Residential delivery area · Minnesota
ZIP Code 55614: Silver Bay, MN
ZIP code 55614 uses the postal name Silver Bay, Minnesota and lies entirely in Lake County (Census 2020 ZIP-county file). About 2,500 people live there (Census Bureau, ACS 2020-2024). Median household income is $72,981 (Census Bureau, ACS 2020-2024). By Census place, 4% of its land lies in Silver Bay; 97% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Silver Bay · its only residential ZIP
- County
- Lake County
- Census places
- Silver Bay
- House district
- MN-8 119th Congress
- State
- Minnesota
- Time zone
- Central
- Land area
- 218.3 sq mi · 11 people per sq mi
Where is ZIP code 55614?
55614 centers on 47.346°, -91.382° and covers 218.3 square miles of land plus 18.2 of water. It borders 5 ZIP codes: 55601, 55616, 55603, 55607, 55613.
The map draws ZIP code areas only. For the streets inside 55614, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 55614 compare with the rest of Lake County?
| Measure | 55614 | In Lake County | In MN |
|---|---|---|---|
| People (ACS 2020-2024) | 2,485 | 3rd of 9 | 374th of 881 |
| Median household income | $73k | 2nd of 3 | 366th of 545 |
| Median home value | $182k | 3rd of 3 | 468th of 558 |
Its median household income is higher than in 51% of U.S. residential ZIP codes, and it is denser than 18% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 55614?
The 2020 Census counted 2,476 people in 55614; the ACS, which samples households over 2020-2024, estimates 2,485. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 2,485
- 2020 Census count
- 2,476
- Households
- 1,240
- Median age
- 51.8
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 55614?
Of the 2,485 people the ACS estimates in 55614, 18.3% are under 18 and 32.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (91.3%).
- Under 1818.3%
- 18 to 6449.6%
- 65 and older32.2%
- White, not Hispanic91.3%
- Other or two or more5.2%
- Hispanic or Latino2.4%
- Asian, not Hispanic1.0%
- Black, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 55614 earn?
Median household income is $72,981 (ACS 2020-2024), the 2nd highest of the 3 ranked ZIP codes in Lake County.
- Median household income
- $72,981±$9,708
- Income per person
- $45,373
- Below the poverty line
- 9.7%
- Unemployed (of the labor force)
- 2.1%
- Adults 25+ with a bachelor's degree
- 24.9%
- Adjusted gross income per tax return, 2022
- $62,6241,180 returns; wages 60% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 55614?
FHFA's house price index for 55614, built from repeat sales and appraisals of the same homes, rose 115% from 2015 to 2025 and rose 84% from 2020 to 2025, and moved +11.9% in 2025.
- Median home value (owners' estimate)
- $181,700
- Median gross rent
- $1,138
- Homes owned by their occupants
- 85.5%
- Housing units
- 1,512
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 55614?
53 business establishments had a location in this ZIP code in 2023, 2 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade11
- Other services (except public administration)8
- Accommodation and food services5
- Manufacturing4
- Finance and insurance4
- Construction3
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 55614?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 55601 | Beaver Bay | 128 | $56k | 7.6 mi |
| 55616 | Two Harbors | 7,250 | $76k | 15.9 mi |
| 55603 | Finland | 490 | $62k | 16.4 mi |
| 55607 | Isabella | 192 | $88k | 19.9 mi |
| 55613 | Schroeder | 232 | $59k | 24.3 mi |
| 55602 | Brimson | 346 | $74k | 25.8 mi (near) |
| 55750 | Hoyt Lakes | 2,068 | $66k | 30.0 mi (near) |
| 55609 | Knife River | 131 | $78k | 32.4 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.