Real Estate Investing in South Saint Paul, Minnesota (55075)
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Should you buy in 55075 (South Saint Paul, MN)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in South Saint Paul, MN (55075)?
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Market Analysis: 55075 South Saint Paul
ZIP 55075 in South Saint Paul, MN carries a substantial set of headwinds. Home values near $305K and rents of $1,489/mo sit inside a market where underwriting has to be tight.
The investment case in 55075 is notable only for operators who understand what they are buying. A $305K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Nearby ZIPs in South Saint Paul have seen price recovery that 55075 has not matched. Dakota County data supports the view that the spread is structural rather than temporary.
Who lives in 55075 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
New investors are better served looking at South Saint Paul's stable or hybrid ZIPs before stepping into 55075. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in South Saint Paul:
Property Strategy for 55075
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $181,575 | $1,250 | 5.0% | +3.9% | $181,575 |
| 2BR | $247,661 | $1,520 | 4.4% | +4.6% | $123,831 |
| 3BR | $290,817 | $2,020 | 5.0% | +4.8% | $96,939 |
| 4BR | $328,690 | $2,270 | 5.0% | +4.5% | $82,172 |
| 5BR | $367,944 | — | — | +4.4% | $73,589 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 55075 Compare?
| Metric | 55075 | South Saint Paul | Minnesota |
|---|---|---|---|
| Home Value | $304,890 | $304,890 | $340,597 |
| 5-Year CAGR | 3.1% | 3.1% | 4.9% |
| Avg Rent | $1,489 | $1,489 | - |
| Cap Rate | 3.8% | 3.8% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55075 (South Saint Paul, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $304,890 |
| Monthly Rent | $1,489 |
| Price-to-Rent | 17.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.9% |
| Cap Rate | 3.8% |
| 5-Year IRR | 6.9% |
📈 Home Appreciation
| 1-Year | +6.1% ▲ |
| 3-Year CAGR | +3.3% ▲ |
| 5-Year CAGR | +3.1% ▲ |
| 10-Year CAGR | +5.9% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 55075
Population: 20,651
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 55075
Schools in This ZIP Code
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
NEWPORT ELEMENTARY
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 5,220 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What are rental rates like in South Saint Paul, MN?
Rents in South Saint Paul, MN run near $1,489/mo. Compared with median home prices of $305K that produces solid gross yields for typical rentals.
How should investors approach South Saint Paul, MN?
A careful cash-flow rentals with hands-on management strategy South Saint Paul, MN best. The market produces even-keeled results for that approach at the $305K price point.
Is South Saint Paul, MN a smart market for rental property?
South Saint Paul, MN clocks in at an investability rating of 3.0/5, with median home values near $305K and average rents around $1,489/mo. That combination puts it in the notable tier for investor interest.
What does house hacking look like in South Saint Paul, MN?
House hacking in South Saint Paul, MN is reasonable to execute. Prices around $305K and rents of $1,489/mo solid owner-occupant economics.
Is vacancy a concern in South Saint Paul, MN?
Occupancy in South Saint Paul, MN runs reliable with elevated vacancy. Well-priced units at $1,489/mo lease on reasonable timelines.
You know 55075 now. You don’t know where it ranks.
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How 55075 ranks in Minneapolis-St. Paul-Bloomington, MN-WI
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