Ramsey County · Minneapolis-St. Paul-Bloomington · population 23,479
Where White Bear Lake stands
At or near all-time high. population shrinking 1.4% per year.
Home value trajectory · last 10 years
Zillow ZHVI · monthlyLifestyle scores
Scores are heuristic estimates from population density, state, and known transit/walkable cities. Not based on a paid Walk Score / Transit Score API — see methodology for the formula.
Rent trajectory · last 5 years
Zillow ZORI · monthlyHome value vs rent · indexed to 100
Both rebased at first month of ZORI data (~2015)Rent vs buy
At a 17.9 price-to-rent ratio, White Bear Lake is in the 'depends on horizon' zone. Buy if you'll be there 5+ years and value flexibility on the home; rent if you might move, want zero maintenance friction, or expect rates to drop.
How the momentum score breaks down
methodology →White Bear Lake has held up across the cycle: home values at $360,452 with +3.2% 5-year CAGR. The bull case is structural — population, location, employer base — and holds even if next year's print is soft.
White Bear Lake's population is shrinking 1.4% per year. Housing demand has to come from somewhere — if people are leaving, the buyer pool is shrinking faster than the inventory. That eventually shows up in price.
About White Bear Lake
White Bear Lake is a city in Ramsey County, Minnesota, with an estimated population of 23,479. It anchors the Minneapolis-St. Paul-Bloomington metro area. The population has contracted 1.4% per year on average since 2020. The median home value in White Bear Lake is $360,452 as of 2026-04, up 3.1% over the last 12 months. Over the last five years, home values have averaged +3.2% annual growth, with prices at or near the 5-year peak. Rents in White Bear Lake average $1,675 per month, up 3.0% year-over-year. The composite momentum score is 60 of 100 (Stable). Conditions are neither hot nor cold, so the local fit matters more than market timing.
▲ Bull case
▼ Bear case
Playbook
Lifestyle fit matters more than market timing in a Stable market. Take your time on the home and neighborhood; the macro trend isn't urgent. Negotiate normally.
Price competitively from day one or risk a 60+ day listing. Staging, photography, and presentation matter more in Stable markets than in Hot ones.
Stable cap rates, no big appreciation story to lean on. Underwrite this as a pure cash-flow play — the math has to work on rent alone.
Local safety & alerts
No active National Weather Service alerts for Ramsey County right now.
Public-safety links are official .gov sources, not curated by us. Ramsey County routes NWS alerts; check the state EM portal for non-weather emergencies.
Cities like White Bear Lake
Run the numbers for White Bear Lake
Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.
Climate & natural-disaster risk
State-level averages from NOAA Climate Normals (1991-2020) and FEMA National Risk Index. City-level conditions can vary significantly within a state.
Local sports teams
Major professional teams the Minneapolis-St. Paul-Bloomington area cheers for. Detailed stats, schedules, and player pages on intherafters.com.
Current weather
Find rentals & listings
Open current White Bear Lake listings on the major real-estate sites.
Links open the live search on the destination site — results are always current.
Local economy & environment
Humidity is annual average relative humidity (NOAA). Income is Census ACS 5-year estimate. Industries are largest employment sectors statewide (BLS); the local mix in a given city may vary.
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