55110
White Bear Lake, Minnesota.
White Bear Lake, Ramsey County, MN · Minneapolis-St. Paul-Bloomington, MN-WI metro · population 37,305
to buy the typical home at today's mortgage rate — +$525 (+83%) since Jan 2020.
- 1 year
- Down $1,631 -1%
- $221,586$219,956 since Sep 2025
- 5 years
- Up $11,386 +5%
- $208,570$219,956 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 55110$1,154
- United States$1,811
At the last five years' pace, a typical home here doubles in price every 65 years.
Typical home values in zip 55110 rose 2.5% over the past year — faster than the nation's +1.2%.
Asking rents in zip 55110 rose 0.0% over the past year — slower than the nation's +2.7%.
Owning the typical home in zip 55110 runs $283/mo less than renting one. The gap peaked at $357 in Feb 2026.
That is $1,597 a month against $1,880 rent: a $1,154 mortgage payment, plus $207 property tax and $235 insurance & upkeep.
Owning vs renting — zip 55110
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,597
- Renting$1,880
- Mortgage only$1,154
Property tax · $207/mo 1.13% of value a year — the ACS 2020-2024 median bill over the median home value for 3 counties
Insurance & upkeep · $235/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
This zip spans 3 counties: Ramsey County, MN 63% · Washington County, MN 33% · Anoka County, MN 4%
Zillow also publishes an index for the city itself: White Bear Lake, MN — measured over the city limits, which is a different area from this zip.
Asking rent — 55110
Against the Minneapolis-St. Paul-Bloomington, MN-WI metro and the national benchmark.
- 55110$1,880
- Minneapolis$1,736
- United States$1,932
Within 20 miles
Showing 30 of 84 zips in range — sorting picks from all 84.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 3.0 | 55115 | Saint Paul | 8,949 | $2,404 | $507,483 |
| 3.4 | 55090 | Willernie | 401 | — | $301,720 |
| 3.8 | 55127 | Saint Paul | 18,090 | $1,883 | $463,888 |
| 5.3 | 55109 | Saint Paul | 33,461 | $1,498 | $336,212 |
| 5.6 | 55038 | Hugo | 25,061 | $2,456 | $456,753 |
| 6.4 | 55126 | Saint Paul | 27,456 | $1,912 | $410,375 |
| 7.3 | 55128 | Saint Paul | 29,384 | $1,858 | $356,170 |
| 7.7 | 55117 | Saint Paul | 44,697 | $1,398 | $294,842 |
| 8.0 | 55014 | Circle Pines | 29,047 | $1,960 | $381,847 |
| 8.1 | 55082 | Stillwater | 36,277 | $2,216 | $531,550 |
| 8.5 | 55042 | Lake Elmo | 13,705 | $2,758 | $640,409 |
| 8.9 | 55130 | Saint Paul | 17,775 | $1,225 | $246,017 |
| 9.1 | 55113 | Saint Paul | 40,819 | $1,547 | $372,721 |
| 9.2 | 55112 | Saint Paul | 45,346 | $1,430 | $376,623 |
| 9.4 | 55106 | Saint Paul | 56,708 | $1,326 | $256,280 |
| 10.4 | 55119 | Saint Paul | 44,567 | $1,438 | $298,327 |
| 10.4 | 55101 | Saint Paul | 7,911 | $1,527 | $179,224 |
| 10.5 | 55103 | Saint Paul | 13,125 | $1,417 | $248,549 |
| 10.9 | 55449 | Minneapolis | 34,443 | $2,170 | $462,316 |
| 11.2 | 55108 | Saint Paul | 15,224 | $1,512 | $383,068 |
| 11.6 | 55107 | Saint Paul | 15,377 | $1,559 | $265,859 |
| 12.0 | 55047 | Marine On Saint Croix | 2,244 | — | $627,163 |
| 12.1 | 55025 | Forest Lake | 25,891 | $1,573 | $438,887 |
| 12.1 | 55125 | Saint Paul | 44,185 | $1,982 | $412,575 |
| 12.1 | 55104 | Saint Paul | 45,762 | $1,745 | $299,503 |
| 12.2 | 55432 | Minneapolis | 33,672 | $1,412 | $320,321 |
| 12.2 | 55003 | Bayport | 3,905 | — | $439,501 |
| 12.3 | 54082 | Houlton | 2,190 | — | $542,517 |
| 12.3 | 55102 | Saint Paul | 19,630 | $1,599 | $280,960 |
| 12.4 | 55421 | Minneapolis | 30,843 | $1,601 | $298,777 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.