Census tract · Ramsey County
Census Tract 405.04, Ramsey County, Minnesota
Census Tract 405.04, GEOID 27123040504, in Ramsey County, Minnesota, mostly within White Bear Lake (89% of its census blocks). 4,039 residents in the ACS 2020-2024 5-year estimates (±344); the 2020 Census counted 4,110.
Residents, 2020-2024
4,039
±344 (90% margin)
2020 Census count: 4,110
Median household income
$78,006
±$8,925 (90% margin)
Ramsey County: $81,568
Median home value
$346,400
±$14,936 (90% margin)
Ramsey County: $326,600
Median gross rent
$1,690
±$132 (90% margin)
Ramsey County: $1,329
Where is Census Tract 405.04?
Census Tract 405.04 is one of 143 census tracts in Ramsey County, Minnesota. It covers 1.26 square miles of land, 3,272 residents per square mile in 2020. Its GEOID, 27123040504, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| White Bear Lake | 89% |
| White Bear Township | 11% |
5 census tracts border Census Tract 405.04: Tract 401.01 ($123,333), Tract 401.02 ($166,029), Tract 405.02 ($60,313), Tract 405.03 ($94,044) and Tract 406.01 ($211,887). 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 405.04?
The 2020-2024 American Community Survey puts Census Tract 405.04's population at 4,039 (±344) in 1,945 households; the 2020 Census counted 4,110 residents and 1,807 housing units.
| Measure | Tract 405.04 | White Bear Lake |
|---|---|---|
| Total population | 4,039 ±344 | 23,908 |
| Households | 1,945 ±239 | 10,563 |
| Average household size | 2.05 ±0.14 | 2.22 |
| Housing units | 1,995 ±233 | 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 405.04?
The median resident of Census Tract 405.04 is 38.9 years old; 20.4% are under 18 and 20.0% are 65 or older. The largest group is non-Hispanic white residents at 82.8%, then non-Hispanic Black residents at 9.4%.
| Measure | Tract 405.04 | White Bear Lake |
|---|---|---|
| Median age | 38.9 ±4.7 | 41.9 |
| Under 18 years | 20.4% ±2.7 pts | 20.4% |
| 65 years and over | 20.0% ±3.4 pts | 21.3% |
| Hispanic or Latino (any race) | 1.2% ±1.5 pts | 4.7% |
| White alone, not Hispanic | 82.8% ±7.9 pts | 81.2% |
| Black or African American alone, not Hispanic | 9.4% ±7.3 pts | 3.3% |
| Asian alone, not Hispanic | 0.4% ±0.5 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 | 6.2% ±4.0 pts | 3.9% |
| Some other race alone, not Hispanic | 0.0% ±0.6 pts | 0.4% |
| Born outside the United States | 6.3% ±4.4 pts | 7.2% |
| Speak a language other than English at home (age 5+) | 5.8% ±4.1 pts | 8.2% |
| Civilian veterans (age 18+) | 6.1% ±2.5 pts | 4.7% |
| With a disability | 12.8% ±2.9 pts | 13.6% |
| No health insurance coverage | 2.3% ±1.6 pts | 3.1% |
| High school graduate or higher (age 25+) | 95.5% ±2.7 pts | 96.1% |
| Bachelor's degree or higher (age 25+) | 42.5% ±6.2 pts | 41.7% |
| Graduate or professional degree (age 25+) | 12.8% ±5.8 pts | 12.1% |
| Lived in the same house a year earlier | 81.4% ±4.7 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 405.04 earn?
