Saint Paul, MN · standard
ZIP Code 55103
Ramsey County, Minnesota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 12,991
- 2,404/sq mi High-density area
- $48,390
- Median income Below-median income area
- $257,500
- Median home value Near-median home value
- 28.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Saint Paul pairs one of the lowest household incomes in the country with above-median home values, in a suburban-density, mixed-tenure area.
- 12th pct
- household income, US ZIPs
- Top 41%
- home value, US ZIPs
- 2,404
- people per sq mi
- 42%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55103 against every reporting US ZIP.
ZIP code 55103 is a mid-sized community (a standard USPS delivery area) in Saint Paul, Ramsey County, Minnesota, home to 12,991 residents across 5.4 square miles, a density of 2,404 people per square mile, in the Chicago time zone.
ZIP 55103 reports a modest median household income of $48,390 (41% below the average Minnesota ZIP), while per-capita income is $27,118. The poverty rate is 24.8%, so the area-level income figures should not be treated as typical household experience. Median home value is $257,500 (1% above the average Minnesota ZIP) and median rent is $1,054; 41.7% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 28.2% of adults hold a bachelor's degree or higher, the median age is 33, and the average commute is 21 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Ramsey County, so 55103 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 55103
Top 5 sectors by establishment count in Saint Paul, MN
Which industries have the most business establishments in ZIP 55103.
- Health care and social assistance
Health care and social assistance
87 establishments
- Other services (except public administration)
Other services (except public administration)
77 establishments
- Accommodation and food services
Accommodation and food services
40 establishments
- Retail trade 32
Retail trade
32 establishments
- Professional, scientific, and technical services 27
Professional, scientific, and technical services
27 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 55103, Saint Paul, MN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
12,991
Population
5.4
Area (sq mi)
2,404
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 55103?
33.0
Median Age
50.5%
Male
49.5%
Female
23.4%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$48,390
Median Household Income
-41% vs state ZIP avg
$27,118
Per Capita Income
24.8%
Poverty Rate
4.8%
Unemployment Rate
21.3 min
Mean Commute Time
How ZIP 55103 ranks among Minnesota ZIPs
Saint Paul, MN household income vs. every Minnesota ZIP code
Median household income among 864 reporting Minnesota ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$48,390 2nd percentile higher than 2% of 864 Minnesota ZIPs
Each bar is a $20K-wide band; taller bars hold more Minnesota ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
5,790housing units
5,790
Total Housing Units
5,424
Occupied Units
366
Vacant Units
2.38
Avg Household Size
Occupancy Type
$257,500
Median Home Value
+1% vs state ZIP avg
$1,054
Median Rent
1960
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
-0.6%
YoY Change (2024)
216
HPI Index (2000 = 100)
+116%
Total Change Since 2000
Home values in ZIP 55103 have decreased 0.6% over the past year (2024). Since 2000, this ZIP has seen +116% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.8% | 176 |
| 2021 | +8.1% | 190 |
| 2022 | +9.6% | 209 |
| 2023 | +4.2% | 218 |
| 2024 | -0.6% | 216 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 343 business establishments in ZIP 55103, employing approximately 7,616 people with a combined annual payroll of $399,630,000.
343
Businesses
7,616
Employees
$399.6M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 87 | 25.4% |
| Other services (except public administration) | 77 | 22.4% |
| Accommodation and food services | 40 | 11.7% |
| Retail trade | 32 | 9.3% |
| Professional, scientific, and technical services | 27 | 7.9% |
| Administrative and support and waste management and remediation services | 14 | 4.1% |
| Construction | 10 | 2.9% |
| Transportation and warehousing | 10 | 2.9% |
| Educational services | 10 | 2.9% |
| Manufacturing | 9 | 2.6% |
| Finance and insurance | 8 | 2.3% |
| Real estate and rental and leasing | 6 | 1.8% |
| Wholesale trade | 5 | 1.5% |
| Management of companies and enterprises | 4 | 1.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 55103 vs 55102 →
ZIP 55103 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55106
Saint Paul (55106)
52,730 residents
- 55104
Saint Paul (55104)
43,248 residents
- 55117
Saint Paul (55117)
41,649 residents
- 55105
Saint Paul (55105)
28,455 residents
- 55102 18,207
Saint Paul (55102)
18,207 residents
- 55130 17,575
Saint Paul (55130)
17,575 residents
- 55108 14,688
Saint Paul (55108)
14,688 residents
- 55103 12,991
Saint Paul (55103)
12,991 residents
- 55101 5,592
Saint Paul (55101)
5,592 residents
What this shows Among its immediate neighbors, ZIP 55103 ranks #8 by population - useful context the national average alone can't give.
ZIP 55103 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55105
Saint Paul (55105)
$107,248 median income
- 55108
Saint Paul (55108)
$86,308 median income
- 55102
Saint Paul (55102)
$76,406 median income
- 55104
Saint Paul (55104)
$75,712 median income
- 55117
Saint Paul (55117)
$70,771 median income
- 55106
Saint Paul (55106)
$70,187 median income
- 55101
Saint Paul (55101)
$64,863 median income
- 55114
Saint Paul (55114)
$62,766 median income
- 55130
Saint Paul (55130)
$54,130 median income
What this shows By household income, ZIP 55103 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 55102 | Saint Paul, MN | 18,207 | 2.2 mi |
| 55101 | Saint Paul, MN | 5,592 | 1.9 mi |
| 55104 | Saint Paul, MN | 43,248 | 2.0 mi |
| 55155 | Saint Paul, MN | 0 | 2.1 mi |
| 55130 | Saint Paul, MN | 17,575 | 2.1 mi |
| 55117 | Saint Paul, MN | 41,649 | 2.8 mi |
| 55108 | Saint Paul, MN | 14,688 | 2.7 mi |
| 55114 | Saint Paul, MN | 3,100 | 3.4 mi |
| 55105 | Saint Paul, MN | 28,455 | 3.0 mi |
| 55106 | Saint Paul, MN | 52,730 | 3.7 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 55103, both outside MN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (12,991 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Ramsey County
Related Areas
Frequently Asked Questions
What county is ZIP code 55103 in?
ZIP code 55103 (Saint Paul) is located in Ramsey County, Minnesota. Ramsey County contains multiple ZIP codes, see the full list at /counties/ramsey-mn.
What is the population of ZIP code 55103?
ZIP code 55103 in Saint Paul, MN has a population of 12,991 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55103?
The median household income in ZIP 55103 is $48,390, which is 37% below the national average of $76,288.
What is the average home value in ZIP 55103?
The median home value in ZIP 55103 is $257,500, which is 7% below the national average of $278,155.
What is the demographic makeup of ZIP 55103?
The largest racial group in ZIP 55103 is African American at 33.8%. Hispanic or Latino residents make up 10.2% of the population.
How many businesses are in ZIP code 55103?
ZIP code 55103 has 343 business establishments employing approximately 7,616 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55103?
The top industries by establishment count in ZIP 55103 are: Health care and social assistance (87), Other services (except public administration) (77), Accommodation and food services (40). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 55103?
According to the FHFA House Price Index, home values in ZIP 55103 decreased by 0.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 116%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 55103?
In ZIP code 55103, 50.5% of residents aged 25+ have a high school diploma or higher, and 28.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 55103?
The mean commute time for workers in ZIP code 55103 is 21.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 55103?
In ZIP code 55103, approximately 41.7% of occupied housing units are owner-occupied and 58.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55103?
The poverty rate in ZIP code 55103 is 24.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 55103's numbers, next.
- See how ZIP 55103 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Saint Paul, MN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.