ZIP Code · MN

ZIP 55110

Part of White Bear Lake, MN

Pop. 37,305·Ramsey County·33rd most expensive ZIP in Minnesota

Median rent (all units)

$1,880/mo

Year-over-Year

Stable

Month-over-Month

-1.1%

vs US Median

-$52

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 55110 · $1,880

More expensive than 54% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,320

1 BR

$1,500

2 BR

$1,820

3 BR

$2,410

4 BR+

$2,700

Research median

$1,820/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 55110 is 1.1% below its high of $1,901 in August 2026, at $1,880 as of September 2026.

Past year vs. the rest of Minnesota

Rent in ZIP 55110 changed -0.1% over the year to September 2026. Across the 102 Minnesota ZIP codes Zillow tracks, the typical change was +3.4%.

Recent direction

Rent rose in 6 of the last 12 months.

What a typical income covers

30% of the median household income ($101,296) is $2,532 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($2,410); a 4-bedroom is $2,700.

Cheaper nearby

ZIP 55109, 5 miles away, rents for 20% less ($1,498/mo), about $4,600 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 55110. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$22,560/yr

At $1,880/mo median

Location

CityWhite Bear Lake

StateMN

CountyRamsey County

Rent Market Meter

Renter's Market

Renter's MarketBalancedLandlord's Market

Rents are softening (down 0.1% YoY), so renters have negotiating leverage.

Based on rent-price momentum (-0.1% YoY, -1.1% MoM), not inventory.

Demographics

Who lives here

ZIP 55110 (White Bear Lake, MN) is majority owner-occupied, has a large retiree population, has a median income above the national average, 46.8% of residents hold a bachelor's degree or higher.

Population

37,305

Median income

$101,296

Median age

43.9

Renters

21%

Age distribution

21.2%

17.2%

23.7%

15.9%

21.9%

Under 1821.2%

18–3417.2%

35–5423.7%

55–6415.9%

65+21.9%

Gender

49.5%

50.5%

Male49.5%

Female50.5%

Race & ethnicity

84.3%

White84.3%

Black2.3%

Hispanic4.9%

Asian4.5%

Other4%

Education (25+)

20.3%

29.4%

46.8%

No HS diploma3.5%

HS diploma20.3%

Some college29.4%

Bachelor's+46.8%

Housing tenure

79%

21%

Owner79%

Renter21%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 55110 in White Bear Lake, MN has changed in 5 years

Rent

$1,737 → $1,880

up 8.2%

Income

$89,965 → $101,296

up 12.6%

Population

38,838 → 37,305

down 3.9%

Renter share

23% → 21%

-2.0 pts

Bachelor's+

42.1% → 46.8%

+4.7 pts

Across the past five years, the going rent in ZIP 55110 in White Bear Lake, MN has shifted from $1,737 to $1,880, up 8.2% since 2023. Median household income climbed from $89,965 to $101,296 between 2021 and 2024, a 12.6% shift. With wages climbing faster than rent over the same window, renters here have a bit more breathing room than they did five years back. Census counts show ZIP 55110 in White Bear Lake, MN losing about 1,533 residents over the five-year window, down 3.9% on net. The renter share has eased from 23% to 21%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 42.1% to 46.8% across the same window. Taken together, the five-year picture in ZIP 55110 in White Bear Lake, MN reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 55110

Last updated: October 17, 2026

ZIP code 55110 covers White Bear Lake, MN. The median rent here is $1,880/mo as of October 2026. A 1-bedroom rents for a median of $1,500/mo. A 2-bedroom rents for a median of $1,820/mo.

At 22% of local median household income ($101,296/yr), ZIP 55110 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 0.1% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 55110?

To keep rent at or below 30% of gross income, you would need to earn at least $75,000/year (about $36/hour full-time) to afford the median rent of $1,880/mo in ZIP 55110. The local median household income is $101,296/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 55110?

Rent in ZIP 55110 has been roughly flat over the past year as of September 2026, a -0.1% change. It sits 1.1% below its high of $1,901 in August 2026.

How does ZIP 55110 compare to other ZIPs in Minnesota?

ZIP 55110 is one of the pricier among Minnesota ZIP codes for rent, ranking #33 of 123 at $1,880/mo. Over the year to September 2026, rent in ZIP 55110 changed -0.1%, against a typical +3.4% across the 102 Minnesota ZIP codes Zillow tracks.