MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

White Bear Lake, MN Housing Affordability Index

White Bear Lake, Minnesota has an MBR Housing Affordability Index score of 90.4 (Near National Average) as of October 30, 2026, ranking 752nd most affordable of 809 scored Minnesota cities, compared with 97.5 statewide and 97.4 nationally. On a median-priced $331,800 home with 20% down, the Minnesota average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,814, or 26% of the city’s $83,554 median household income.

The MBR Housing Affordability Index (MBR-HAI) for White Bear Lake is updated every night from live Minnesota mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

White Bear Lake MBR-HAI 90.4 Near National Average
Rank in Minnesota 752 of 809 1 = most affordable
Minnesota 97.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.27% Minnesota lenders
Median home value $331,800 U.S. Census Bureau

White Bear Lake is 7.1 points below the Minnesota score. Scores as of October 30, 2026. See the Minnesota index

View White Bear Lake Mortgage Rates

What It Takes to Buy in White Bear Lake

$1,814/mo
Principal & Interest
Median home, 20% down, 7.27%
$77,700
Income Needed
To keep the payment at 28% of income
$83,554
Median Household Income
Minnesota: $89,062
4.0x
Price-to-Income Ratio
Minnesota: 3.7x
$1,585/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,542/yr
Median Property Tax
1.07% of median value
28.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for White Bear Lake, Minnesota. The rate is the Minnesota average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How White Bear Lake Ranks in Minnesota

Powered byMonitorBankRates

Cite the White Bear Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. White Bear Lake, Minnesota score: 90.4 (Near National Average), ranked 752 of 809 Minnesota cities. monitorbankrates.com/housing-affordability-index/minnesota/white-bear-lake”