Real Estate Investing in White Bear Lake, Minnesota (55110)
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Should you buy in 55110 (White Bear Lake, MN)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in White Bear Lake, MN (55110)?
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Market Analysis: 55110 White Bear Lake
ZIP 55110 inside Ramsey County looks affordable on the surface — median value of $388K — but the discount exists for reasons that a careful buyer should understand before committing.
For an experienced owner, 55110 can be a a solid fit for hunting ground — but the discount at $388K reflects genuine risk that outside investors often underestimate.
Regionally, 55110 sits on the difficult end of the MN spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.
The 55110 ZIP's population of 37,272 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that clocks in at the need for careful underwriting.
Strategy in 55110 is an operator game, not a passive one. From a cash-flow lens, entry prices of $388K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in White Bear Lake:
Property Strategy for 55110
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $254,612 | $1,500 | 4.2% | +5.2% | $254,612 |
| 2BR | $286,817 | $1,820 | 4.6% | +3.9% | $143,409 |
| 3BR | $357,009 | $2,410 | 4.9% | +4.4% | $119,003 |
| 4BR | $428,604 | $2,700 | 4.5% | +4.5% | $107,151 |
| 5BR | $577,424 | — | — | +5.3% | $115,485 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 55110 Compare?
| Metric | 55110 | White Bear Lake | Minnesota |
|---|---|---|---|
| Home Value | $387,988 | $387,988 | $340,597 |
| 5-Year CAGR | 3.0% | 3.0% | 4.9% |
| Avg Rent | $1,866 | $1,866 | - |
| Cap Rate | 3.8% | 3.8% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55110 (White Bear Lake, MN). Anonymous, moderated, never written by AI.
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Property managers serving Ramsey County
Manage rentals here? List your business →Property Care provides HOA Management services. summary from their website
Simply Residential Property Management offers expert management of single-family, condominiums, and multi-family dwellings throughout the Twin Cities. summary from their website
Spire Community Management provides HOA management services in Minnesota, with a local phone number for the state. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $387,988 |
| Monthly Rent | $1,866 |
| Price-to-Rent | 17.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.8% |
| Cap Rate | 3.8% |
| 5-Year IRR | 6.8% |
📈 Home Appreciation
| 1-Year | +6.1% ▲ |
| 3-Year CAGR | +2.6% ▲ |
| 5-Year CAGR | +3.0% ▲ |
| 10-Year CAGR | +5.3% ▲ |
🏠 Rent Trends
| 1-Year | +6.1% ▲ |
| 3-Year CAGR | +4.2% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 55110
Population: 37,272
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 55110
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 6,390 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How much should I expect to pay for a home in White Bear Lake, MN?
White Bear Lake, MN home values average about $388K. That price point suits investors targeting rentals with $1,866/mo in monthly income.
How strict are landlord regulations in White Bear Lake, MN?
For rental operators, White Bear Lake, MN rates as balanced. The regulatory environment standard buy-and-hold operations.
Does a duplex house hack pencil in White Bear Lake, MN?
House hacking in White Bear Lake, MN is reasonable to execute. Prices around $388K and rents of $1,866/mo solid owner-occupant economics.
What do rentals go for in White Bear Lake, MN?
White Bear Lake, MN rentals go for roughly $1,866/mo a month. That puts gross yield in solid territory relative to $388K acquisition costs.
How does White Bear Lake, MN stack up for property investment?
With a 3.0/5 investability score, White Bear Lake, MN ranks as a solid market for rental property investors. Median prices of $388K and rents of $1,866/mo drive the underlying numbers.
You know 55110 now. You don’t know where it ranks.
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How 55110 ranks in Minneapolis-St. Paul-Bloomington, MN-WI
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