Tonka Bay is located at 44°54'30" North, 93°35'34" West (44.908611, -93.592778).
According to the United States Census Bureau, the city has a total area of 0.98 mi2 (2.53 km2). 0.95 mi2 (2.47 km2) of it is land and 0.02 mi2 (0.06 km2) of it is covered by water. The total area is 2.33% water.
Tonka Bay is located in the Central Standard Time (CST) timezone, GMT-06:00. It observes Daylight Saving Time (DST).