The Town FilesSilver Creek, Minnesota
Township in Lake County · population 1,192 (2020 Census)
- Median home
- $369,900
- Household income
- $87,564
- Jan low / Jul high
- 1° / 77°
- Snow a year
- 81 in
- Tornadoes ≤10 mi since 1950
- 2
- Median age
- 49.0
Silver Creek is a township of 1,192 people in Lake County, Minnesota. The median home is worth $369,900, above the typical Minnesota town ($301,800). It ranks quieter than 94% of Minnesota towns, better for retirees than 91% of Minnesota towns, better for a vacation home than 85% of Minnesota towns.
How Silver Creek ranks
Percentile among Minnesota towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Minnesota towns.
Homes and cost of living
The median home in Silver Creek is worth $369,900, above the typical Minnesota town ($301,800). Homes cost about 4.2 times the median household income of $87,564, which is more affordable than 18% of Minnesota towns. 95.3% of households own their home.
| Housing | Silver Creek | Typical Minnesota town |
|---|---|---|
| Median home value | $369,900 | $301,800 |
| Median rent | — | $991 |
| Median household income | $87,564 | $87,375 |
| Home value ÷ income | 4.2× | 3.4× |
| Homeownership | 95.3% | 88.6% |
| Median year built | 1980 | 1979 |
| Seasonal / vacation homes | 51.2% | — |
Who lives in Silver Creek
| People | Silver Creek | Typical Minnesota town |
|---|---|---|
| Median age | 49.0 | 42.7 |
| Age 65 and over | 23.0% | 20.0% |
| Under 18 | 21.1% | — |
| Bachelor's degree or higher | 35.1% | 26.2% |
| Below the poverty line | 6.4% | 6.9% |
| Veterans | 6.5% | — |
| Born outside the U.S. | 1.2% | — |
| Work from home | 19.7% | 11.1% |
| Average commute | 27.7 min | 24.5 min |
| Homes with broadband | 87.9% | 90.2% |
Weather in Silver Creek
July highs average 77.3°F and January lows 1.1°F. About 33.6 inches of rain and melted snow fall a year, with 81.1 inches of snow (typical Minnesota town: 47.0 in). Expect about 1 days a year at 90°F or hotter and 196 nights at or below freezing.
Tornadoes, storms and disasters
2 tornadoes have passed within 10 miles of Silver Creek since 1950, compared with 14 for the typical Minnesota town. The strongest, an F1, struck on September 5, 1987 about 9.4 miles from the town center. The most recent was on May 28, 2011.
Hail of 1 inch or larger has been reported within 10 miles 12 times; the largest was 1.75 inches on August 8, 2018.
Severe weather in Lake County since 1996
Lake County has been included in 12 federal disaster or emergency declarations since 1953, most often for flood, drought, hurricane.
| Declared | Incident | Declaration |
|---|---|---|
| June 28, 2024 | Flood | DR-4797: Severe Storms And Flooding |
| July 13, 2022 | Flood | DR-4659: Severe Storms, Straight-Line Winds, And Flooding |
| April 7, 2020 | Biological | DR-4531: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3453: Covid-19 |
| September 5, 2018 | Flood | DR-4390: Severe Storms, Tornadoes, Straight-Line Winds, And Flooding |
Jobs and pay in Lake County
Lake County had 3,902 jobs in 2024, paying an average of $54,467 a year. Unemployment was 3.9% in 2023; in Silver Creek itself the ACS puts it at 5.6%.
Towns near Silver Creek
- Silver Bay, MN15.3 mi · 1,857 people · home $158,900
- Two Harbors, MN15.4 mi · 3,633 people · home $206,800
- Beaver Bay, MN16.1 mi · 517 people · home $294,000
- Duluth, MN22.8 mi · 2,039 people · home $329,000
- Normanna, MN24.8 mi · 769 people · home $382,200
- Gnesen, MN28.8 mi · 1,931 people · home $451,500
- Lakewood, MN30.0 mi · 2,276 people · home $378,200
Silver Creek questions
Is Silver Creek, Minnesota a good place to retire?
On The Town Files lifestyle rankings, Silver Creek scores better for retirees than 91% of Minnesota towns and quieter than 94%. 23.0% of residents are 65 or older (median age 49.0).
How much does a house cost in Silver Creek?
The median owner-occupied home in Silver Creek is valued at $369,900 (Census ACS 2020–2024), against a median household income of $87,564, so homes cost about 4.2 times income. Median rent is — a month.
What is the weather like in Silver Creek?
July highs average 77.3°F and January lows 1.1°F (NOAA 1991–2020 normals). It gets about 33.6 inches of precipitation a year and 81.1 inches of snow.
Does Silver Creek get tornadoes?
2 tornadoes have passed within 10 miles of Silver Creek since 1950 (NOAA Storm Events); the strongest was a F1 on September 5, 1987. The typical Minnesota town has had 14.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)