Half of the 1,945 households in Census Tract 405.04 earn less than $78,006 a year (±$8,925), against $81,568 across Ramsey County: 86th highest of the county's 142 tracts with a reliable estimate. 5.8% of residents live below the poverty line.
| Measure | Tract 405.04 | White Bear Lake |
|---|---|---|
| Median household income | $78,006 ±$8,925 | $83,554 |
| Mean household income | $103,850 ±$15,343 | $105,618 |
| Per capita income | $48,892 ±$6,388 | $46,608 |
| People below the poverty line | 5.8% ±3.3 pts | 7.0% |
| Children under 18 below the poverty line | 0.0% ±2.7 pts | 7.9% |
| Households receiving SNAP | 7.8% ±5.1 pts | 4.2% |
| Households with a computer | 98.3% ±1.7 pts | 96.6% |
| Households with a broadband subscription | 95.0% ±3.7 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 405.04?
Owners occupy 47.6% of Census Tract 405.04's occupied homes and renters 52.4%. The median owner-occupied home is valued at $346,400 by its owner (±$14,936). The median renter pays $1,690 a month including utilities, and 39.2% of renters pay 35% or more of their income on rent.
| Measure | Tract 405.04 | White Bear Lake |
|---|---|---|
| Median home value (owner-occupied) | $346,400 ±$14,936 | $331,800 |
| Median gross rent | $1,690 ±$132 | $1,601 |
| Renters paying 35% or more of income on rent | 39.2% ±14.6 pts | 42.8% |
| Median monthly owner costs, with a mortgage | $1,923 ±$133 | $1,888 |
| Owner-occupied homes | 47.6% ±7.1 pts | 67.8% |
| Renter-occupied homes | 52.4% ±7.1 pts | 32.2% |
| Housing units | 1,995 ±233 | 11,060 |
| Single-family detached homes | 43.4% ±6.9 pts | 58.7% |
| Mobile homes | 0.0% ±1.1 pts | 0.0% |
| Built 2020 or later | 1.1% ±1.3 pts | 1.5% |
| Built 2010 to 2019 | 10.1% ±8.3 pts | 5.0% |
| Built 1939 or earlier | 3.1% ±2.1 pts | 10.4% |
| Households with no vehicle | 8.6% ±5.0 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 405.04 get to work?
76.7% of Census Tract 405.04's workers drive alone and 16.4% work from home. The average trip to work takes 23.2 minutes.
| Measure | Tract 405.04 | White Bear Lake |
|---|---|---|
| In the labor force (age 16+) | 69.7% ±5.2 pts | 66.1% |
| Unemployment rate | 4.6% ±4.3 pts | 4.0% |
| Drove alone to work | 76.7% ±7.7 pts | 70.9% |
| Carpooled | 6.2% ±3.1 pts | 4.9% |
| Public transportation | 0.0% ±1.0 pts | 0.7% |
| Walked | 0.7% ±0.9 pts | 1.5% |
| Worked from home | 16.4% ±6.8 pts | 20.9% |
| Mean travel time to work | 23.2 min ±2.0 | 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 405.04 compare with the other tracts in Ramsey County?
Among Ramsey County's tracts with a reliable estimate, Census Tract 405.04 ranks as shown below (1 = highest).
| Measure | In Ramsey County | In White Bear Lake |
|---|---|---|
| Population | 59th of 142 | 4th of 9 |
| Residents per square mile | 101st of 143 | 4th of 9 |
| Median household income | 86th of 142 | 7th of 9 |
| Per capita income | 59th of 142 | 5th of 9 |
| Median home value | 54th of 140 | 5th of 9 |
| Median gross rent | 12th of 135 | 2nd of 7 |
| Poverty rate | 99th of 120 | 4th of 8 |
| Bachelor's degree or higher | 79th of 142 | 6th of 9 |
| Median age | 61st of 142 | 9th of 9 |
| Owner-occupied share | 108th of 141 | 9th of 9 |
The tracts next to it on Ramsey County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| 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 |
| Tract 405.04 | 86th | $78,006±$8,925 |
| Tract 307.03 | 87th | $77,898±$11,325 · within the margin of this tract |
| Tract 372 | 88th | $77,807±$32,148 · within the margin of this tract |
| Tract 340 | 89th | $76,641±$17,927 · 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 405.04?
3 of the 18 figures for Census Tract 405.04 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