55082
Stillwater, Minnesota.
Stillwater, Washington County, MN · Minneapolis-St. Paul-Bloomington, MN-WI metro · population 36,277
to buy the typical home at today's mortgage rate — +$683 (+75%) since Jan 2020.
- 1 year
- Down $8,833 -3%
- $313,421$304,588 since Sep 2025
- 5 years
- Up $8,470 +3%
- $296,118$304,588 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.
- 55082$1,599
- United States$1,811
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 $41/mo less than renting one. The gap peaked at $212 in Mar 2026.
That is $2,175 a month against $2,216 rent: a $1,599 mortgage payment, plus $250 property tax and $326 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.
- Owning all in$2,175
- Renting$2,216
- Mortgage only$1,599
Property tax · $250/mo 0.99% of value a year — the ACS 2020-2024 median bill over the median home value for Washington County, MN
Insurance & upkeep · $326/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 — 55082
Against the Minneapolis-St. Paul-Bloomington, MN-WI metro and the national benchmark.
- 55082$2,216
- Minneapolis$1,736
- United States$1,932
Within 20 miles
Showing 30 of 51 zips in range — sorting picks from all 51.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by 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.