ZIP Code 55104 — St. Paul city, MN Demographics & Data

ZIP code 55104 covers St. Paul, MN in Ramsey County with a population of about 45,777.

At a glance, the area shows median age of 32.9 versus a U.S. median of about 38.9.

It sits in telephone area code 651; U.S. House district MN-4; the MINNEAPOLIS - ST. PAUL media market.

St. Paul, MN sits in a university / college context (near concordia university-saint paul (0.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 55104 is about $75,038 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.9%; unemployment rate near 6.0%; 52.1% of adults with a bachelor’s degree or higher (about 18.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 19.4% of workers reporting work-from-home (about 4.2 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $290,900 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,061 (about 9% below the U.S. median rent ($1,163)), and owner-occupancy near 53.9% (about 11.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55104 in St. Paul, MN, a household would need roughly $80,000 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 $1,869. That is roughly in line with the local median household income ($75,038). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for St. Paul city, MN as Relatively High (composite score 94.6), which is among the highest nationally. The strongest component scores on US5 are flood (93.8) and wildfire (52.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for St. Paul city, MN show little to no average snow.

IRS migration statistics show a net inflow of about 3,249 for ZIP 55104 (St. Paul city, MN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.