Saint Paul Duplex Investing and House Hacking
Saint Paul MN duplex investing starts with smart due diligence. Learn zoning, rent rules, taxes, and cash flow factors before you buy. See what to check first.
Saint Paul, Minnesota
Saint Paul Real Estate
Homes for sale, local facts and advice for buying or selling in Saint Paul, Ramsey County, from Huerkamp Home Group.
Key takeaways
What should you know about Saint Paul at a glance?
Saint Paul is one of the Twin Cities' two core cities in Ramsey County, home to 307,465 people. Here's what the public numbers say.
- Population: 307,465 (Census 2024 estimate; -1.3% since 2020)
- Median home value: $294,500, 10% lower than the Ramsey County median (owner estimates, Census ACS)
- Median household income: $73,394, 10% lower than Ramsey County
- Homeownership: 52.9% of households own their home (Minnesota: 72.2%)
- Getting around: about 16 minutes to downtown Minneapolis and 16 minutes to MSP Airport in light traffic
- Schools: St. Paul Public School District covers about 100% of the city
Sources: US Census Bureau 2024 population estimates and 2020–2024 American Community Survey; drive times from OpenStreetMap routing.
For sale now
Where can I find Saint Paul homes for sale?
The newest Saint Paul listings, live from the NorthstarMLS. Open any home for photos, maps and saved-search alerts.
$450,0001817 Stanford Avenue, Saint Paul, MN 55105MLS #7159831
Listing courtesy of Coldwell Banker Realty
$435,0002105 Stanford Avenue, Saint Paul, MN 55105MLS #7164303Listing courtesy of Lakes Sotheby's International Realty
$410,0001730 Grand Ave AVE, Saint Paul, MN 55105MLS #7168877Listing courtesy of Call It Closed International Realty
$410,0001730 Grand Avenue, Saint Paul, MN 55105MLS #7168875Listing courtesy of Call It Closed International Realty- Photo coming soon$249,900364 Sherburne Avenue, Saint Paul, MN 55103MLS #7168880Listing courtesy of Keller Williams Realty Integrity Lakes
$699,9902273 Beechwood Avenue, Saint Paul, MN 55116MLS #7167755Listing courtesy of Pulte Homes Of Minnesota, LLC
See all 906 Saint Paul homes for sale
- Under $200,000 187
- Under $250,000 307
- Under $300,000 454
- Under $350,000 574
- Under $400,000 642
- Under $450,000 685
- Under $500,000 726
- Under $600,000 770
- Under $700,000 814
- Under $800,000 836
- Under $1 million 861
- Under $1.5 million 894
- Under $2 million 898
- $1 million and up 47
- Single-family homes 532
- Townhomes 23
- Condos 196
- Multi-family homes 111
- Land and lots 44
- 3+ bedrooms 564
- 4+ bedrooms 344
- 5+ bedrooms 150
- New construction 30
- Lakefront 9
- 1+ acre 30
Keller Williams Preferred Realty is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Keller Williams Preferred Realty, a broker Participant of the Regional Multiple Listing Service of Minnesota, Inc. Information Deemed Reliable But Not Guaranteed.
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity℠ Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than Keller Williams Preferred Realty are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail logo (little black house) and detailed information about them includes the name of the listing brokers.
Keller Williams Preferred Realty participates in Regional MLS’s Broker Reciprocity℠ program, allowing us to display other brokers’ listings on our site. However, Keller Williams Preferred Realty displays only listings located in the Minnesota communities covered on this website. Some properties which appear for sale on this web site may subsequently have sold and may no longer be available. Listing data last updated November 3, 2026 at 6:01 PM (Central). Use of listing data is subject to the license agreement. Open House information is subject to change without warning.
Listings from NorthstarMLS, updated every hour from 8 AM to 10 PM.
Recently sold
What did homes in Saint Paul sell for?
Homes sold in Saint Paul in the last 6 months, from NorthstarMLS.
See every Saint Paul sale on the map
This home sale information is not an appraisal, competitive or comparative market analysis, CMA or home valuation.
Keller Williams Preferred Realty is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Keller Williams Preferred Realty, a broker Participant of the Regional Multiple Listing Service of Minnesota, Inc. Information Deemed Reliable But Not Guaranteed.
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity℠ Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than Keller Williams Preferred Realty are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail logo (little black house) and detailed information about them includes the name of the listing brokers.
Keller Williams Preferred Realty participates in Regional MLS’s Broker Reciprocity℠ program, allowing us to display other brokers’ listings on our site. However, Keller Williams Preferred Realty displays only listings located in the Minnesota communities covered on this website. Some properties which appear for sale on this web site may subsequently have sold and may no longer be available. Use of listing data is subject to the license agreement. Open House information is subject to change without warning.
Stay ahead of the market
How can you get new Saint Paul listings first?
