Cheap Apartments for Rent near Gem Lake, MN from $700 (42 Rentals)

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Search the lowest-cost Apartments available for rent right now in Gem Lake.

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White Bear Manor Apartments
$1,071 - $1,411
Total Monthly Price

Total Monthly Price

Base Rent
$1,069 - $1,409
Required Monthly Fees
$2

Total Monthly Price
$1,071 - $1,411
1 to 2 Bedroom Apartments Available Now

White Bear Manor Apartments

1820 Birch StWhite Bear Lake, MN 55110
Outdoors
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  • Customer Reviewed
  • Utilities Included
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Pinehurst Apartments
$1,094 - $1,244
Total Monthly Price12 Month Lease Term

Total Monthly Price

Base Rent
$1,075 - $1,225
Required Monthly Fees
$19

Total Monthly Price
$1,094 - $1,244
1 to 2 Bedroom Apartments Available Sep 11

Pinehurst Apartments

1801-1821 Cedar AveWhite Bear Lake, MN 55110
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  • Customer Reviewed
  • Utilities Included
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Cherry Court Apartments
Rent Specials
$1,208 - $1,629
Total Monthly Price

Total Monthly Price

Base Rent
$1,204 - $1,625
Required Monthly Fees
Varies

Total Monthly Price
Varies
Studio to 2 Bedroom Apartments Available Now

Cherry Court Apartments

2095 Dotte DrWhite Bear Lake, MN 55110
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Maple Ridge Apartment Homes
$1,310 - $2,685
Total Monthly Price12 Month Lease Term

Total Monthly Price

Base Rent
$1,310 - $2,685

Total Monthly Price
$1,310 - $2,685
1 to 2 Bedroom Apartments Available Now

Maple Ridge Apartment Homes

1695 County Road D EMaplewood, MN 55109
Pet Friendly
  • Verified
  • Customer Reviewed
  • Utilities Included

Rent According to Income: A Look at Income-Restricted Rentals

Find income-restricted rentals and housing subsidies. Explore government programs designed to help low-income families secure stable, affordable housing.

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The Markham
Rent Specials
$1,365 - $1,835
Total Monthly Price

Total Monthly Price

Base Rent
$1,329 - $1,799
Required Monthly Fees
Varies

Total Monthly Price
Varies
1 to 2 Bedroom Apartments Available Now

The Markham

2730 Hazelwood StSt. Paul, MN 55109
Outdoors
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  • Customer Reviewed
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Lochner Apartments
Rent Specials
$1,373 - $2,363
Total Monthly Price

Total Monthly Price

Base Rent
$1,365 - $2,355
Required Monthly Fees
$8

Total Monthly Price
$1,373 - $2,363
Studio to 3 Bedroom Apartments Available Sep 1

Lochner Apartments

3600-3646 Hoffman RdWhite Bear Lake, MN 55110
Corporate Housing
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  • 3D Tour
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Conifer Ridge Apartments
$1,399 - $1,989
Total Monthly Price12 Month Lease Term

Total Monthly Price

Base Rent
$1,399 - $1,989

Total Monthly Price
Varies
Studio to 2 Bedroom Apartments Available Sep 15

Conifer Ridge Apartments

3090 Hazelwood StMaplewood, MN 55109
Family Friendly
  • Verified
  • Customer Reviewed
  • Utilities Included

Renters Insurance 101: What It Is, What It Covers, and Why You Need It

From theft to fire to water damage, the unexpected can happen to any renter. Discover why renters insurance is one of the smartest and most affordable investments you can make as a tenant.

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The Barnum
Rent Specials
$1,536 - $2,438
Total Monthly Price

Total Monthly Price

Base Rent
$1,528 - $2,430
Required Monthly Fees
$8

Total Monthly Price
$1,536 - $2,438
Studio to 2 Bedroom Apartments Available Now

The Barnum

1711 County Road EWhite Bear Lake, MN 55110
Luxury
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Cottages of Vadnais Heights
Rent Specials
$1,554 - $1,654
Total Monthly Price

Total Monthly Price

Base Rent
$1,550 - $1,650
Required Monthly Fees
Varies

Total Monthly Price
Varies
1 to 2 Bedroom Apartments Available Oct 9

Cottages of Vadnais Heights

955 Vadnais DrSt. Paul, MN 55127
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  • Utilities Included
property at 4544 Otter Lake Rd

$1,824

Total Monthly Price

Total Monthly Price

Base Rent
$1,795
Required Monthly Fees
$29

Total Monthly Price
$1,824

2 Bedroom, 1 Bath Rentals

Available Aug 26

4544 Otter Lake Rd

White Bear TownshipMN55110

How I Find the Perfect Rental for My Clients: A Real Estate Pro's Guide

Finding the right apartment starts with three things: location, cost, and amenities. Get the insider perspective from a real estate professional on how to nail all three.

