Saint Paul, Minnesota.
Typical home $291,209 (+0.8% in a year), asking rent $1,524 (+3.4%). Minneapolis-St. Paul-Bloomington, MN-WI metro.
to buy the typical home at today's mortgage rate — +$672 (+78%) since Jan 2020.
- 1 year
- Up $2,352 +1%
- $288,857$291,209 since Sep 2025
- 5 years
- Up $15,420 +6%
- $275,790$291,209 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.
- Saint Paul$1,528
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 64 years.
Typical home values in Saint Paul, MN rose 0.8% over the past year — slower than the nation's +1.2%.
Asking rents in Saint Paul, MN rose 3.4% over the past year — faster than the nation's +2.7%.
Owning the typical home in Saint Paul runs $611/mo more than renting one. The gap peaked at $781 in Oct 2023.
That is $2,135 a month against $1,524 rent: a $1,528 mortgage payment, plus $295 property tax and $312 insurance & upkeep.
Owning vs renting — Saint Paul
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$2,135
- Renting$1,524
- Mortgage only$1,528
Property tax · $295/mo 1.21% of value a year — the ACS 2020-2024 median bill over the median home value for Ramsey County, MN
Insurance & upkeep · $312/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.
Living in Saint Paul, Ramsey County, Minnesota
Saint Paul is a city of 311,527 people in Ramsey County. Half its households earn more than $73,394 a year and half less, against $81,568 across Ramsey County; 16% of its people live below the poverty line. 53% of its homes are lived in by their owners and 47% are rented. Unemployment in Saint Paul was 4.9% in August 2026, and Ramsey County had 1.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Saint Paul is the capital of Minnesota and a city with a younger population than many places, with more renters than owners and household incomes below the rest of Ramsey County's. A good share of adults hold a four-year degree, and the typical commute is short, with a fair number of people working from home. Winters are cold, with January the coldest month, and summers are warm, with July the warmest; precipitation is spread through the year, including a good deal of snow.
Work. Residents work mostly in schools, hospitals and social care, followed by manufacturing, professional and business services, and shops. Among the largest workplaces in Saint Paul are Anoka-metro Regional Treatment CTR, Baxter Behavorial Health HSP and Annandale Behavioral Health HSP, all psychiatric hospitals. Unemployment is higher than it was a year earlier, though Ramsey County added jobs over the past year.
Things to do. The Minnesota State Capitol, a museum in or beside town, is the best known place to visit, and the Fitzgerald Theater, also in or beside town, hosts live performances. A short drive away are Allianz Field, a stadium, and the Minneapolis Institute of Art, a museum.
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- 125,249households
- 44%of adults have a degree
- 16%below the poverty line
- 21 mintypical commute
- 20%work from home
What residents work in
Employed residents by industry, from the Census survey. Ramsey County had 330,908 jobs in 2025, 1.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 24° and lows near 9°; warmest in July, with highs near 83° and lows near 64°. About 29 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Paul Downtown Airport weather station, 3 miles away (NOAA).
Largest workplaces in Saint Paul
- Anoka-metro Regional Treatment CTRPsychiatric hospital295,330FTE
- Baxter Behavorial Health HSPPsychiatric hospital37,798FTE
- Annandale Behavioral Health HSPPsychiatric hospital37,206FTE
- Fergus Falls CbhhPsychiatric hospital36,211FTE
- Cbhh- RochesterPsychiatric hospital35,842FTE
- Alexandria Behavorial Health HSPPsychiatric hospital35,818FTE
- Child & Adolescent Beh. Health SrvsPsychiatric hospital34,986FTE
- Bemidji Behavorial Health HSPPsychiatric hospital33,658FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 350 workplaces with 20 or more staff, 66,931 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesRelatively high
- TornadoesRelatively high
- Hailrelatively high in parts of Saint PaulRelatively moderate
- Heat wavesrelatively high in parts of Saint PaulRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Paul’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Ramsey County and the Minneapolis-St. Paul-Bloomington, MN-WI metro.
Saint Paul home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Paul$291,209
- Minnesota$348,778
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Saint Paul listings, and the typical home goes pending in 23 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Saint Paul29.11%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Saint Paul23
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Saint Paul852
New listings per month
Sellers arriving at the market.
- Saint Paul287
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Saint Paul$292,537
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Saint Paul100.73%
Zip codes with a Saint Paul address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Paul — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Saint Paul
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 55106 | Saint Paul | 56,708 | $1,326 | $256,280 |
| 55104 | Saint Paul | 45,762 | $1,745 | $299,503 |
| 55117 | Saint Paul | 44,697 | $1,398 | $294,842 |
| 55105 | Saint Paul | 28,617 | $1,554 | $468,059 |
| 55116 | Saint Paul | 25,918 | $1,602 | $449,999 |
| 55102 | Saint Paul | 19,630 | $1,599 | $280,960 |
| 55130 | Saint Paul | 17,775 | $1,225 | $246,017 |
| 55107 | Saint Paul | 15,377 | $1,559 | $265,859 |
| 55103 | Saint Paul | 13,125 | $1,417 | $248,549 |
| 55101 | Saint Paul | 7,911 | $1,527 | $179,224 |
| 55114 | Saint Paul | 5,049 | $1,552 | $278,146 |