Tell us your price range and we'll email new Saint Paul listings that match. No spam, and you can unsubscribe anytime.
- Pick your price, beds and home type
- New listings emailed as they come on the market
- Questions answered by a local agent
Housing market · September 2026
Saint Paul home prices and sales
Over the 12 months through September 2026, the median sale price in Saint Paul was $300,000, no change from the year before, with 2,682 homes sold.
- Median sale price$300,0000.0% vs. prior 12 months
- Homes sold2,682past 12 months
- Days on market48past 12 months
- Months of supply3.1end of September 2026
NorthstarMLS data via the Minneapolis Area REALTORS® Local Market Update, current as of October 7, 2026. Full Saint Paul market report
17 planning districts
Saint Paul neighborhoods
Each guide has its own monthly market report, Census facts, homes for sale and the neighborhoods next door. Hover the map or pick one below.
Hover a Saint Paul neighborhood —
- Battle Creek–Highwood$300K
- Como Park$360K
- Dayton's Bluff$250K
- Downtown$185K
- Frogtown$245K
- Greater East Side$270K
- Hamline-Midway$294K
- Highland Park$503K
- Macalester-Groveland$463K
- North End$240K
- Payne-Phalen$245K
- St. Anthony Park$310K
- Summit Hill$585K
- Summit-University$328K
- Union Park$440K
- West Seventh$285K
- West Side$275K
Living in
What's it like living in Saint Paul, MN?
The answer
Saint Paul is one of the Twin Cities' two core cities, and downtown Minneapolis is about 16 minutes away in light traffic. 52.5% of its homes are single-family houses, the typical home was built around 1952, and 52.9% of households own their home.
Downtown Minneapolis16min
Downtown Saint Paul3min
MSP Airport16min
Mall of America20min
University of Minnesota15min
Hover a community —Saint Paul307,465 residents · Ramsey County
Demographics · Saint Paul, MN
Who lives in Saint Paul?
According to the Census Bureau, Saint Paul's median household income is $73,394, 10% lower than the Ramsey County median (Ramsey County: $81,568). The median age is 33.7, 52.9% of households own their home and 43.8% of adults hold a bachelor's degree or higher.
Population307,465125,249 households
Median household income$73,394Ramsey Co. $81,568 · MN $89,062
Median home value$294,500Ramsey Co. $326,600 · MN $329,300
Median gross rent$1,281Ramsey Co. $1,329 · MN $1,280
Homeowners52.9%Ramsey Co. 60.6% · MN 72.2%
Bachelor's degree or higher43.8%Ramsey Co. 45.6% · MN 39.4%
Median age33.7Ramsey Co. 36.1 · MN 38.8
Single-family homes52.5%Median year built: 1952
US Census Bureau, American Community Survey 2020–2024 5-year estimates; population from 2024 estimates. Home values are owner estimates; values shown with “+” are the Census reporting cap.
Population trend
How fast is Saint Paul growing?
Saint Paul's population shrank 1.3% between 2020 and 2024, from 311,483 to 307,465 residents, according to Census Bureau estimates.
US Census Bureau Vintage 2024 population estimates.
Show as a table
| Year | Residents |
|---|---|
| 2020 | 311,127 |
| 2021 | 307,666 |
| 2022 | 305,034 |
| 2023 | 305,147 |
| 2024 | 307,465 |
School planning
Which schools serve a Saint Paul address?
- St. Paul Public School Districtabout 100% of the city
Ask the district for the school assignment of the exact address for the year you'll enroll, since boundaries can change. Being near a school doesn't guarantee a spot, and charter and private schools set their own rules.
Minnesota Report Card (Department of Education)
District coverage: US Census Bureau 2024 school district boundaries.
Crime data
How can you check reported crime near a home?
Ask the police department that serves the address for its current reports, and compare places only across the same time period and offense definitions. Missing data doesn't mean zero crime, and a citywide number doesn't describe a particular street.
By ZIP code
What does Saint Paul look like by ZIP code?
9 ZIP codes cover most of Saint Paul.
| ZIP | Share of city | Median home value | Median household income | Homeowners | Listings |
|---|---|---|---|---|---|
| 55106 | 18% | $241,800 | $70,187 | 61.1% | Homes for sale |
| 55119 | 13% | $277,500 | $81,865 | 65.4% | Homes for sale |
| 55104 | 12% | $317,700 | $75,712 | 53.1% | Homes for sale |
| 55116 | 11% | $418,200 | $81,141 | 51% | Homes for sale |
| 55107 | 8% | $269,600 | $74,531 | 60.6% | Homes for sale |
| 55117 | 8% | $280,500 | $70,771 | 61.3% | Homes for sale |
| 55105 | 7% | $470,100 | $107,248 | 66.6% | Homes for sale |
| 55102 | 6% | $292,200 | $76,406 | 44.9% | Homes for sale |
| 55108 | 6% | $375,600 | $86,308 | 50.9% | Homes for sale |
ZIP code areas (ZCTAs) covering at least 5% of the city; values for the whole ZIP area, Census ACS 2020–2024.
