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St. Paul city, MN

ZIP 55106 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55106

Median Home Value
$233,000
Median Rent
$1,100
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,497/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 55106 in St. Paul city, MN, a household would need roughly $64,000 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 $1,497. That is roughly in line with the local median household income ($68,601). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
60.3%-8% vs US avg
x
Vacancy Rate
4.2%-59% vs US avg
x
Broadband Access
90.9%+5% vs US avg
x
4+ Bedrooms
3.6%-75% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
28.5%-43% vs US avg
x
Mortgage-Free
27.9%-27% vs US avg
x
$233,000
Home Value
$1,100
Rent
1955
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached63.1%
  • 1-unit attached4.1%
  • 2-9 units14.6%
  • 10+ units17.7%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$233,000
Median rent$1,100
Owner-occupied60.3%
Vacant4.2%
Price-to-income3.4x
Est. income to buy$64,000