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Manitou Ridge Apartments
Studio to 2 Bedroom Apartments

Manitou Ridge Apartments

3149 McKnight Rd NWhite Bear Lake, MN 55110
  • Utilities Included
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1871 7th St E
1 Bedroom Apartments

1871 7th St E

1871 7th St ESt. Paul, MN 55119
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Shadowlawn Estates
1 to 3 Bedroom Apartments

Shadowlawn Estates

1175 County Road D EVadnais Heights, MN 55109
  • Utilities Included
property at 969 Lawson Ave E

$1,150

Total Monthly Price

Total Monthly Price

Base Rent
$1,150

Total Monthly Price
$1,150

2 Bedroom, 1 Bath Condo for Rent

Available Now

969 Lawson Ave E

St. PaulMN55106
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Willow Ridge Apartments
2 to 3 Bedroom Apartments

Willow Ridge Apartments

1255 County Road D EVadnais Heights, MN 55109
  • Utilities Included
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Arbors of White Bear Lake
1 to 2 Bedroom Apartments

Arbors of White Bear Lake

4800 Division AveWhite Bear Lake, MN 55110
Senior Living
  • Utilities Included

What Does “Rent Burdened” Mean? How Much Rent Is Too Much

Learn the official definition (spending 30% or more of your gross income on housing) and how to calculate your exact rent-to-income ratio. This guide offers expert tips on factoring in total housing costs (including utilities and fees) and budgeting accurately to avoid unnecessary financial strain.

property at 936 Westminster St

$1,375

Total Monthly Price

Total Monthly Price

Base Rent
$1,375

Total Monthly Price
$1,375

2 Bedroom, 1 Bath Home for Rent

Available Now

936 Westminster St

St. PaulMN55130
property at 1040 Jessie St

$1,395 - $1,645

Total Monthly Price

Total Monthly Price

Base Rent
$1,395

Total Monthly Price
$1,395

1 To 2 Bedroom Rentals

Available Sep 1

1040 Jessie St

St. PaulMN55130
property at 1051 Arkwright St N

$1,495

Total Monthly Price

Total Monthly Price

Base Rent
$1,495

Total Monthly Price
$1,495

3 Bedroom, 1 Bath Condo for Rent

Available Now

1051 Arkwright St N

St. PaulMN55130
property at 3344 Berwood Ct W

$1,495

Total Monthly Price

Total Monthly Price

Base Rent
$1,495

Total Monthly Price
$1,495

2 Bedroom, 1 Bath Townhome for Rent

Available Oct 8

3344 Berwood Ct W

Vadnais HeightsMN55127
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Sibley Cove
2 to 3 Bedroom Apartments

Sibley Cove

1996 County Road D EMaplewood, MN 55109
  • Utilities Included
property at 2800 Hamline Ave N

$1,499

Total Monthly Price

Total Monthly Price

Base Rent
$1,499

Total Monthly Price
$1,499

2 Bedroom, 1 Bath Condo for Rent

Available Sep 1

2800 Hamline Ave N

RosevilleMN55113

Your Guide to Co-Signers: The Risks, Rewards, and Everything in Between

Thinking about getting a co-signer for your rental application? We break down what a co-signer is, the potential benefits, and the serious risks for both parties. Find out if it's the right choice for you.

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Hoffman Place
1 to 3 Bedroom Apartments

Hoffman Place

3656 Hoffman RdWhite Bear Lake, MN 55110
  • Utilities Included
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Boatworks Commons
1 to 2 Bedroom Apartments

Boatworks Commons

4495 Lake Ave SWhite Bear Lake, MN 55110

Gem Lake, MN Local Guide

Cheapest Available Gem Lake Apartments for Rent and Nearby

 

The cheapest available apartment rental in Gem Lake, MN is a 1 Bed unit found at Westwood Park in the White Bear Lake neighborhood priced from $1,020. White Bear Terrace in the White Bear Lake neighborhood has the second lowest priced unit, which is a 2 Beds apartment currently listed from $1,130. Here is today’s list of the most affordable Gem Lake apartments for rent:

