Saint Paul, MN · standard
ZIP Code 55104
Ramsey County, Minnesota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 43,248
- 2,757/sq mi High-density area
- $75,712
- Median income Near-median income area
- $317,700
- Median home value Above-median home value
- 52.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Saint Paul pairs an above-median household income with above-median home values, in a suburban-density, mixed-tenure area.
- Top 44%
- household income, US ZIPs
- Top 31%
- home value, US ZIPs
- 2,757
- people per sq mi
- 53%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55104 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 55104 (Saint Paul, MN) rose +4.4% from 2023 to 2024. The all-transactions index moved from 215.8 in 2023 to 225.2 in 2024 (2000 = 100).
ZIP code 55104 is a densely settled ZIP (a standard USPS delivery area) in Saint Paul, Ramsey County, Minnesota, with 43,248 residents across 15.7 square miles, a density of 2,757 people per square mile, in the Chicago time zone.
ZIP 55104 lands in the middle-income range, with a median household income of $75,712 (8% below the average Minnesota ZIP), while per-capita income is $44,568. The poverty rate is 16.3%, with unemployment at 6.9%; those measures add context to the income figure. Median home value is $317,700 (24% above the average Minnesota ZIP) and median rent is $1,199; 53.1% of occupied homes are owner-occupied.
This is a highly-educated ZIP: 52.7% of adults hold a bachelor's degree or higher, the median age is 33.4, 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 55104 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 55104
Top 5 sectors by establishment count in Saint Paul, MN
Which industries have the most business establishments in ZIP 55104.
- Health care and social assistance
Health care and social assistance
313 establishments
- Other services (except public administration)
Other services (except public administration)
157 establishments
- Professional, scientific, and technical services 124
Professional, scientific, and technical services
124 establishments
- Retail trade 123
Retail trade
123 establishments
- Accommodation and food services 105
Accommodation and food services
105 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 55104, 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
43,248
Population
15.7
Area (sq mi)
2,757
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 55104?
33.4
Median Age
48.2%
Male
51.8%
Female
12.8%
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?
$75,712
Median Household Income
-8% vs state ZIP avg
$44,568
Per Capita Income
16.3%
Poverty Rate
6.9%
Unemployment Rate
21.0 min
Mean Commute Time
How ZIP 55104 ranks nationally
Saint Paul, MN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$75,712 Top 44% higher than 56% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US 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
20,697housing units
20,697
Total Housing Units
19,059
Occupied Units
1,638
Vacant Units
2.30
Avg Household Size
Occupancy Type
$317,700
Median Home Value
+24% vs state ZIP avg
$1,199
Median Rent
1938
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
+4.4%
YoY Change (2024)
225
HPI Index (2000 = 100)
+125%
Total Change Since 2000
Home values in ZIP 55104 have increased 4.4% over the past year (2024). Since 2000, this ZIP has seen +125% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.2% | 185 |
| 2021 | +6.6% | 198 |
| 2022 | +8.9% | 215 |
| 2023 | +0.3% | 216 |
| 2024 | +4.4% | 225 |
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 1,191 business establishments in ZIP 55104, employing approximately 21,496 people with a combined annual payroll of $906,341,000.
1,191
Businesses
21,496
Employees
$906.3M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 313 | 26.3% |
| Other services (except public administration) | 157 | 13.2% |
| Professional, scientific, and technical services | 124 | 10.4% |
| Retail trade | 123 | 10.3% |
| Accommodation and food services | 105 | 8.8% |
| Construction | 68 | 5.7% |
| Real estate and rental and leasing | 41 | 3.4% |
| Administrative and support and waste management and remediation services | 41 | 3.4% |
| Arts, entertainment, and recreation | 36 | 3.0% |
| Manufacturing | 35 | 2.9% |
| Finance and insurance | 34 | 2.9% |
| Wholesale trade | 31 | 2.6% |
| Educational services | 30 | 2.5% |
| Transportation and warehousing | 26 | 2.2% |
| Information | 20 | 1.7% |
| Management of companies and enterprises | 7 | 0.6% |
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 55104 vs 55105 →
ZIP 55104 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55104
Saint Paul (55104)
43,248 residents
- 55113
Saint Paul (55113)
38,994 residents
- 55406
Minneapolis (55406)
32,112 residents
- 55105
Saint Paul (55105)
28,455 residents
- 55116
Saint Paul (55116)
23,851 residents
- 55102
Saint Paul (55102)
18,207 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 55104 ranks the most populous - useful context the national average alone can't give.
ZIP 55104 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55150
Mendota (55150)
$111,250 median income
- 55105
Saint Paul (55105)
$107,248 median income
- 55406
Minneapolis (55406)
$93,910 median income
- 55113
Saint Paul (55113)
$86,792 median income
- 55108
Saint Paul (55108)
$86,308 median income
- 55116
Saint Paul (55116)
$81,141 median income
- 55102
Saint Paul (55102)
$76,406 median income
- 55104
Saint Paul (55104)
$75,712 median income
- 55101
Saint Paul (55101)
$64,863 median income
What this shows By household income, ZIP 55104 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 55105 | Saint Paul, MN | 28,455 | 1.4 mi |
| 55108 | Saint Paul, MN | 14,688 | 1.9 mi |
| 55114 | Saint Paul, MN | 3,100 | 1.8 mi |
| 55103 | Saint Paul, MN | 12,991 | 2.0 mi |
| 55116 | Saint Paul, MN | 23,851 | 3.1 mi |
| 55102 | Saint Paul, MN | 18,207 | 2.5 mi |
| 55113 | Saint Paul, MN | 38,994 | 4.1 mi |
| 55150 | Mendota, MN | 198 | 4.7 mi |
| 55406 | Minneapolis, MN | 32,112 | 3.1 mi |
| 55101 | Saint Paul, MN | 5,592 | 3.5 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 55104, 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 (43,248 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 55104 in?
ZIP code 55104 (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 55104?
ZIP code 55104 in Saint Paul, MN has a population of 43,248 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55104?
The median household income in ZIP 55104 is $75,712, which is 1% below the national average of $76,288.
What is the average home value in ZIP 55104?
The median home value in ZIP 55104 is $317,700, which is 14% above the national average of $278,155.
What is the demographic makeup of ZIP 55104?
The largest racial group in ZIP 55104 is White at 60.4%. Hispanic or Latino residents make up 6.8% of the population.
How many businesses are in ZIP code 55104?
ZIP code 55104 has 1,191 business establishments employing approximately 21,496 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55104?
The top industries by establishment count in ZIP 55104 are: Health care and social assistance (313), Other services (except public administration) (157), Professional, scientific, and technical services (124). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 55104?
According to the FHFA House Price Index, home values in ZIP 55104 increased by 4.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 125%. 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 55104?
In ZIP code 55104, 68.6% of residents aged 25+ have a high school diploma or higher, and 52.7% 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 55104?
The mean commute time for workers in ZIP code 55104 is 21.0 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 55104?
In ZIP code 55104, approximately 53.1% of occupied housing units are owner-occupied and 46.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55104?
The poverty rate in ZIP code 55104 is 16.3% 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 55104's numbers, next.
- See how ZIP 55104 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
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.