Saint Paul, MN · standard
ZIP Code 55109
Ramsey County, Minnesota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 31,444
- 1,038/sq mi High-density area
- $86,776
- Median income Above-median income area
- $315,600
- Median home value Above-median home value
- 31.1%
- 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 low-density, homeowner-dominated area.
- Top 30%
- household income, US ZIPs
- Top 31%
- home value, US ZIPs
- 1,038
- people per sq mi
- 66%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55109 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 55109 (Saint Paul, MN) rose +2.4% from 2023 to 2024. The all-transactions index moved from 212.5 in 2023 to 217.5 in 2024 (2000 = 100).
ZIP code 55109 is a densely settled ZIP (a standard USPS delivery area) in Saint Paul, Ramsey County, Minnesota, with 31,444 residents across 30.3 square miles, a density of 1,038 people per square mile, in the Chicago time zone.
ZIP 55109 lands in the middle-income range, with a median household income of $86,776 (6% above the average Minnesota ZIP), while per-capita income is $41,089. The poverty rate is 10.0%, with unemployment at 3.5%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $315,600 (23% above the average Minnesota ZIP), while 65.7% of occupied homes are owner-occupied and median rent is $1,369.
A solid share of residents have a four-year degree: 31.1% of adults hold a bachelor's degree or higher, the median age is 38.1, and the average commute is 22 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Ramsey County, so 55109 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 55109
Top 5 sectors by establishment count in Saint Paul, MN
Which industries have the most business establishments in ZIP 55109.
- Health care and social assistance
Health care and social assistance
210 establishments
- Retail trade
Retail trade
174 establishments
- Accommodation and food services
Accommodation and food services
103 establishments
- Other services (except public administration)
Other services (except public administration)
91 establishments
- Construction 69
Construction
69 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 55109, 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
31,444
Population
30.3
Area (sq mi)
1,038
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 55109?
38.1
Median Age
48.8%
Male
51.2%
Female
16.5%
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?
$86,776
Median Household Income
+6% vs state ZIP avg
$41,089
Per Capita Income
10.0%
Poverty Rate
3.5%
Unemployment Rate
22.0 min
Mean Commute Time
How ZIP 55109 ranks nationally
Saint Paul, MN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$86,776 Top 30% higher than 70% 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
13,454housing units
13,454
Total Housing Units
12,651
Occupied Units
803
Vacant Units
2.59
Avg Household Size
Occupancy Type
$315,600
Median Home Value
+23% vs state ZIP avg
$1,369
Median Rent
1976
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
+2.4%
YoY Change (2024)
217
HPI Index (2000 = 100)
+117%
Total Change Since 2000
Home values in ZIP 55109 have increased 2.4% over the past year (2024). Since 2000, this ZIP has seen +117% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.5% | 165 |
| 2021 | +9.6% | 180 |
| 2022 | +11.0% | 200 |
| 2023 | +6.1% | 212 |
| 2024 | +2.4% | 217 |
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 956 business establishments in ZIP 55109, employing approximately 16,842 people with a combined annual payroll of $815,447,000.
956
Businesses
16,842
Employees
$815.4M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 210 | 22.0% |
| Retail trade | 174 | 18.2% |
| Accommodation and food services | 103 | 10.8% |
| Other services (except public administration) | 91 | 9.5% |
| Construction | 69 | 7.2% |
| Professional, scientific, and technical services | 61 | 6.4% |
| Finance and insurance | 52 | 5.4% |
| Real estate and rental and leasing | 37 | 3.9% |
| Administrative and support and waste management and remediation services | 36 | 3.8% |
| Wholesale trade | 30 | 3.1% |
| Manufacturing | 23 | 2.4% |
| Arts, entertainment, and recreation | 22 | 2.3% |
| Transportation and warehousing | 17 | 1.8% |
| Information | 13 | 1.4% |
| Educational services | 11 | 1.1% |
| Management of companies and enterprises | 5 | 0.5% |
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 55109 vs 55106 →
ZIP 55109 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
- 55117
Saint Paul (55117)
41,649 residents
- 55119
Saint Paul (55119)
38,966 residents
- 55110
Saint Paul (55110)
37,759 residents
- 55109
Saint Paul (55109)
31,444 residents
- 55128
Saint Paul (55128)
28,113 residents
- 55130 17,575
Saint Paul (55130)
17,575 residents
- 55127 16,782
Saint Paul (55127)
16,782 residents
- 55115 8,607
Saint Paul (55115)
8,607 residents
What this shows Among its immediate neighbors, ZIP 55109 ranks #5 by population - useful context the national average alone can't give.
ZIP 55109 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55115
Saint Paul (55115)
$124,234 median income
- 55127
Saint Paul (55127)
$117,917 median income
- 55110
Saint Paul (55110)
$101,296 median income
- 55128
Saint Paul (55128)
$93,210 median income
- 55109
Saint Paul (55109)
$86,776 median income
- 55090
Willernie (55090)
$85,119 median income
- 55119
Saint Paul (55119)
$81,865 median income
- 55117
Saint Paul (55117)
$70,771 median income
- 55106
Saint Paul (55106)
$70,187 median income
What this shows By household income, ZIP 55109 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 55106 | Saint Paul, MN | 52,730 | 3.7 mi |
| 55117 | Saint Paul, MN | 41,649 | 3.6 mi |
| 55128 | Saint Paul, MN | 28,113 | 3.6 mi |
| 55119 | Saint Paul, MN | 38,966 | 5.4 mi |
| 55110 | Saint Paul, MN | 37,759 | 5.3 mi |
| 55130 | Saint Paul, MN | 17,575 | 4.0 mi |
| 55090 | Willernie, MN | 401 | 4.3 mi |
| 55155 | Saint Paul, MN | 0 | 4.9 mi |
| 55115 | Saint Paul, MN | 8,607 | 5.1 mi |
| 55127 | Saint Paul, MN | 16,782 | 5.5 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 55109, 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 (31,444 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 55109 in?
ZIP code 55109 (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 55109?
ZIP code 55109 in Saint Paul, MN has a population of 31,444 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55109?
The median household income in ZIP 55109 is $86,776, which is 14% above the national average of $76,288.
What is the average home value in ZIP 55109?
The median home value in ZIP 55109 is $315,600, which is 13% above the national average of $278,155.
What is the demographic makeup of ZIP 55109?
The largest racial group in ZIP 55109 is White at 54.3%. Hispanic or Latino residents make up 5.2% of the population.
How many businesses are in ZIP code 55109?
ZIP code 55109 has 956 business establishments employing approximately 16,842 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55109?
The top industries by establishment count in ZIP 55109 are: Health care and social assistance (210), Retail trade (174), Accommodation and food services (103). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 55109?
According to the FHFA House Price Index, home values in ZIP 55109 increased by 2.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 117%. 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 55109?
In ZIP code 55109, 57.5% of residents aged 25+ have a high school diploma or higher, and 31.1% 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 55109?
The mean commute time for workers in ZIP code 55109 is 22.0 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 55109?
In ZIP code 55109, approximately 65.7% of occupied housing units are owner-occupied and 34.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55109?
The poverty rate in ZIP code 55109 is 10.0% 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 55109's numbers, next.
- See how ZIP 55109 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.