55614 ZIP Code — Silver Bay, MN

Lake County, Minnesota

ZIP code 55614 is located in Silver Bay, Minnesota, within Lake County. It covers approximately 218.32 square miles and serves a population of 2,390 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 218.

About ZIP code 55614

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $157,900. Owner-occupancy is high at 84%, well above the national average.

Median household income is $69,924. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Overall, ZIP code 55614 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,390

population

218.32

sq mi land

Standard

ZIP type

Central (CT)

timezone

55614 ZIP code map

Cities in ZIP code 55614

Below are the cities the US Postal Service accepts for ZIP code 55614. Using any city not on this list may result in mail delivery delays.

City	Status
Silver Bay	Acceptable
Silver Bay	Preferred

Nearby ZIP codes

55616 Two Harbors (18.8 mi) 55603 Finland (19.7 mi)

Demographics updated 06/2026

Population
Total population	2,390
Population density	11 / sq mi
State FIPS	27
County FIPS	075

Geography
Land area	218.32 sq mi
Water area	18.17 sq mi
Latitude	47.3681
Longitude	-91.3513
Timezone	Central (CT)
Area code	218

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.5%	36.1%	33.6%
$50k – $100k	33.5%	36.0%	31.5%
$100k – $200k	21.8%	25.0%	26.5%
Over $200k	3.3%	3.0%	8.5%

Demographics & statistics

2,390

Population

People per sq mi

54.4

Median age

$69,924

Median household income

$45,877

Per capita income

$157,900

Median home value

$939

Median monthly rent

84.3%

Home ownership

9.3%

Poverty rate

2.7%

Unemployment

1,343

Housing units

26.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

134

25–34

140

35–44

128

45–54

135

55–59

104

102

60–64

106

209

65–74

220

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	399	16.7%
18 and over	1,991	83.3%
65 and over	759	31.8%
Median age	54.4 years

Race & ethnicity

White 92.2%

Two or more races 5.9%

Hispanic or Latino 1.4%

Asian 0.5%

Group	Count	%
White	2,236	92.2%
Two or more races	142	5.9%
Hispanic or Latino	34	1.4%
Asian	12	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.5%	36.1%	33.6%
$50k – $100k	33.5%	36.0%	31.5%
$100k – $200k	21.8%	25.0%	26.5%
Over $200k	3.3%	3.0%	8.5%

Under $10k 7.8%

$10k–$15k 1.9%

$15k–$25k 7.3%

$25k–$35k 7.2%

$35k–$50k 13.6%

$50k–$75k 15.6%

$75k–$100k 12.3%

$100k–$150k 24.4%

$150k–$200k 4.6%

$200k+ 5.3%

Range	% of households
Under $10k	7.8%
$10k–$15k	1.9%
$15k–$25k	7.3%
$25k–$35k	7.2%
$35k–$50k	13.6%
$50k–$75k	15.6%
$75k–$100k	12.3%
$100k–$150k	24.4%
$150k–$200k	4.6%
$200k+	5.3%
Median income	$69,924

Housing

Home values

Under $50k 3.5%

$50k–$100k 19.4%

$100k–$150k 23.2%

$150k–$200k 24.1%

$200k–$300k 12.9%

$300k–$500k 8.3%

$500k–$1M 5.9%

$1M+ 2.9%

Housing overview

Metric	Value
Median home value	$157,900
Median rent / month	$939
Owner occupied	84.3%
Renter occupied	15.7%
Vacant	22.3%
Single-family detached	91.6%
Large apartment buildings	2.0%
Mobile homes	2.3%
Median rooms	5.4
Avg household size (owned)	1.96

Year built

Era	%
2020 or later	0.6%
2010–2019	2.1%
2000–2009	11.3%
1990–1999	3.6%
1980–1989	7.4%
1970–1979	15.8%
1960–1969	15.1%
1950–1959	39.7%
1940–1949	2.2%
1939 or earlier	2.2%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	5.9%
2 bedrooms	39.6%
3 bedrooms	40.4%
4 bedrooms	8.0%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	6.1%
1 vehicle	31.1%
2 vehicles	39.5%
3 or more	23.4%

Heating fuel

Fuel type	%
Utility gas	57.6%
Electricity	14.4%
Propane / LP gas	16.2%
Fuel oil	4.9%
Wood	3.8%
No fuel used	2.9%

