White Bear Lake cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexWhite Bear LakeMinnesotaNational
Cost of living index105102100
IndexWhite Bear LakeMinnesotaNational
Goods & Services index109107100
Groceries index105107100
Health care index103108100
Housing index107101100
Transportation index10298100
Utilities index9187100
Displayed above is a general overview of the White Bear Lake, MN cost of living index. The overall cost of living index in White Bear Lake, MN is 105, which is 3% higher than the Minnesota average and 5% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in White Bear Lake, MN are 2% higher than the Minnesota average and 9% higher than the national average.

Did you know?

  • The cost of living in White Bear Lake is 3% higher than the Minnesota average.
  • The cost of living in White Bear Lake is 5% higher than the national average.
  • The cost of housing in White Bear Lake is 7% higher than the national average.
  • Minnesota general sales tax is 35% higher than the national average.
  • Minnesota state income tax is 141% higher than the national average.

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Compare White Bear Lake, MN Cost of living To Other Cities

Salary Calculator

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Using the salary calculator lets you compare the salary you earn in White Bear Lake, MN to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in White Bear Lake, MN, you have to earn a higher income in order to still have the same standard of living. To operate the White Bear Lake, MN salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$70,443$5,870$1,644$2,114
Renters$35,674$2,973$832$1,070
One can approximate the cost of living and the housing affordability in White Bear Lake, MN by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in White Bear Lake, MN have a median income of $70,443. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,644 per month to avoid calamity and poverty. The renters in the city have an income of about $35,674, which would make their monthly maximum allowable rental costs $832.

Minnesota Sales Tax

StateGeneral Sales TaxWith Max Surtax
Minnesota6.875%7.875%

Minnesota Income Tax

StateIncome Tax (Low)Income Tax (High)
Minnesota5.35%9.85%
When considering the overall cost of living expenses in White Bear Lake, MN, it's important to take into account the sales tax for Minnesota, as well as the rate for income tax in Minnesota. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Minnesota is 7.875%, and the sales tax in the state of Minnesota is 6.875%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Minnesota starts from 5.35% and goes up to 9.85%.

Goods & Services

ItemWhite Bear LakeNational avg.Difference
Haircut $22.74$14.5955.8%
Beauty Salon $33.43$34.683.6%
Toothpaste $3.44$2.4739.1%
Shampoo $1.05$1.022.7%
Movie $9.88$9.870.1%
Bowling $4.16$4.395.3%

Groceries

ItemWhite Bear LakeNational avg.Difference
Ground Beef $3.76$4.4816.0%
Fried Chicken $1.92$1.4631.1%
Milk $2.24$2.365.0%
Potatoes $3.22$3.065.2%
Pizza $10.57$9.2414.4%
Beer $8.66$8.630.3%

Health Care

ItemWhite Bear LakeNational avg.Difference
Optometrist $81.89$99.7817.9%
Doctor $131.17$105.0324.9%
Dentist $86.82$88.702.1%
Ibuprofen $11.79$9.4125.3%
Lipitor $250.88$298.5016.0%

Housing

ItemWhite Bear LakeNational avg.Difference
Home Price $190,200.00$175,700.008.3%
Avg. Mortgage Payment $1,173.84$1,081.038.6%
Apartment Rent $963.00$920.004.7%

Transportation

ItemWhite Bear LakeNational avg.Difference
Gasoline $1.97$2.095.8%
Tire Balancing $55.48$45.2922.5%

Utilities

ItemWhite Bear LakeNational avg.Difference
All Electricity$158.73$170.807.1%
Phone $24.99$28.2611.6%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Landfall, MN79679-21%
Hilltop, MN82881-19%
Brooklyn Center, MN30,54998-2%
Lexington, MN2,019100-0%
Newport, MN3,4551000%
White Bear Lake, MN24,3981055%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Moscow, ID24,40696-4%
Muskego, WI24,38711212%
Bayonet Point, FL24,41285-15%
Somerset, NJ24,37512626%
Marshall, TX24,42488-12%
White Bear Lake, MN24,3981055%
Source: The White Bear Lake, MN cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.