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St. Paul city, OR

ZIP 97137 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 97137

Median Home Value
$584,900
Median Rent
$1,087
Affordability Snapshot
$161,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,757/mo PITI).

12%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

44.8 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 97137 in St. Paul city, OR, a household would need roughly $161,000 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 $3,757. That is about 54% above the local median household income ($104,643), so the median earner would likely stretch or need a larger down payment. 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
64.3%-2% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
8.1%-46% vs US avg
x
Built Pre-1939
7.2%-44% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.4%-85% vs US avg
x
Mortgage-Free
37.9%-1% vs US avg
x
$584,900
Home Value
$1,087
Rent
1971
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached83.0%
  • 1-unit attached0.9%
  • 2-9 units3.4%
  • 10+ units0.0%
  • Mobile home & other12.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$584,900
Median rent$1,087
Owner-occupied64.3%
Vacant6.5%
Price-to-income5.6x
Est. income to buy$161,000