Census tract · Lake County
Census Tract 3704, Lake County, Minnesota
Census Tract 3704, GEOID 27075370400, in Lake County, Minnesota, mostly within Two Harbors (86% of its census blocks). 3,801 residents in the ACS 2020-2024 5-year estimates (±68); the 2020 Census counted 3,846.
Residents, 2020-2024
3,801
±68 (90% margin)
2020 Census count: 3,846
Median household income
$66,199
±$5,821 (90% margin)
Lake County: $75,541
Median home value
$211,100
±$15,326 (90% margin)
Lake County: $241,300
Median gross rent
$1,079
±$82 (90% margin)
Lake County: $1,093
Where is Census Tract 3704?
Census Tract 3704 is one of 5 census tracts in Lake County, Minnesota. It covers 7.13 square miles of land, 539 residents per square mile in 2020. Its GEOID, 27075370400, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Two Harbors | 86% |
| Silver Creek Township, Lake County | 4% |
1 census tract borders Census Tract 3704: Tract 3701.02 ($88,966). 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 3704?
The 2020-2024 American Community Survey puts Census Tract 3704's population at 3,801 (±68) in 1,656 households; the 2020 Census counted 3,846 residents and 1,870 housing units.
| Measure | Tract 3704 | Two Harbors |
|---|---|---|
| Total population | 3,801 ±68 | 3,567 |
| Households | 1,656 ±111 | 1,545 |
| Average household size | 2.20 ±0.15 | 2.21 |
| Housing units | 1,953 ±133 | 1,785 |
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 3704?
The median resident of Census Tract 3704 is 42.1 years old; 22.6% are under 18 and 20.9% are 65 or older. The largest group is non-Hispanic white residents at 92.5%, then non-Hispanic residents of two or more races at 3.6%.
| Measure | Tract 3704 | Two Harbors |
|---|---|---|
| Median age | 42.1 ±2.3 | 41.2 |
| Under 18 years | 22.6% ±3.3 pts | 23.2% |
| 65 years and over | 20.9% ±2.6 pts | 19.5% |
| Hispanic or Latino (any race) | 2.3% ±0.9 pts | 2.3% |
| White alone, not Hispanic | 92.5% ±2.1 pts | 92.2% |
| Black or African American alone, not Hispanic | 0.6% ±0.6 pts | 0.6% |
| Asian alone, not Hispanic | 0.0% ±0.6 pts | 0.0% |
| American Indian and Alaska Native alone, not Hispanic | 1.0% ±1.1 pts | 1.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.1 pts | 0.0% |
| Two or more races, not Hispanic | 3.6% ±1.8 pts | 3.8% |
| Some other race alone, not Hispanic | 0.0% ±0.6 pts | 0.0% |
| Born outside the United States | 0.7% ±0.7 pts | 0.7% |
| Speak a language other than English at home (age 5+) | 0.7% ±0.7 pts | 0.8% |
| Civilian veterans (age 18+) | 7.3% ±2.3 pts | 7.6% |
| With a disability | 20.0% ±4.5 pts | 20.9% |
| No health insurance coverage | 5.0% ±2.3 pts | 5.3% |
| High school graduate or higher (age 25+) | 93.6% ±3.3 pts | 93.3% |
| Bachelor's degree or higher (age 25+) | 22.9% ±5.1 pts | 22.0% |
| Graduate or professional degree (age 25+) | 7.2% ±3.4 pts | 7.2% |
| Lived in the same house a year earlier | 87.2% ±5.7 pts | 86.4% |
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 3704 earn?
Half of the 1,656 households in Census Tract 3704 earn less than $66,199 a year (±$5,821), against $75,541 across Lake County: 4th highest of the county's 4 tracts with a reliable estimate. 11.3% of residents live below the poverty line.
| Measure | Tract 3704 | Two Harbors |
|---|---|---|
| Median household income | $66,199 ±$5,821 | $65,625 |
| Mean household income | $74,508 ±$6,976 | $73,929 |
| Per capita income | $33,413 ±$3,063 | $33,078 |
| People below the poverty line | 11.3% ±4.2 pts | 11.7% |
| Children under 18 below the poverty line | 11.0% ±7.5 pts | 11.4% |
| Households receiving SNAP | 12.4% ±4.9 pts | 13.3% |
| Households with a computer | 90.9% ±4.4 pts | 91.1% |
| Households with a broadband subscription | 86.1% ±4.6 pts | 87.8% |
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 3704?
Owners occupy 70.4% of Census Tract 3704's occupied homes and renters 29.6%. The median owner-occupied home is valued at $211,100 by its owner (±$15,326). The median renter pays $1,079 a month including utilities, and 44.4% of renters pay 35% or more of their income on rent.
| Measure | Tract 3704 | Two Harbors |
|---|---|---|
| Median home value (owner-occupied) | $211,100 ±$15,326 | $206,800 |
| Median gross rent | $1,079 ±$82 | $1,079 |
| Renters paying 35% or more of income on rent | 44.4% ±16.6 pts | 44.4% |
| Median monthly owner costs, with a mortgage | $1,443 ±$173 | $1,373 |
| Owner-occupied homes | 70.4% ±6.5 pts | 68.2% |
| Renter-occupied homes | 29.6% ±6.5 pts | 31.8% |
| Housing units | 1,953 ±133 | 1,785 |
| Single-family detached homes | 63.6% ±6.3 pts | 62.6% |
| Mobile homes | 0.7% ±0.8 pts | 0.6% |
| Built 2020 or later | 0.0% ±1.1 pts | 0.0% |
| Built 2010 to 2019 | 2.3% ±1.7 pts | 2.4% |
| Built 1939 or earlier | 39.0% ±7.7 pts | 42.0% |
| Households with no vehicle | 6.5% ±3.6 pts | 7.0% |
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 3704 get to work?
79.8% of Census Tract 3704's workers drive alone and 4.3% work from home. The average trip to work takes 25.8 minutes.
| Measure | Tract 3704 | Two Harbors |
|---|---|---|
| In the labor force (age 16+) | 60.1% ±4.5 pts | 61.5% |
| Unemployment rate | 0.3% ±0.6 pts | 0.3% |
| Drove alone to work | 79.8% ±6.3 pts | 79.9% |
| Carpooled | 8.6% ±4.1 pts | 8.4% |
| Public transportation | 0.8% ±1.2 pts | 0.8% |
| Walked | 5.9% ±3.9 pts | 6.1% |
| Worked from home | 4.3% ±2.2 pts | 4.0% |
| Mean travel time to work | 25.8 min ±4.1 | 25.3 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 3704 compare with the other tracts in Lake County?
Among Lake County's tracts with a reliable estimate, Census Tract 3704 ranks as shown below (1 = highest).
| Measure | In Lake County |
|---|---|
| Population | 1st of 4 |
| Residents per square mile | 1st of 4 |
| Median household income | 4th of 4 |
| Per capita income | 4th of 4 |
| Median home value | 3rd of 4 |
| Median gross rent | 3rd of 4 |
| Poverty rate | 1st of 4 |
| Bachelor's degree or higher | 3rd of 4 |
| Median age | 4th of 4 |
| Owner-occupied share | 4th of 4 |
The tracts next to it on Lake County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 3701.02 | 1st | $88,966±$16,205 |
| Tract 3701.01 | 2nd | $82,969±$7,323 |
| Tract 3703 | 3rd | $69,844±$12,096 · within the margin of this tract |
| Tract 3704 | 4th | $66,199±$5,821 |
"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 3704?
2 of the 18 figures for Census Tract 3704 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