Silver Bay ZIP Code List — Lake County, MN

There is one unique ZIP code in Silver Bay, Minnesota and it is 55614. Area code: 218.
1
ZIP codes
218.32
sq mi land
18.17
sq mi water
218
area code
Silver Bay, MN ZIP code map

About Silver Bay, MN

Silver Bay is a charming city located in the northern part of Minnesota. Nestled in Lake County, it boasts beautiful natural landscapes and a close-knit community feel. Known for its scenic views and outdoor recreational opportunities, Silver Bay is a destination for nature lovers and those seeking tranquility.

Location & geography

Silver Bay is situated on the shores of Lake Superior, providing it with stunning waterfront views. The city is surrounded by a diverse landscape, featuring both land and water areas that enhance its scenic beauty, with a total land area of 218.32 square miles and a water area of 18.17 square miles. Nearby cities include Two Harbors, located approximately 20 miles to the southwest, and Beaver Bay, which is just about 8 miles to the south.

Community & economy

The community of Silver Bay is characterized by its friendly atmosphere and strong ties among residents. The local economy has historically been driven by industries such as taconite mining and tourism, contributing to the city’s growth and development. Daily life in Silver Bay often revolves around outdoor activities, including hiking, fishing, and exploring the breathtaking natural surroundings.

Transportation

Silver Bay is accessible via Highway 61, which runs along the scenic North Shore of Lake Superior, connecting it to nearby cities and attractions. The nearest airport is the Duluth International Airport, located about 70 miles to the southwest, offering both commercial and general aviation services. Public transit options are limited, so personal vehicles are the most common means of travel in this serene area.

History

Silver Bay was founded in the 1950s and quickly developed as a center for taconite production, which played a significant role in Minnesota's iron ore industry. Over the years, the city has transformed into a recreational hub, attracting visitors to its natural beauty. Notable events include the annual Silver Bay Art Fair, which showcases local artists and promotes community engagement.

Did you know?

One surprising fact about Silver Bay is that it is home to a unique limestone quarry that has been a significant part of the local economy. Additionally, the breathtaking views along the trails in and around Silver Bay are often considered some of the best in Minnesota, drawing hikers and photographers from afar.

ZIP codes for Silver Bay, MN (1)
ZIP code City County Map
55614 Silver Bay Lake View map

Demographics & statistics

2,390
Population
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
63
Under 5
66
40
5–9
42
62
10–14
66
38
15–19
39
48
20–24
51
134
25–34
140
82
35–44
86
128
45–54
135
99
55–59
104
102
60–64
106
209
65–74
220
87
75–84
92
74
85+
77
← Male
Female →

Age summary

GroupCount%
Under 1839916.7%
18 and over1,99183.3%
65 and over75931.8%
Median age54.4 years

Race & ethnicity

White 92.2%
Two or more races 5.9%
Hispanic or Latino 1.4%
Asian 0.5%
GroupCount%
White2,23692.2%
Two or more races1425.9%
Hispanic or Latino341.4%
Asian120.5%

Household income

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 $10k7.8%
$10k–$15k1.9%
$15k–$25k7.3%
$25k–$35k7.2%
$35k–$50k13.6%
$50k–$75k15.6%
$75k–$100k12.3%
$100k–$150k24.4%
$150k–$200k4.6%
$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

MetricValue
Median home value$157,900
Median rent / month$939
Owner occupied84.3%
Renter occupied15.7%
Vacant22.3%
Single-family detached91.6%
Large apartment buildings2.0%
Mobile homes2.3%
Median rooms5.4
Avg household size (owned)1.96

Year built

Era%
2020 or later0.6%
2010–20192.1%
2000–200911.3%
1990–19993.6%
1980–19897.4%
1970–197915.8%
1960–196915.1%
1950–195939.7%
1940–19492.2%
1939 or earlier2.2%

Bedrooms

Size% of units
No bedroom (studio)2.7%
1 bedroom5.9%
2 bedrooms39.6%
3 bedrooms40.4%
4 bedrooms8.0%
5+ bedrooms3.3%

