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St. Paul city, MN

ZIP 55105 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55105

Median Home Value
$453,300
Median Rent
$1,194
Affordability Snapshot
$125,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,912/mo PITI).

13%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

31.6 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 55105 in St. Paul city, MN, a household would need roughly $125,000 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 $2,912. That is about 16% above the local median household income ($108,200), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.3%+3% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
30.9%-19% vs US avg
x
$453,300
Home Value
$1,194
Rent
1938
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 detached60.8%
  • 1-unit attached2.4%
  • 2-9 units15.1%
  • 10+ units21.4%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$453,300
Median rent$1,194
Owner-occupied67.3%
Vacant5.2%
Price-to-income4.2x
Est. income to buy$125,000