Gem Lake, Minnesota
Gem Lake Real Estate
Homes for sale, local facts and advice for buying or selling in Gem Lake, Ramsey County, from Huerkamp Home Group.
Key takeaways
What should you know about Gem Lake at a glance?
Gem Lake is a east metro city in Ramsey County, home to 515 people. Here's what the public numbers say.
- Population: 515 (Census 2024 estimate; -1.9% since 2020)
- Median home value: $568,900, 74% higher than the Ramsey County median (owner estimates, Census ACS)
- Median household income: $124,583, 53% higher than Ramsey County
- Homeownership: 87.1% of households own their home (Minnesota: 72.2%)
- Getting around: about 30 minutes to downtown Minneapolis and 33 minutes to MSP Airport in light traffic
- Schools: White Bear Lake School District covers about 100% of the city
Sources: US Census Bureau 2024 population estimates and 2020–2024 American Community Survey; drive times from OpenStreetMap routing.
For sale now
Where can I find Gem Lake homes for sale?
The newest Gem Lake listings, live from the NorthstarMLS. Open any home for photos, maps and saved-search alerts.
See all 1 Gem Lake homes for sale
- Under $700,000 1
- Under $800,000 1
- Under $1 million 1
- Under $1.5 million 1
- Under $2 million 1
- Single-family homes 1
- 1+ acre 1
Keller Williams Preferred Realty is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Keller Williams Preferred Realty, a broker Participant of the Regional Multiple Listing Service of Minnesota, Inc. Information Deemed Reliable But Not Guaranteed.
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity℠ Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than Keller Williams Preferred Realty are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail logo (little black house) and detailed information about them includes the name of the listing brokers.
Keller Williams Preferred Realty participates in Regional MLS’s Broker Reciprocity℠ program, allowing us to display other brokers’ listings on our site. However, Keller Williams Preferred Realty displays only listings located in the Minnesota communities covered on this website. Some properties which appear for sale on this web site may subsequently have sold and may no longer be available. Listing data last updated November 3, 2026 at 7:28 PM (Central). Use of listing data is subject to the license agreement. Open House information is subject to change without warning.
Listings from NorthstarMLS, updated every hour from 8 AM to 10 PM.
Recently sold
What did homes in Gem Lake sell for?
Homes sold in Gem Lake in the last 6 months, from NorthstarMLS.
See every Gem Lake sale on the map
This home sale information is not an appraisal, competitive or comparative market analysis, CMA or home valuation.
Keller Williams Preferred Realty is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Keller Williams Preferred Realty, a broker Participant of the Regional Multiple Listing Service of Minnesota, Inc. Information Deemed Reliable But Not Guaranteed.
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity℠ Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than Keller Williams Preferred Realty are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail logo (little black house) and detailed information about them includes the name of the listing brokers.
Keller Williams Preferred Realty participates in Regional MLS’s Broker Reciprocity℠ program, allowing us to display other brokers’ listings on our site. However, Keller Williams Preferred Realty displays only listings located in the Minnesota communities covered on this website. Some properties which appear for sale on this web site may subsequently have sold and may no longer be available. Use of listing data is subject to the license agreement. Open House information is subject to change without warning.
Stay ahead of the market
How can you get new Gem Lake listings first?
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- New listings emailed as they come on the market
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Housing market · September 2026
Gem Lake home prices and sales
Over the 12 months through September 2026, the median sale price in Gem Lake was $610,000, up 3.8% from the year before, with 4 homes sold.
- Median sale price$610,000+3.8% vs. prior 12 months
- Homes sold4past 12 months
- Days on market76past 12 months
- Months of supply0.7end of September 2026
NorthstarMLS data via the Minneapolis Area REALTORS® Local Market Update, current as of October 7, 2026. Full Gem Lake market report
Living in
What's it like living in Gem Lake, MN?
The answer
Gem Lake is a east metro city, and it's about 30 minutes from downtown Minneapolis and 21 minutes from downtown Saint Paul in light traffic. 96.6% of its homes are single-family houses, the typical home was built around 1976, and 87.1% of households own their home.
Demographics · Gem Lake, MN
Who lives in Gem Lake?