Vehicles per household

Vehicles% of households
No vehicle6.1%
1 vehicle31.1%
2 vehicles39.5%
3 or more23.4%

Heating fuel

Fuel type%
Utility gas57.6%
Electricity14.4%
Propane / LP gas16.2%
Fuel oil4.9%
Wood3.8%
No fuel used2.9%

Households & families

Household typeCount%
Married-couple family55546.7%
Cohabiting couple776.5%
Male householder, no spouse24220.4%
Female householder, no spouse31426.4%
Households with children under 1824921.0%
Households with seniors (65+)49341.5%
Average household size1.94

Marital status

StatusMaleFemale
Never married30.2%23.7%
Married58.3%52.9%
Separated0.0%1.0%
Widowed3.0%11.9%
Divorced8.5%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 higher95.6%
Bachelor's or higher26.8%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool226.7%
Kindergarten185.5%
Elementary school17854.6%
High school7222.1%
College / grad school3611.0%

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 & arts34.8%
Service25.4%
Sales & office18.8%
Natural resources & construction10.3%
Production & transportation10.8%

Employment type

Type%
Private sector62.4%
Government26.1%
Self-employed11.4%
Unpaid family workers0.0%

Commute

Method%
Drive alone76.1%
Carpool11.5%
Public transit0.0%
Walk2.9%
Other means0.1%
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 Security47.1%
Retirement income41.2%
Supplemental Security5.1%
Cash public assistance3.8%
Food stamps / SNAP8.0%

Health indicators

Condition%
High blood pressure35.9%
High cholesterol33.4%
Heart disease8.6%
Stroke3.7%
Asthma8.4%
Arthritis28.5%
Kidney disease3.4%
Pulmonary disease6.3%
Cancer9.5%
Behavior / access%
Binge drinking17.6%
No physical activity21.1%
Less than 7 hrs sleep28.2%
Fair or poor health12.4%
Poor mental health11.7%
Poor physical health9.9%
No health insurance9.6%
Visited doctor (checkup)72.9%
Visited dentist67.9%
Cholesterol screening91.9%
Teeth loss10.5%

Veterans & disability

VeteransCount%
Civilian veterans1457.3%
Disability%
Any disability15.5%
Under 180.0%
18–64 years15.3%
65 and over25.3%

Health insurance coverage

Type%
Private insurance73.0%
Public insurance51.3%
Uninsured under 191.7%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only2,26194.6%
Spanish140.6%
Other Indo-European50.2%
Asian & Pacific Islander00.0%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)2,37899.5%
Born in same state2,37599.4%
Born in different state1,91680.2%
Foreign born30.1%
Naturalized citizen120.5%
Not a US citizen758.3%

Ancestry

AncestryCount%
Polish54622.8%
Italian32913.8%
French1807.5%
Arab1205%
AncestryCount%
Dutch461.9%
English351.5%
German180.8%
Irish40.2%

Technology access

Metric% of households
Computer access49.7%
Internet access91.0%

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

Frequently asked questions
What is the ZIP code for Silver Bay, MN?
Silver Bay, MN has one ZIP code: 55614.
What is the main ZIP code for Silver Bay, MN?
The primary ZIP code for Silver Bay, MN is 55614. The city uses area code 218 for phone service.
What county is Silver Bay, MN in?
Silver Bay is located in Lake County, Minnesota.
How many ZIP codes are in Silver Bay, MN?
Silver Bay, MN has 1 ZIP code.
What ZIP code does Silver Bay's downtown waterfront district along Lake Superior use?
Silver Bay's downtown waterfront area, which includes the harbor and main business district along Lake Superior, uses ZIP code 55614.
What is the ZIP code for the Silver Bay area near the Palisade Head overlook?
Properties and locations near Palisade Head, the popular scenic overlook in Silver Bay, are serviced by ZIP code 55614.
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