Zip lookup · MN

55082
Stillwater, Minnesota.

Stillwater, Washington County, MN · Minneapolis-St. Paul-Bloomington, MN-WI metro · population 36,277

What it costs per month · 55082 $2,790/mo

to buy the typical home at today's mortgage rate — +$1,402 (+101%) since Jan 2020.

What the home itself did
1 year
Up $20,185 +4%
$511,365$531,550 since Sep 2025
5 years
Up $82,850 +18%
$448,700$531,550 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 55082 $2,790 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 55082$2,790
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 20 years.

Typical home values in zip 55082 rose 3.9% over the past year — faster than the nation's +1.2%.

Asking rents in zip 55082 rose 1.5% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 55082 runs $1,580/mo more than renting one — the widest that gap has been in this data.

That is $3,796 a month against $2,216 rent: a $2,790 mortgage payment, plus $437 property tax and $569 insurance & upkeep.

Owning vs renting — zip 55082

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$2,000 $2,500 $3,000 $3,500 2025 2026 Owning all in $3,796 Renting $2,216 Mortgage only $2,790
$2,000 $2,500 $3,000 $3,500 2025 2026
  • Owning all in$3,796
  • Renting$2,216
  • Mortgage only$2,790

Property tax · $437/mo 0.99% of value a year — the ACS 2020-2024 median bill over the median home value for Washington County, MN

Insurance & upkeep · $569/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Stillwater, MN — measured over the city limits, which is a different area from this zip.

Asking rent $2,216 as of Sep 2026
+1.5%year on year
Typical home value $531,550 as of Sep 2026
+3.9%year on year

Asking rent — 55082

Against the Minneapolis-St. Paul-Bloomington, MN-WI metro and the national benchmark.

$1,600 $1,800 $2,000 $2,200 2025 2026 55082 $2,216 Minneapolis $1,736 United States $1,932
$1,600 $1,800 $2,000 $2,200 2025 2026
  • 55082$2,216
  • Minneapolis$1,736
  • United States$1,932

Typical home value — 55082

Mid-tier homes, smoothed and seasonally adjusted.

$300,000 $400,000 $500,000 2018 2020 2022 2024 2026 55082 $531,550 Minneapolis $387,807 United States $366,157
$300,000 $400,000 $500,000 2018 2022 2026
  • 55082$531,550
  • Minneapolis$387,807
  • United States$366,157

Within 20 miles

Showing 30 of 51 zips in range — sorting picks from all 51.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
4.2 54082 Houlton 2,190 — $542,517
5.3 55003 Bayport 3,905 — $439,501
5.4 55115 Saint Paul 8,949 $2,404 $507,483
5.9 55090 Willernie 401 — $301,720
6.3 55042 Lake Elmo 13,705 $2,758 $640,409
8.1 55110 Saint Paul 37,305 $1,880 $380,011
8.5 55128 Saint Paul 29,384 $1,858 $356,170
8.7 54025 Somerset 7,612 — $416,709
9.1 55047 Marine On Saint Croix 2,244 — $627,163
9.5 55038 Hugo 25,061 $2,456 $456,753
9.7 54016 Hudson 33,398 $1,793 $491,110
9.9 55043 Lakeland 3,424 — $399,777
10.0 55109 Saint Paul 33,461 $1,498 $336,212
11.8 55125 Saint Paul 44,185 $1,982 $412,575
11.8 55127 Saint Paul 18,090 $1,883 $463,888
12.0 55001 Afton 3,027 — $722,937
12.4 55119 Saint Paul 44,567 $1,438 $298,327
12.9 55129 Saint Paul 34,120 $2,370 $543,282
12.9 55106 Saint Paul 56,708 $1,326 $256,280
13.6 55117 Saint Paul 44,697 $1,398 $294,842
13.8 55130 Saint Paul 17,775 $1,225 $246,017
13.8 55073 Scandia 4,169 — $547,350
14.5 55126 Saint Paul 27,456 $1,912 $410,375
14.8 55101 Saint Paul 7,911 $1,527 $179,224
15.3 55014 Circle Pines 29,047 $1,960 $381,847
15.3 55107 Saint Paul 15,377 $1,559 $265,859
15.6 54023 Roberts 4,620 — $410,215
15.8 55025 Forest Lake 25,891 $1,573 $438,887
15.8 55055 Newport 4,754 $1,320 $348,136
15.8 55103 Saint Paul 13,125 $1,417 $248,549

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.