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 High-density area
- $116,346
- Median income Above-median income area
- $515,600
- Median home value Above-median home value
- 57.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 55120 (Saint Paul, MN) rose +4.1% from 2023 to 2024. The all-transactions index moved from 205.8 in 2023 to 214.2 in 2024 (2000 = 100).
ZIP code 55120 covers 13.8 square miles in Saint Paul, Dakota County, Minnesota (a standard USPS delivery area), with a modest 4,352 residents on file, a density of 314 people per square mile, in the Chicago time zone.
ZIP 55120 skews affluent, with a median household income of $116,346 (42% above the average Minnesota ZIP), while per-capita income is $64,902. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.1% and unemployment is 0.6%. Housing is both higher-cost and owner-heavy: median home value is $515,600 (102% above the average Minnesota ZIP), while 61.3% of occupied homes are owner-occupied and median rent is $1,628.
This is a highly-educated ZIP: 57.6% of adults hold a bachelor's degree or higher, the median age is 41, and the average commute is -. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Dakota County, so 55120 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 55120
Top 5 sectors by establishment count in Saint Paul, MN
Which industries have the most business establishments in ZIP 55120.
- Professional, scientific, and technical services
Professional, scientific, and technical services
64 establishments
- Finance and insurance
Finance and insurance
59 establishments
- Health care and social assistance
Health care and social assistance
47 establishments
- Wholesale trade
Wholesale trade
42 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation 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 55120, 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
4,352
Population
13.8
Area (sq mi)
314
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 55120?
41.0
Median Age
48.0%
Male
52.0%
Female
7.9%
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?
$116,346
Median Household Income
+42% vs state ZIP avg
$64,902
Per Capita Income
3.1%
Poverty Rate
0.6%
Unemployment Rate
How ZIP 55120 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)
$116,346 Top 8% higher than 92% 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
2,116housing units
2,116
Total Housing Units
2,102
Occupied Units
14
Vacant Units
2.38
Avg Household Size
Occupancy Type
$515,600
Median Home Value
+102% vs state ZIP avg
$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.
- 55104
Saint Paul (55104)
43,248 residents
- 55105
Saint Paul (55105)
28,455 residents
- 55118
Saint Paul (55118)
27,548 residents
- 55123
Saint Paul (55123)
26,030 residents
- 55116
Saint Paul (55116)
23,851 residents
- 55102
Saint Paul (55102)
18,207 residents
- 55121 7,861
Saint Paul (55121)
7,861 residents
- 55120 4,352
Saint Paul (55120)
4,352 residents
- 55150 198
Mendota (55150)
198 residents
What this shows Among its immediate neighbors, ZIP 55120 ranks #8 by population - useful context the national average alone can't give.
ZIP 55120 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55123
Saint Paul (55123)
$139,215 median income
- 55120
Saint Paul (55120)
$116,346 median income
- 55150
Mendota (55150)
$111,250 median income
- 55105
Saint Paul (55105)
$107,248 median income
- 55118
Saint Paul (55118)
$87,340 median income
- 55121
Saint Paul (55121)
$87,152 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
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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 55120, 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 (4,352 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Dakota County
Related Areas
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.
Related
Take this with you
What to do with ZIP 55120's numbers, next.
- See how ZIP 55120 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.