How old are the homes in Silver Bay, MN?

Name: Age of homes in Silver Bay, MN, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

92.3% (±9.8 points) of the homes in Silver Bay, MN were built before 1980 (2020–2024 American Community Survey).

1.5% were built before 1940.

0.7% were built in 2010 or later.

Figures last updated on November 12, 2026.

Built before 1980: 92.3% (±9.8 points)
Built before 1940: 1.5%
Built 2010 or later: 0.7%

When the homes in Silver Bay were built

Housing units by year structure built, 2020–2024
Year built	Silver Bay	Lake County	Minnesota	United States
2020 or later	0.0% (±2.3 points)	0.3%	1.9%	2.0%
2010 to 2019	0.7% (±0.7 points)	5.8%	8.5%	9.4%
2000 to 2009	3.6% (±4.7 points)	13.6%	13.3%	13.6%
1990 to 1999	1.6% (±1.7 points)	8.3%	12.2%	12.4%
1980 to 1989	1.7% (±1.8 points)	6.1%	12.0%	12.9%
1970 to 1979	14.0% (±5.3 points)	14.5%	14.2%	14.2%
1960 to 1969	12.5% (±4.5 points)	10.3%	9.1%	9.9%
1950 to 1959	63.4% (±6.6 points)	19.9%	9.1%	9.5%
1940 to 1949	0.9% (±1.0 points)	4.8%	4.1%	4.4%
1939 or earlier	1.5% (±1.7 points)	16.3%	15.6%	11.7%

In Silver Bay, the share of homes built before 1980 is higher than in Lake County (65.8%).

It is also higher than in Minnesota (52.1%).

It is higher than the national figure (49.7%).

In Lake County, Silver Bay ranks 1 of 8 places with a published estimate, from highest to lowest share of homes built before 1980.

Statewide, it ranks 94 of 2,629.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

Why the age of a home matters: lead-based paint

Federal law treats housing built before 1978 as likely to contain lead-based paint.

Before a lease or sale of most pre-1978 housing, the landlord or seller must disclose any known lead-based paint and hazards and give the tenant or buyer the EPA pamphlet (42 U.S.C. § 4852d; 40 CFR part 745, subpart F; 24 CFR part 35, subpart A).

A contractor paid to renovate, repair or paint a pre-1978 home must be a certified firm, use a certified renovator and follow lead-safe work practices under the Renovation, Repair and Painting Rule (40 CFR part 745, subpart E) whenever the job disturbs more than 6 square feet of painted surface in a room or more than 20 square feet outside; window replacement and demolition always count (40 CFR 745.83).

Certification comes from EPA, or from the state where EPA has authorized the state to run the program.

The Census Bureau groups construction by decade, so the share built before 1978 lies between the share built before 1970 (78.3%) and the share built before 1980 (92.3%).

Homes built before 1980 in places near Silver Bay

Nearest places with a published estimate, compared with Silver Bay
Place	Distance	Homes built before 1980	Compared with this place
Silver Bay	—	92.3% (±9.8 points)	—
Beaver Bay	2.9 mi	70.4% (±29.3 points)	Not measurably different
Beaver Bay Township	6.1 mi	69.1% (±14.3 points)	Lower
Silver Creek Township (Lake County)	15 mi	50.3% (±10.3 points)	Lower
Crystal Bay Township	23 mi	60.3% (±15.9 points)	Lower
Two Harbors	26 mi	84.7% (±12.2 points)	Not measurably different
Pequaywan Township	28 mi	71.1% (±18.9 points)	Not measurably different
Stony River Township	28 mi	44.7% (±12.5 points)	Lower
Fairbanks Township	31 mi	57.7% (±24.9 points)	Lower

Nearby places with a measurably lower figure: Beaver Bay Township, MN (69.1%), Silver Creek Township (Lake County), MN (50.3%), Crystal Bay Township, MN (60.3%).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Homes built before 1980 across Lake County, place by place

Rank	Place	Homes built before 1980
1	Silver Bay	92.3% (±9.8 points)
2	Two Harbors	84.7% (±12.2 points)
3	Beaver Bay	70.4% (±29.3 points)
4	Beaver Bay Township	69.1% (±14.3 points)
5	Crystal Bay Township	60.3% (±15.9 points)
6	Fall Lake Township	50.8% (±8.9 points)
7	Silver Creek Township (Lake County)	50.3% (±10.3 points)

Showing 7 of 8 places in Lake County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates).

Margins of error are at the 90% confidence level.

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Questions about Silver Bay

How old are most homes in Silver Bay?

92.3% of homes in Silver Bay, MN were built before 1980 (2020–2024 American Community Survey).

Do homes in Silver Bay need a lead paint disclosure?

A home built before 1978 does, before it is rented or sold, unless an exemption applies (42 U.S.C. § 4852d); between 78.3% and 92.3% of homes in Silver Bay were built before then.

Does a contractor need lead certification to work on older homes in Silver Bay?

Yes, when the job disturbs more than 6 square feet of paint in a room or 20 square feet outside, or replaces a window: the firm must be certified and a certified renovator must direct the work under the Renovation, Repair and Painting Rule (40 CFR part 745, subpart E).

Sources

Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Silver Bay city, Minnesota

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Silver Bay city, Minnesota (place:60250, in state:27).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The API needs a free key.

Request a Census API key.

DP04_0017PE, DP04_0017PM, DP04_0018PE, DP04_0018PM, DP04_0019PE, DP04_0019PM, DP04_0020PE, DP04_0020PM, DP04_0021PE, DP04_0021PM, DP04_0022PE, DP04_0022PM, DP04_0023PE, DP04_0023PM, DP04_0024PE, DP04_0024PM, DP04_0025PE, DP04_0025PM, DP04_0026PE, DP04_0026PM

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.