Apartment ListingModel NameBed/BathPriced From
Westwood Park1 Bedroom/1 Bath1BR,1BA$1,020
White Bear TerraceTwo Bedroom 21A2BR,1BA$1,130
Cherry Court ApartmentsThe Apple1BR,1BA$1,208
Birch ParkTwo Bedroom/One Bath2BR,1BA$1,260
White Bear Royal1x1 7601BR,1BA$1,350
White Bear Manor Apartments2BR/1BA2BR,1BA$1,361
White Bear WoodsAspen1BR,1BA$1,392
Northwood Villa2 Bedroom2BR,1BA$1,425
Aster Meadow1 Bedroom1BR,1BA$1,675
The BarnumGem1BR,1BA$1,713

Best Value Apartments for Rent in Gem Lake, MN and Nearby

As of August 18, 2026 the best value apartment in the Gem Lake area is the $1.77 price per square foot Rivergate Model at Birch Lake Townhomes in the in the White Bear Lake neighborhood starting from $2,085. The second greatest value Gem Lake apartment is the 2 Bedroom - 2B Model at Maple Ridge Apartment Homes starting at $1,850 with a $1.62 price per square foot in the White Bear Lake neighborhood. Here is today’s list of the best values for Gem Lake apartments based on price per square foot:

Apartment ListingModel NameBed/BathPrice Per Sq.Ft.
Birch Lake TownhomesRivergate2BR,1.5BA$1.77
Maple Ridge Apartment Homes2 Bedroom - 2B2BR,2BA$1.62
Lakewood Hills Apartments2/2 C2BR,2BA$1.82
Hoffman PlaceTwo Bedroom2BR,2BA$1.62
White Bear TerraceTwo Bedroom 21A2BR,1BA$1.18
Northwood Villa2 Bedroom2BR,1BA$1.49
White Bear Manor Apartments2BR/1BA2BR,1BA$1.50
Birch ParkTwo Bedroom/One Bath Corner2BR,1BA$1.60
White Bear Royal1x1 7601BR,1BA$1.78
Westwood Park1 Bedroom/1 Bath1BR,1BA$1.40

Don't Settle: How to Negotiate Your Apartment Lease and Save Money

Discover the insider tips from an attorney and real estate agent on how to negotiate your next apartment lease. Find out what's on the table and what's not, so you can save money and get the best terms possible.

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Real Estate and Rental Term Glossary | ApartmentHomeLiving.com Renter University

From the letter A all the way to the letter Z, the Real Estate and Rental Term Glossary from the content team at ApartmentHomeLiving.com provides our visitors and shoppers with a little clarity and helpful guidance in navigating the real estate world through definitions and explainers for the top subjects and terms that someone may come across during the leasing, buying, or selling process.

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Quick Rent Budget Calculator

How much rent can you afford?

The common "Rule of Thumb" is that rent should be no more than 30% of your income. How much is that? Enter your monthly income and click "Calculate My Budget" to find out.

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Remember the 3 Rules of Real Estate:
Location, Location, Location!

Explore Gem Lake, MN Rentals by Map

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Frequently Asked Questions about Cheap Gem Lake Apartments

How much is rent for a Cheap One Bedroom Gem Lake Apartment?

The lowest price for a Cheap One Bedroom Gem Lake Apartment is $1,020 at Westwood Park.

What is the lowest price for a Cheap Two Bedroom Gem Lake Apartment for rent?

Today's best deal for a Cheap Two Bedroom Apartment in Gem Lake is starting from $1,130 at White Bear Terrace.

Expert Rental Resources

The rental experts at ApartmentHomeLiving.com provide you with top advice, tools, and tips for understanding the leasing process and finding the perfect rental. Here are a few helpful rental and leasing articles from our experts to guide you on your search.

Articles, How-To's, and Tips

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Rent According to Income: A Look at Income-Restricted Rentals

Written by: Robin Stewart

The idea of affordable housing can be subjective. Every individual is in a different place financially and vocationally. What one may easily afford could be a struggle for someone else.

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Practical Tips for Renters: How to Identify a Great Rental and Avoid Red Flags

Written by: Robin Stewart

Renters want to find a great apartment, the right place for them, one that checks all the boxes of location, rental cost, amenities, safety, and more.

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First Apartment Regrets: Real Renters Share What They'd Do Differently

Written by: Robin Stewart

Hindsight is 20/20. Live and Learn. With age comes wisdom. We’re familiar with all those expressions, and all of them apply to lessons first-time renters learn.

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Renters Insurance 101: What It Is, What It Covers, and Why You Need It

Written by: Robin Stewart

Insurance seems to be a part of life. In some states, having insurance is the law, as is the case for automobile insurance. Renters are no exception.