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dwellings, and these are only two-family homes: There does not <br />appear to be a great. demand for housing, Although. there area great. <br />number of employment opportunities. within. Gem Lake, few <br />residents are. -also employed in Gern Lake.. Of the.69 responses to. a <br />1995 residential community survey, oniy seven stated that. they or <br />someone in their family were employed. in Gem. Lake. <br />Overcrowding is not a problem. The average number of ..persons in: <br />a household I just over three, with a majority of the household units: <br />being two to four persons. A -majority .of households have three or <br />more bedroocris, thus overcroWdi ig world not be a problem. <br />Cost of housing also is riott excessive in Gem Lake as a. percentage of <br />household income. The 1990 census shows that the median monthly <br />owner cost is $878 with a mortgage. and $264 without a mortgage. <br />Sixty-eight percent (681/9) of the households spend less than 30 <br />percent of their income on housing costs. Twen". even percent <br />(27%) spent more than 35 percent. on housing costs. Median rent for <br />non -owner occupled.househoids is $575. All renters spent less than <br />25 percent of their. iricome on rent:. <br />There is not a lot of diversity in housing. Most of the housing units <br />are single-family: There are no multiple -family buildings (other than <br />a duplex), no low income housing, and no elderly housing within .the <br />City. There would be more diverse.)housiitg options within the <br />neighboring communities *of Vadnais: Heights, White Bear Lake, and <br />White Bear Township.. <br />The 1995 residential community survey results indicated that 97 <br />percent of the respondents did not wantio see -a change in the City's <br />existing4ow density residential. development. A majority of the City <br />is zoned R :1 which requires a minimum. lot area of three acres. <br />Multiple -family dwelling is not allowed.in this zone. district. The R 2 <br />zone district also allows only single-family dwellings and requites .a <br />minimum lot area of one acre. Both the R-3 and. R-4 zone districts <br />require a minimum lot area of .36000 square feet. and allow two- <br />family dwelling units as °only with a special use :permit. Multiple - <br />family dwellings are not:aRawed in any of the zoning districts. <br />The existing housing in the R-1 zone district. in the southwest corner <br />of the City has a density slighfil4y. higher than the required one <br />dwelling unit per three acres. Some of the dwelling units. iin the <br />central portion of the R-1 zone district around. Gem Lake (water <br />body) have densities less than the required one dwelling unit per <br />three acres. There is a substantial amount of undeveloped land in <br />ihe',R-1 zone district. However, ownership of the land may.limit its <br />availability. <br />Comprehensive Plan A-GEMLK9501.00 <br />Gem Lake, Minnesota Page 30 <br />