Households & families

Household type	Count	%
Married-couple family	555	46.7%
Cohabiting couple	77	6.5%
Male householder, no spouse	242	20.4%
Female householder, no spouse	314	26.4%
Households with children under 18	249	21.0%
Households with seniors (65+)	493	41.5%
Average household size	1.94

Marital status

Status	Male	Female
Never married	30.2%	23.7%
Married	58.3%	52.9%
Separated	0.0%	1.0%
Widowed	3.0%	11.9%
Divorced	8.5%	10.4%

Education

Less than 9th grade 0.5%

Some HS, no diploma 3.8%

HS graduate 30.1%

Some college, no degree 26.8%

Associate's degree 11.9%

Bachelor's degree 20.8%

Graduate / professional 6.0%

Metric	%
HS diploma or higher	95.6%
Bachelor's or higher	26.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	22	6.7%
Kindergarten	18	5.5%
Elementary school	178	54.6%
High school	72	22.1%
College / grad school	36	11.0%

Employment

Industry of employment

Education & healthcare 26.0%

Retail trade 15.9%

Construction 11.4%

Arts, food & hospitality 9.3%

Agriculture & mining 7.9%

Public administration 7.1%

Manufacturing 5.9%

Finance & real estate 5.1%

Professional & management 3.5%

Other services 3.1%

Information 1.7%

Wholesale trade 1.6%

Transportation & utilities 1.4%

Occupation

Category	%
Management, business & arts	34.8%
Service	25.4%
Sales & office	18.8%
Natural resources & construction	10.3%
Production & transportation	10.8%

Employment type

Type	%
Private sector	62.4%
Government	26.1%
Self-employed	11.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.1%
Carpool	11.5%
Public transit	0.0%
Walk	2.9%
Work from home	9.4%
Other means	0.1%
Avg commute (minutes)	22.7

Poverty

All people 9.3%

Under 18 years 4.0%

18 and over 10.4%

Married-couple families 0.4%

Female-led households 5.9%

Income support

Source	% of households
Social Security	47.1%
Retirement income	41.2%
Supplemental Security	5.1%
Cash public assistance	3.8%
Food stamps / SNAP	8.0%

Health indicators

Condition	%
Obesity	35.0%
High blood pressure	35.9%
High cholesterol	33.4%
Diabetes	10.9%
Heart disease	8.6%
Stroke	3.7%
Asthma	8.4%
Arthritis	28.5%
Kidney disease	3.4%
Pulmonary disease	6.3%
Cancer	9.5%

Behavior / access	%
Smoking	15.3%
Binge drinking	17.6%
No physical activity	21.1%
Less than 7 hrs sleep	28.2%
Depression	19.9%
Fair or poor health	12.4%
Poor mental health	11.7%
Poor physical health	9.9%
No health insurance	9.6%
Visited doctor (checkup)	72.9%
Visited dentist	67.9%
Cholesterol screening	91.9%
Teeth loss	10.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	145	7.3%

Disability	%
Any disability	15.5%
Under 18	0.0%
18–64 years	15.3%
65 and over	25.3%

Health insurance coverage

Type	%
Private insurance	73.0%
Public insurance	51.3%
No insurance	3.6%
Uninsured under 19	1.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,261	94.6%
Spanish	14	0.6%
Other Indo-European	5	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,378	99.5%
Born in same state	2,375	99.4%
Born in different state	1,916	80.2%
Foreign born	3	0.1%
Naturalized citizen	12	0.5%
Not a US citizen	7	58.3%

Ancestry

Ancestry	Count	%
Polish	546	22.8%
Italian	329	13.8%
French	180	7.5%
Arab	120	5%

Ancestry	Count	%
Dutch	46	1.9%
English	35	1.5%
German	18	0.8%
Irish	4	0.2%

Technology access

Metric	% of households
Computer access	49.7%
Internet access	91.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 55614

What city is ZIP code 55614 in?

ZIP code 55614 is primarily assigned to Silver Bay, Minnesota.

What county is ZIP code 55614 in?

ZIP code 55614 falls within Lake County, Minnesota.

Does ZIP code 55614 have an older population?

32% of residents in ZIP code 55614 are 65 or older, above the national average of ~17%.

Does ZIP code 55614 have a large retiree population?

47% of households in ZIP code 55614 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 55614 mostly owner-occupied?

84% of occupied units in ZIP code 55614 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 55614?

The median home value in ZIP code 55614 is $157,900.

What timezone is ZIP code 55614 in?

ZIP code 55614 observes the CST timezone.