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St. Paul city, MN

ZIP 55102 — 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 55102

Median Home Value
$280,400
Median Rent
$1,222
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,801/mo PITI).

20%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

19.1 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 55102 in St. Paul city, MN, a household would need roughly $77,000 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 $1,801. That is roughly in line with the local median household income ($74,143). 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
46.0%-30% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
16.9%-66% vs US avg
x
Mortgage-Free
31.4%-18% vs US avg
x
$280,400
Home Value
$1,222
Rent
1938
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached28.6%
  • 1-unit attached3.3%
  • 2-9 units22.3%
  • 10+ units45.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$280,400
Median rent$1,222
Owner-occupied46.0%
Vacant9.7%
Price-to-income3.8x
Est. income to buy$77,000