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St. Paul city, MN

ZIP 55103 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55103

Median Home Value
$240,400
Median Rent
$859
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,544/mo PITI).

22%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

23.3 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 55103 in St. Paul city, MN, a household would need roughly $66,000 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 $1,544. That is about 38% above the local median household income ($47,872), so the median earner would likely stretch or need a larger down payment. 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
42.5%-35% vs US avg
x
Vacancy Rate
7.2%-30% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
26.0%-48% vs US avg
x
Mortgage-Free
31.0%-19% vs US avg
x
$240,400
Home Value
$859
Rent
1960
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 detached44.9%
  • 1-unit attached7.1%
  • 2-9 units15.5%
  • 10+ units32.3%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$240,400
Median rent$859
Owner-occupied42.5%
Vacant7.2%
Price-to-income5.0x
Est. income to buy$66,000