PlainZIP

Saint Paul, MN · standard

ZIP Code 55120

Dakota County, Minnesota — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

4,352
314/sq mi
$116,346
Median income
$515,600
Median home value
57.6%
Bachelor's or higher

The verdict

Saint Paul pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 11%
household income, US ZIPs
Top 12%
home value, US ZIPs
314
people per sq mi
61%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55120 against every reporting US ZIP.

ZIP code 55120 is classified by USPS as a standard delivery area and covers roughly 13.8 square miles in Saint Paul, Dakota County, Minnesota. The area is home to 4,352 residents, producing a population density of 314 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 55120 against Minnesota and the nation.

On the economic side, the median household income for ZIP 55120 sits at $116,346 (42% above the Minnesota average), while per-capita income is $64,902. The poverty rate stands at 3.1% and the unemployment rate at 0.6%. On housing, the median home value is $515,600 (102% above the state average) with median rent at $1,628 per month, and 61.3% of occupied units are owner-occupied, a direct signal of whether 55120 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 57.6% of adults hold a bachelor's degree or higher, the median age is 41, and the average commute is —. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Dakota County, so you can benchmark 55120 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 55120

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 55120.

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 · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 55120, Saint Paul, MN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

4,352

Population

13.8

Area (sq mi)

314

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 55120?

41.0

Median Age

48.0%

Male

52.0%

Female

7.9%

Foreign-Born

White 70.5%
African American 1.4%
Asian 7.3%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 19.2%
Hispanic or Latino 4.6%

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?

$116,346

Median Household Income

+42% vs state

$64,902

Per Capita Income

3.1%

Poverty Rate

0.6%

Unemployment Rate

How ZIP 55120 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$116,346 Top 11% higher than 89% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 66.8%
Bachelor's Degree or Higher 57.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,116

Total Housing Units

2,102

Occupied Units

14

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 61.3%
Renter 38.7%

$515,600

Median Home Value

+102% vs state

$1,628

Median Rent

1990

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

+4.1%

YoY Change (2024)

214

HPI Index (2000 = 100)

+114%

Total Change Since 2000

Home values in ZIP 55120 have increased 4.1% over the past year (2024). Since 2000, this ZIP has seen +114% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.2% 169
2021 +9.3% 185
2022 +8.8% 201
2023 +2.5% 206
2024 +4.1% 214

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 398 business establishments in ZIP 55120, employing approximately 13,061 people with a combined annual payroll of $1,078,191,000.

398

Businesses

13,061

Employees

$1.1B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 64 16.1%
Finance and insurance 59 14.8%
Health care and social assistance 47 11.8%
Wholesale trade 42 10.6%
Administrative and support and waste management and remediation services 27 6.8%
Construction 25 6.3%
Other services (except public administration) 25 6.3%
Transportation and warehousing 18 4.5%
Retail trade 16 4.0%
Management of companies and enterprises 16 4.0%
Accommodation and food services 14 3.5%
Real estate and rental and leasing 13 3.3%
Manufacturing 11 2.8%
Educational services 9 2.3%
Arts, entertainment, and recreation 7 1.8%
Information 5 1.3%

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 55120 vs 55150 →

ZIP 55120 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 55120 ranks #8 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 55120 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 55120 ranks #2 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
55150 Mendota, MN 198 1.2 mi
55121 Saint Paul, MN 7,861 1.8 mi
55111 Saint Paul, MN 0 2.5 mi
55116 Saint Paul, MN 23,851 2.8 mi
55118 Saint Paul, MN 27,548 2.8 mi
55123 Saint Paul, MN 26,030 4.7 mi
55105 Saint Paul, MN 28,455 4.4 mi
55450 Minneapolis, MN 10 3.8 mi
55102 Saint Paul, MN 18,207 4.3 mi
55104 Saint Paul, MN 43,248 5.7 mi

More ZIP Codes in Dakota County

55124 standard
Saint Paul, MN
Pop: 49,084
55044 standard
Lakeville, MN
Pop: 47,218
55337 standard
Burnsville, MN
Pop: 44,356
55024 standard
Farmington, MN
Pop: 32,406
55122 standard
Saint Paul, MN
Pop: 30,346
55033 standard
Hastings, MN
Pop: 29,488

Related Areas

Dakota County Saint Paul, MN Minnesota

Frequently Asked Questions

What county is ZIP code 55120 in? ▼
ZIP code 55120 (Saint Paul) is located in Dakota County, Minnesota. Dakota County contains multiple ZIP codes, see the full list at /counties/dakota-mn.
What is the population of ZIP code 55120? ▼
ZIP code 55120 in Saint Paul, MN has a population of 4,352 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55120? ▼
The median household income in ZIP 55120 is $116,346, which is 53% above the national average of $76,288.
What is the average home value in ZIP 55120? ▼
The median home value in ZIP 55120 is $515,600, which is 85% above the national average of $278,155.
What is the demographic makeup of ZIP 55120? ▼
The largest racial group in ZIP 55120 is White at 70.5%. Hispanic or Latino residents make up 4.6% of the population.
How many businesses are in ZIP code 55120? ▼
ZIP code 55120 has 398 business establishments employing approximately 13,061 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55120? ▼
The top industries by establishment count in ZIP 55120 are: Professional, scientific, and technical services (64), Finance and insurance (59), Health care and social assistance (47). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 55120? ▼
According to the FHFA House Price Index, home values in ZIP 55120 increased by 4.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 114%. 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 55120? ▼
In ZIP code 55120, 66.8% of residents aged 25+ have a high school diploma or higher, and 57.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 55120? ▼
In ZIP code 55120, approximately 61.3% of occupied housing units are owner-occupied and 38.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55120? ▼
The poverty rate in ZIP code 55120 is 3.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Saint Paul, MN

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.