Zip lookup · MN

55101
Saint Paul, Minnesota.

Saint Paul, Ramsey County, MN · Minneapolis-St. Paul-Bloomington, MN-WI metro · population 7,911

What it costs per month · 55101 $941/mo

to buy the typical home at today's mortgage rate — +$241 (+34%) since Jan 2020.

What the home itself did
1 year
Down $23,585 -12%
$202,809$179,224 since Sep 2025
5 years
Down $28,596 -14%
$207,821$179,224 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 2002 2006 2010 2014 2018 2022 2026 55101 $941 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 55101$941
  • United States$1,922

At the last five years' pace, prices here aren't rising.

Typical home values in zip 55101 fell 11.6% over the past year — slower than the nation's +1.2%.

Asking rents in zip 55101 rose 1.8% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 55101 runs $213/mo less than renting one. The gap peaked at $446 in Aug 2019.

That is $1,314 a month against $1,527 rent: a $941 mortgage payment, plus $181 property tax and $192 insurance & upkeep.

Owning vs renting — zip 55101

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.

$750 $1,000 $1,250 $1,500 2018 2020 2022 2024 2026 Owning all in $1,314 Renting $1,527 Mortgage only $941
$750 $1,000 $1,250 $1,500 2018 2022 2026
  • Owning all in$1,314
  • Renting$1,527
  • Mortgage only$941

Property tax · $181/mo 1.21% of value a year — the ACS 2020-2024 median bill over the median home value for Ramsey County, MN

Insurance & upkeep · $192/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: Saint Paul, MN — measured over the city limits, which is a different area from this zip.

Asking rent $1,527 as of Sep 2026
+1.8%year on year
Typical home value $179,224 as of Sep 2026
-11.6%year on year

Asking rent — 55101

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

$1,250 $1,500 $1,750 2018 2020 2022 2024 2026 55101 $1,527 Minneapolis $1,736 United States $1,932
$1,250 $1,500 $1,750 2018 2022 2026
  • 55101$1,527
  • Minneapolis$1,736
  • United States$1,932

Typical home value — 55101

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 2018 2020 2022 2024 2026 55101 $179,224 Minneapolis $387,807 United States $366,157
$200,000 $300,000 $400,000 2018 2022 2026
  • 55101$179,224
  • Minneapolis$387,807
  • United States$366,157

Within 20 miles

Showing 30 of 102 zips in range — sorting picks from all 102.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
1.4 55107 Saint Paul 15,377 $1,559 $265,859
1.5 55130 Saint Paul 17,775 $1,225 $246,017
2.0 55103 Saint Paul 13,125 $1,417 $248,549
2.0 55106 Saint Paul 56,708 $1,326 $256,280
2.1 55102 Saint Paul 19,630 $1,599 $280,960
3.4 55117 Saint Paul 44,697 $1,398 $294,842
3.7 55104 Saint Paul 45,762 $1,745 $299,503
3.8 55118 Saint Paul 29,564 $1,477 $365,126
4.0 55119 Saint Paul 44,567 $1,438 $298,327
4.1 55105 Saint Paul 28,617 $1,554 $468,059
4.7 55108 Saint Paul 15,224 $1,512 $383,068
4.9 55075 South Saint Paul 20,714 $1,534 $298,218
5.0 55116 Saint Paul 25,918 $1,602 $449,999
5.3 55109 Saint Paul 33,461 $1,498 $336,212
5.3 55114 Saint Paul 5,049 $1,552 $278,146
5.4 55113 Saint Paul 40,819 $1,547 $372,721
6.2 55120 Saint Paul 5,058 $2,028 $510,130
6.5 55128 Saint Paul 29,384 $1,858 $356,170
6.6 55406 Minneapolis 36,581 $1,407 $342,706
6.9 55055 Newport 4,754 $1,320 $348,136
7.0 55111 Saint Paul 233 $1,669 —
7.0 55414 Minneapolis 35,007 $2,160 $339,336
7.3 55125 Saint Paul 44,185 $1,982 $412,575
7.8 55454 Minneapolis 8,880 $1,822 $145,323
7.9 55417 Minneapolis 25,102 $1,826 $373,819
8.1 55121 Saint Paul 9,198 $1,496 $334,578
8.2 55407 Minneapolis 37,667 $1,551 $312,479
8.3 55413 Minneapolis 14,655 $1,783 $323,944
8.5 55415 Minneapolis 6,900 $2,091 $357,025
8.5 55404 Minneapolis 28,920 $1,461 $235,958

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