According to the Census Bureau, Gem Lake's median household income is $124,583, 53% higher than the Ramsey County median (Ramsey County: $81,568). The median age is 57.3, 87.1% of households own their home and 50.9% of adults hold a bachelor's degree or higher.
US Census Bureau, American Community Survey 2020–2024 5-year estimates; population from 2024 estimates. Home values are owner estimates; values shown with “+” are the Census reporting cap. Gem Lake is small, so these survey figures rest on few responses and can have wide margins of error.
Population trend
How fast is Gem Lake growing?
Gem Lake's population shrank 1.9% between 2020 and 2024, from 525 to 515 residents, according to Census Bureau estimates.
US Census Bureau Vintage 2024 population estimates.
Show as a table
| Year | Residents |
|---|---|
| 2020 | 533 |
| 2021 | 530 |
| 2022 | 518 |
| 2023 | 512 |
| 2024 | 515 |
School planning
Which schools serve a Gem Lake address?
- White Bear Lake School Districtabout 100% of the city
Ask the district for the school assignment of the exact address for the year you'll enroll, since boundaries can change. Being near a school doesn't guarantee a spot, and charter and private schools set their own rules.
Minnesota Report Card (Department of Education)
District coverage: US Census Bureau 2024 school district boundaries.
Crime data
How can you check reported crime near a home?
Ask the police department that serves the address for its current reports, and compare places only across the same time period and offense definitions. Missing data doesn't mean zero crime, and a citywide number doesn't describe a particular street.
By ZIP code
What does Gem Lake look like by ZIP code?
ZIP 55110 covers most of Gem Lake.
| ZIP | Share of city | Median home value | Median household income | Homeowners | Listings |
|---|---|---|---|---|---|
| 55110 | 100% | $360,500 | $101,296 | 79% | Homes for sale |
ZIP code areas (ZCTAs) covering at least 5% of the city; values for the whole ZIP area, Census ACS 2020–2024.
Outdoor living
What lakes and water are in Gem Lake?
Gem Lake has little open water inside city limits, but lakes and regional parks are a short drive away. One lake of 10 acres or more touches Gem Lake; each has its own page with the lakefront homes for sale on it.
- Gem Lake17 acres
Commute & transportation
How easy is getting around Gem Lake?
Gem Lake residents' average one-way commute is 19.4 minutes (Census ACS). 59.2% drive alone, 1.4% take public transit and 32.9% work from home.
Drive times from Gem Lake
- 30 minDowntown Minneapolis
- 21 minDowntown Saint Paul
- 33 minMSP Airport
- 37 minMall of America
- 27 minUniversity of Minnesota
Drive times: OSRM routing on OpenStreetMap data from the city's Census center point, light traffic. Rush hour takes longer.
Economy & jobs
Where do Gem Lake residents work?
The largest share of employed Gem Lake residents work in education, health care and social assistance (26.5%), followed by professional, scientific and management services (14%). The unemployment rate averaged 0.5% over 2020–2024 (Minnesota: 4.1%).
Census ACS 2020–2024, industry of employed residents 16 and older (C24050) and employment status (B23025).
- Education, health care and social assistance26.5%
- Professional, scientific and management services14%
- Manufacturing12.1%
- Retail trade12.1%
- Arts, entertainment, recreation, lodging and food9.8%
- Construction8.4%
City comparison
How does Gem Lake compare to White Bear Lake, Vadnais Heights and Birchwood Village?
The three communities with the shortest drive from Gem Lake, side by side.
| Metric | Gem Lake | White Bear Lake | Vadnais Heights | Birchwood Village |
|---|---|---|---|---|
| Population (2024) | 515 | 23,479 | 13,108 | 838 |
| Change since 2020 | -1.9% | -5.6% | +1.4% | -2.7% |
| Median home value | $569K | $332K | $363K | $463K |
| Median household income | $125K | $84K | $99K | $157K |
| Median gross rent | $1,800 | $1,601 | $1,455 | $1,681 |
| Homeowners | 87.1% | 67.8% | 79.6% | 86.7% |
| Median age | 57.3 | 41.9 | 39.6 | 41.4 |
| Average commute | 19.4 min | 22 min | 22.9 min | 24.5 min |
| Drive to downtown Minneapolis | 30 min | 27 min | 26 min | 31 min |
Census 2024 estimates and ACS 2020–2024; drive times from OpenStreetMap routing.
