Cheap Apartments for Rent in Gem Lake, MN from $700 (13 Rentals)

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

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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Manitou Ridge Apartments
Studio to 2 Bedroom Apartments

Manitou Ridge Apartments

3149 McKnight Rd NWhite Bear Lake, MN 55110
  • Utilities Included
property at 959 Earl St

959 Earl St

St. PaulMN55106
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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 754 Payne Ave

754 Payne Ave

St. PaulMN55164
property at 1164 7th St E

1164 7th St E

St. PaulMN55106
property at 863 Clark St N

863 Clark St N

St. PaulMN55130

Roommate Matching: Finding the Right Fit and Avoiding Pitfalls

When searching for a roommate, follow this list of essential steps and set clear expectations to create a solid foundation for a harmonious living situation.

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 priced from $1,020. White Bear Royal in the Ledgestone neighborhood has the second lowest priced unit, which is a 1 Bed apartment currently listed from $1,100. 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 Royal1x1 7601BR,1BA$1,100
Boulders Senior Living Apartments1BR B1BR,1BA$1,175
Gervais Lakes Apartments - Convenient Living At An Affordable Price1 bd/1ba1BR,1BA$1,200
White Bear TerraceTwo Bedroom 21A2BR,1BA$1,205

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

As of December 10, 2025 the best value apartment in the Gem Lake area is the $1.30 price per square foot Two Bedroom Model at Hoffman Place in the in the Hoffmans Corner neighborhood starting from $1,610. The second greatest value Gem Lake apartment is the 3 Bedroom + Attached Garage Model at Cottages of Vadnais Heights starting at $1,699 with a $1.54 price per square foot in the White Bear Parkway 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.
Hoffman PlaceTwo Bedroom2BR,2BA$1.30
Cottages of Vadnais Heights3 Bedroom + Attached Garage3BR,1BA$1.54
Park Avenue ApartmentsTownhome2BR,2BA$1.44
White Bear Royal2X1.5 10002BR,1.5BA$1.50
The Grove of White Bear LakeCedar Vintage 3rd Floor2BR,2BA$1.51
White Bear TerraceTwo Bedroom 21A2BR,1BA$1.26
White Bear Manor Apartments2BR/1BA Large2BR,1BA$1.41
Birch ParkTwo Bedroom/One Bath Corner2BR,1BA$1.60
Pineview Apartments2x1 8002BR,1BA$1.56
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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Moving is tough, especially long-distance. Learn how to minimize stress & expenses with proven strategies from a real estate pro, covering everything from logistics to finances.

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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!

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Getting Around Gem Lake, MN

Walk Score®

36 / 100

Car-Dependent

Most errands require a car

Bike Score®

39 / 100

Somewhat Bikeable

Minimal bike infrastructure

Frequently Asked Questions about Cheap Gem Lake Apartments

What is the Cheapest Studio apartment in Gem Lake?

Currently the most affordable Cheap Studio Apartment in Gem Lake is at The Barnum listed at $1,225.

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 $1,205 at White Bear Terrace.

What is the most affordable Gem Lake Three Bedroom Apartment?

The best deal on a cheap Gem Lake Three Bedroom Apartment rental is at Cottages of White Bear Lake Township and starts from $1,595.

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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Renting with Roommates: Realistic Expectations for Shared Lease

Written by: Christine Leonard, Esq.

Given the high costs for housing, I have found that many people are looking for a roommate to share expenses. These arrangements can increase opportunities for more desirable and larger spaces.

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Apartment Common Area Rules: What Renters Need to Know

Written by: Christine Leonard, Esq.

Back in the day when I rented one of my first apartments, the property didn’t even have laundry in the building. Now, rental properties are often competing against each other to provide the best amenities.

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How to Negotiate Your Apartment Lease and Save Money

Written by: Christine Leonard, Esq.

Everything is a negotiation in real estate! 

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The Rental Move-In Inspection Checklist: A Guide for Renters

Written by: Trey Huguley

The move-in inspection checklist is a crucial tool for both tenants and landlords. This checklist, provided by the team at ApartmentHomeLiving.com, helps document the condition of an apartment at the time of move-in.