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9.0 Housing Plan Housing Supply The housing supply in Gem Lake is rather homogeneous. The 2000 census of the population showed that there were 145 housing units within Gem Lake, with 139 of those units classified as "single-family detached." Of those single-family detached housing units, 130 of them were owner -occupied, and nine were renter -occupied. There were also two multiple -family dwelling units within Gem Lake. Both of these units were duplexes. The 2000 US Census showed that only six housing units were vacant at that time. The condition of housing within Gem Lake is generally good. Over half the homes in Gem Lake have been built since 1970. A majority of the housing within the community was built between 1970 and 1989. A total of 68 units were built prior to 1970, while 12 have been built since 1990, according to US Census Data. The median value of housing in Gem Lake in 2000 was $159,600. A majority of the housing was valued between $100,000 and $149,000.Only 17 housing units were valued less than $100,000, while there were 21 housing units valued over $300,000. Two units were valued between $500,000 and $1,000,000. The median gross rent in Gem Lake in 2000 was $813 per month. The 2000 census shows that there are 419 persons and 139 households in Gem Lake, for an average of 3.01 persons per household. This compares to 3.14 in 1990. Due to an aging population, smaller households have become a national trend. The median household income in 2000 for Gem Lake was $64,167. Median family income was $82,909. That compares to $41,994 and $50,046 respectively to the United States. Supply and types of housing in the City of Gem Lake are limited. Few are vacant or available and almost all of the housing stock is classified as single family detached. Virtually nothing in the way of multiple family buildings, (other than two duplex units) senior or planned affordable housing currently exists. More diverse housing options currently exist within the neighboring communities of Vadnais Heights, White Bear Lake, and White Bear Township. While the planned mixed use development near Hoffman Corner's may provide an opportunity for senior and multiple family housing, Gem Lake also needs to explore region wide efforts to provide for more housing diversity. Overcrowding is not a problem in the City of Gem Lake. The majority of houses in the City have three or more bedrooms, which meshes well with the average household size of 3.01 persons. Also, the cost of housing is not excessive as a percentage of household income. The 2000 census shows that median monthly owner cost is $1,210 with a mortgage and $263 without a mortgage. Almost 79 percent of the households spend less than 30 percent of their income on housing costs. Median rent for non -owner occupied households is $813. All renters spent less than 25 percent of their income on rent. Although there are a great number of employment opportunities within Gem Lake, few residents are also employed here. Of the 69 responses to the last residential community SEH 9.0 housing plan I page 53