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St. Paul Park city, MN

ZIP 55071 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55071

Median Home Value
$256,200
Median Rent
$1,676
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,646/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 55071 in St. Paul Park city, MN, a household would need roughly $71,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,646. That sits below the local median household income ($98,945), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.6%+22% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
5.4%-63% vs US avg
x
Built Pre-1939
9.8%-24% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.8%-64% vs US avg
x
Mortgage-Free
41.3%+8% vs US avg
x
$256,200
Home Value
$1,676
Rent
1969
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached73.1%
  • 1-unit attached5.9%
  • 2-9 units2.5%
  • 10+ units10.5%
  • Mobile home & other8.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$256,200
Median rent$1,676
Owner-occupied79.6%
Vacant4.8%
Price-to-income2.6x
Est. income to buy$71,000