 142 | 6th of 9 |
| Median home value | 79th of 140 | 7th of 9 |
| Median gross rent | 19th of 135 | 3rd of 7 |
| Poverty rate | 111th of 120 | 6th of 8 |
| Bachelor's degree or higher | 89th of 142 | 8th of 9 |
| Median age | 59th of 142 | 7th of 9 |
| Owner-occupied share | 40th of 141 | 6th of 9 |
The tracts next to it on Ramsey County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 405.03 | 46th | $94,044±$21,467 · within the margin of this tract |
| Tract 302.01 | 47th | $92,929±$35,198 · within the margin of this tract |
| Tract 416.01 | 48th | $91,985±$11,455 · within the margin of this tract |
| Tract 404.01 | 49th | $91,830±$7,644 |
| Tract 410.01 | 50th | $91,477±$34,962 · within the margin of this tract |
| Tract 427 | 51st | $89,145±$15,275 · within the margin of this tract |
| Tract 330 | 52nd | $88,047±$21,979 · 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 404.01?
1 of the 18 figures for Census Tract 404.01 on this page carries a coefficient of variation over 40% and is 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