Outdoor living
What lakes and water are in Saint Paul?
Saint Paul has about 4.1 square miles of water inside city limits. 4 lakes of 10 acres or more touch Saint Paul; each has its own page with the lakefront homes for sale on it.
- Lake Phalen198 acres
- Beaver Lake86 acres
- Lake Como71 acres
- Little Pig's Eye Lake24 acres
Commute & transportation
How easy is getting around Saint Paul?
Saint Paul residents' average one-way commute is 21.1 minutes (Census ACS). 58.9% drive alone, 5.4% take public transit and 20.2% work from home.
Average commute21.1 minMN average 22.7 min
Drive alone58.9%of workers
Public transit5.4%of workers
Work from home20.2%of workers
Drive times from Saint Paul
- 16 minDowntown Minneapolis
- 3 minDowntown Saint Paul
- 16 minMSP Airport
- 20 minMall of America
- 15 minUniversity of Minnesota
Drive times: OSRM routing on OpenStreetMap data from the city's Census center point, light traffic. Rush hour takes longer.
Economy & jobs
Where do Saint Paul residents work?
The largest share of employed Saint Paul residents work in education, health care and social assistance (28.5%), followed by manufacturing (12.3%). The unemployment rate averaged 5.4% over 2020–2024 (Minnesota: 4.1%).
Census ACS 2020–2024, industry of employed residents 16 and older (C24050) and employment status (B23025).
- Education, health care and social assistance28.5%
- Manufacturing12.3%
- Professional, scientific and management services12.2%
- Retail trade9.3%
- Arts, entertainment, recreation, lodging and food8.9%
- Finance, insurance and real estate6.7%
City comparison
How does Saint Paul compare to Lilydale, West St. Paul and Mendota?
The three communities with the shortest drive from Saint Paul, side by side.
| Metric | Saint Paul | Lilydale | West St. Paul | Mendota |
|---|---|---|---|---|
| Population (2024) | 307,465 | 779 | 21,920 | 185 |
| Change since 2020 | -1.3% | -3.5% | +6.4% | -1.1% |
| Median home value | $295K | $405K | $301K | $320K |
| Median household income | $73K | $90K | $68K | $111K |
| Median gross rent | $1,281 | $2,362 | $1,282 | $875 |
| Homeowners | 52.9% | 56.2% | 57.2% | 77.3% |
| Median age | 33.7 | 74.7 | 39.8 | 39.8 |
| Average commute | 21.1 min | 18.2 min | 22.4 min | 21.1 min |
| Drive to downtown Minneapolis | 16 min | 21 min | 25 min | 20 min |
Census 2024 estimates and ACS 2020–2024; drive times from OpenStreetMap routing.
Cost of ownership
What will a Saint Paul home cost you each month?
Enter the numbers for a specific home. The price starts at Saint Paul's Census median home value; the interest rate, property tax and insurance are yours to fill in from a lender quote, the county's tax statement and an insurance quote. This is an illustration, not a loan estimate.
Selling in Saint Paul
What's required to sell a home in Saint Paul?
Truth-in-Sale of Housing (TISH). A licensed evaluator’s TISH report is required within three days of listing or advertising a home for sale.
- Applies to single-family homes, duplexes, condominiums and townhomes; buildings with three or more units are exempt.
- The report is for disclosure only. For single-family homes, the one required repair is a working hard-wired smoke alarm.
- A report is valid for 365 days and for one sale.
Source: City of Saint Paul. Confirm before you list; rules change.
Selling in Minnesota: every city's rules and the state disclosures · Estimate your net proceeds
Is Saint Paul right for you?
Who should buy a home in Saint Paul?
- Compare homes, not averages. Choose the space, layout and condition you need, and confirm it with an inspection.
- Try the drive. Test your commute at the times you'd actually travel.
- Check the schools for the address. St. Paul Public School District covers most of the city, but not all of it.
- Budget the whole payment. Include taxes, insurance, association dues and upkeep.
Planning a move
What should I verify before moving to Saint Paul?
- The property's current tax statement and homestead status from Ramsey County.
- Lender, insurance and utility quotes for the exact address, plus any association documents and special assessments.
- The seller's disclosures, including Minnesota's required radon and well disclosures.
- Whether the city requires a point-of-sale inspection or certificate (Minneapolis and Saint Paul, for example, require Truth-in-Sale-of-Housing reports).
- The school assignment for your enrollment year, confirmed with the district.
Local stories
What's happening in Saint Paul
Stories about Saint Paul: new development, parks, local businesses and the housing market.
