Cost Of Living in Gem Lake, MN

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F

24%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

79%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Gem Lake	Minnesota	National
Cost of living	124	100	100
Groceries	102	100	100
Health care	101	100	100
Housing	179	100	100
Transportation	99	100	100
Utilities	102	104	100
Lifestyle & Entertainment	100	100	100
Household Items	99	100	100
Education & Childcare	102	99	100

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Homes For Sale In Gem Lake, MN

9 Hillary Farm Ln

Saint Paul, MN

Cost Of Living Quick Facts

The cost of living in Gem Lake is 24% higher than the Minnesota average
The cost of living in Gem Lake is 24% higher than the national average
Gem Lake housing is 79% higher than the national average
Minnesota general sales tax is 35% higher than the national average
Minnesota state income tax is 106% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$191,097	$15,925	$4,459	$5,733
Renters	$62,519	$5,210	$1,459	$1,876

Minnesota Sales Tax

State	General Sales Tax	With Max Surtax
Minnesota	6.875%	7.875%

Minnesota Income Tax

State	Income Tax (Low)	Income Tax (High)
Minnesota	5.35%	9.85%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Houlton, WI	109	100	0.0%
Landfall, MN	819	72	27.9%
South End, MN	66	78	22.1%
Hilltop, MN	1,045	80	20.0%
St. Anthony city (Stearns County), MN	108	84	16.4%
Gem Lake, MN	540	124	24.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Crawfordsville, AR	540	90	10.3%
Hampton, FL	540	90	9.9%
Jay, FL	540	90	10.1%
Hillsboro, IN	540	87	13.2%
Markleville, IN	540	89	11.5%
Gem Lake, MN	540	124	24.3%