Cost of ownership
What will a Gem Lake home cost you each month?
Enter the numbers for a specific home. The price starts at Gem Lake's Census median home value; the interest rate, property tax and insurance are yours to fill in from a lender quote, the county's tax statement and an insurance quote. This is an illustration, not a loan estimate.
Selling in Gem Lake
What's required to sell a home in Gem Lake?
We haven't confirmed a city pre-sale inspection for Gem Lake; check with the city before you list. Every Minnesota sale still includes the state disclosures: property condition, wells, septic systems, radon, lead paint for older homes and more.
Selling in Minnesota: every city's rules and the state disclosures · Estimate your net proceeds
Is Gem Lake right for you?
Who should buy a home in Gem Lake?
- Compare homes, not averages. Choose the space, layout and condition you need, and confirm it with an inspection.
- Try the drive. Test your commute at the times you'd actually travel.
- Check the schools for the address. White Bear Lake School District covers most of the city, but not all of it.
- Budget the whole payment. Include taxes, insurance, association dues and upkeep.
Planning a move
What should I verify before moving to Gem Lake?
- The property's current tax statement and homestead status from Ramsey County.
- Lender, insurance and utility quotes for the exact address, plus any association documents and special assessments.
- The seller's disclosures, including Minnesota's required radon and well disclosures.
- Whether the city requires a point-of-sale inspection or certificate (Minneapolis and Saint Paul, for example, require Truth-in-Sale-of-Housing reports).
- The school assignment for your enrollment year, confirmed with the district.
This weekend's open houses
Can you tour Gem Lake homes this weekend?
Found a Gem Lake home you like? We'll set up a private showing, usually within a day or two, or tell you when it has an open house.
Gem Lake FAQ
What do Gem Lake buyers most often ask?
What is the median home value in Gem Lake?
The Census Bureau's 2020–2024 American Community Survey puts the median value of owner-occupied homes in Gem Lake at $568,900, 74% higher than the Ramsey County median (Ramsey County: $326,600). These are owner estimates; for current asking prices, see the Gem Lake homes for sale in our home search.
How many people live in Gem Lake, MN?
About 515 people, according to the Census Bureau's 2024 estimate. The city shrank by 1.9% between 2020 and 2024.
Which school district serves Gem Lake?
White Bear Lake School District (about 100% of the city). School assignment depends on the exact address, so confirm it with the district before you buy.
How far is Gem Lake from downtown Minneapolis?
About 30 minutes by car in light traffic, and about 21 minutes to downtown Saint Paul. Residents' average one-way commute is 19.4 minutes (Census ACS).
Is Gem Lake a good place to live?
It depends on what you need. Gem Lake has a median household income of $124,583, 87.1% homeownership and a 19.4-minute average commute. Visit at the times you'd normally drive, check the school assignment for the address, and compare total ownership costs before you decide.
What does it cost to rent in Gem Lake?
The median gross rent (rent plus utilities) is $1,800 a month, compared with $1,329 in Ramsey County (Census ACS 2020–2024).
What ZIP codes are in Gem Lake?
55110 covers most of the city. ZIP code areas and city limits don't match exactly, so check the city on the property record.
What lakes are in Gem Lake?
The largest named lakes inside the city are Gem Lake (about 25 acres), based on Census water maps.
How long does it take to close on a home in Gem Lake?
Most financed purchases close about 30 to 45 days after an accepted offer, and cash purchases can close sooner. Your lender, the appraisal and the title company set the actual timeline.
Does Gem Lake require an inspection to sell a home?
We haven't confirmed a city inspection requirement for Gem Lake. Every Minnesota seller still owes the state disclosures (property condition, wells, septic, radon and more), and some counties require a septic inspection. Check with the city before you list.
Why Huerkamp Home Group
Why work with Huerkamp Home Group?
Ready to make a move?
Want to talk to a Gem Lake real estate expert?
Tell us your area, budget, timing and must-haves. We'll share current listings and recent sales, and explain how we'd represent you before you decide anything.
Explore nearby communities
Which communities are close to Gem Lake?
Drive times from Gem Lake in light traffic, with each community's Census median home value.