Historic Homes in Saint Paul MN: What Buyers Need to Know
Historic homes in Saint Paul MN come with preservation rules, inspections, and upkeep costs. Learn what to review before you buy. Read our guide.
Living in Minneapolis on YouTube
Watch: Saint Paul on video
Jason's videos about Saint Paul: neighborhoods, homes and what living here is really like.
The Problem With Living in St. Paul Nobody Talks About…
St. Paul vs. Minneapolis Which Is Better For You
A Realistic Driving Tour of Downtown St. Paul, MN | 2026 Update
Iconic 1885 St. Paul Brownstone Is For Sale - You Have To See Inside!
Why This St. Paul Neighborhood Has Become So Irresistible
The Ranked Neighborhood in Minnesota Is in St. Paul
$1 Billion Development Is Transforming St. Paul, MN
St. Paul Has the Longest Victorian Street in All of America
St. Paul Almost Had the Worst City Name in America
This weekend's open houses
Can you tour Saint Paul homes this weekend?
Found a Saint Paul home you like? We'll set up a private showing, usually within a day or two, or tell you when it has an open house.
Saint Paul FAQ
What do Saint Paul buyers most often ask?
What is the median home value in Saint Paul?
The Census Bureau's 2020–2024 American Community Survey puts the median value of owner-occupied homes in Saint Paul at $294,500, 10% lower than the Ramsey County median (Ramsey County: $326,600). These are owner estimates; for current asking prices, see the Saint Paul homes for sale in our home search.
How many people live in Saint Paul, MN?
About 307,465 people, according to the Census Bureau's 2024 estimate. The city shrank by 1.3% between 2020 and 2024.
Which school district serves Saint Paul?
St. Paul Public School District (about 100% of the city). School assignment depends on the exact address, so confirm it with the district before you buy.
How far is Saint Paul from downtown Minneapolis?
About 16 minutes by car in light traffic, and about 3 minutes to downtown Saint Paul. Residents' average one-way commute is 21.1 minutes (Census ACS).
Is Saint Paul a good place to live?
It depends on what you need. Saint Paul has a median household income of $73,394, 52.9% homeownership and a 21.1-minute average commute. Visit at the times you'd normally drive, check the school assignment for the address, and compare total ownership costs before you decide.
What does it cost to rent in Saint Paul?
The median gross rent (rent plus utilities) is $1,281 a month, compared with $1,329 in Ramsey County (Census ACS 2020–2024).
What ZIP codes are in Saint Paul?
55106, 55119, 55104, 55116, 55107, 55117, 55105, 55102 and 55108 cover most of the city. ZIP code areas and city limits don't match exactly, so check the city on the property record.
What lakes are in Saint Paul?
The largest named lakes inside the city are Pigs Eye Lake (about 800 acres), Lake Phalen (about 154 acres), Crosby Lake (about 76 acres) and Lake Como (about 71 acres), based on Census water maps.
How long does it take to close on a home in Saint Paul?
Most financed purchases close about 30 to 45 days after an accepted offer, and cash purchases can close sooner. Your lender, the appraisal and the title company set the actual timeline.
Does Saint Paul require an inspection to sell a home?
Yes. A licensed evaluator’s TISH report is required within three days of listing or advertising a home for sale. (Truth-in-Sale of Housing (TISH).) Confirm current rules with the city before you list.
Client stories
What do Saint Paul clients say about Huerkamp Home Group?
5.0 stars from 841 Google reviews. These reviews mention Saint Paul, quoted word for word.
★★★★★
Roni Mugaki provided excellent and thoughtful assistance to help us find a home in Saint Paul while we were located out of state. He gave us helpful, thorough video chat tours of the homes we were interested in and was supportive throughout the home inspection and negotiating process. We are very happy with our new home and recommend Roni's services without reservations.
Why Huerkamp Home Group
Why work with Huerkamp Home Group?
2002Founded by Jason & Brooke Huerkamp
39Agents and staff
5.0Stars from 841 Google reviews
15+Years as a Ramsey ELP
Ready to make a move?
Want to talk to a Saint Paul real estate expert?
Tell us your area, budget, timing and must-haves. We'll share current listings and recent sales, and explain how we'd represent you before you decide anything.
Jason HuerkampFounder, Huerkamp Home GroupMN license 20329835(612) 843-962014300 Nicollet Ct, Ste 208, Burnsville, MN 55306
Explore nearby communities
Which communities are close to Saint Paul?
Drive times from Saint Paul in light traffic, with each community's Census median home value.
11 minLilydaleMedian home value $405KView Lilydale →12 minWest St. PaulMedian home value $301KView West St. Paul →12 minMendotaMedian home value $320KView Mendota →14 minMendota HeightsMedian home value $520KView Mendota Heights →