US5.com
  1. Home
  2. States
  3. Minnesota
  4. ZIP 55101
  5. Housing & Real Estate
St. Paul city, MN

ZIP 55101 — 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 55101

Median Home Value
$252,700
Median Rent
$1,484
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,623/mo PITI).

24%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

14.2 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 55101 in St. Paul city, MN, a household would need roughly $70,000 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 $1,623. That is roughly in line with the local median household income ($72,703). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
22.9%-65% vs US avg
x
Vacancy Rate
9.1%-12% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
0.1%-99% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
24.1%-52% vs US avg
x
Mortgage-Free
26.1%-32% vs US avg
x
$252,700
Home Value
$1,484
Rent
1961
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached1.9%
  • 1-unit attached0.3%
  • 2-9 units0.9%
  • 10+ units96.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$252,700
Median rent$1,484
Owner-occupied22.9%
Vacant9.1%
Price-to-income3.5x
Est. income to buy$70,000