Real Estate Investing in Saint Paul, Minnesota (55107)
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Should you buy in 55107 (Saint Paul, MN)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
No major risk flags on the data we track.
What’s happening in Saint Paul, MN (55107)?
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Market Analysis: 55107 Saint Paul
This part of Ramsey County is not an easy win. The 55107 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Stepping back, the numbers look inviting — $273K purchase price, 0.0% nominal cap — the work to hit that pro forma in 55107 is substantial and deserves full respect.
Nearby ZIPs in Saint Paul have seen price recovery that 55107 has not matched. Ramsey County data supports the view that the spread is structural rather than temporary.
Employment concentration in 55107 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategy in 55107 is an operator game, not a passive one. From a cash-flow lens, entry prices of $273K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Saint Paul:
Property Strategy for 55107
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $170,455 | $1,320 | 5.6% | +4.6% | $170,455 |
| 2BR | $224,361 | $1,600 | 5.1% | +3.8% | $112,180 |
| 3BR | $264,206 | $2,120 | 5.8% | +3.5% | $88,069 |
| 4BR | $301,136 | $2,370 | 5.7% | +3.5% | $75,284 |
| 5BR | $325,851 | — | — | +3.4% | $65,170 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 55107 Compare?
| Metric | 55107 | Saint Paul | Minnesota |
|---|---|---|---|
| Home Value | $272,851 | $262,186 | $340,597 |
| 5-Year CAGR | 1.8% | 1.7% | 4.9% |
| Avg Rent | $1,531 | $1,440 | - |
| Cap Rate | 4.4% | 3.9% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55107 (Saint Paul, MN). Anonymous, moderated, never written by AI.
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Property managers serving Ramsey County
Manage rentals here? List your business →Property Care provides HOA Management services. summary from their website
Simply Residential Property Management offers expert management of single-family, condominiums, and multi-family dwellings throughout the Twin Cities. summary from their website
Spire Community Management provides HOA management services in Minnesota, with a local phone number for the state. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $272,851 |
| Monthly Rent | $1,531 |
| Price-to-Rent | 14.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.7% |
| Cap Rate | 4.4% |
| 5-Year IRR | 6.2% |
📈 Home Appreciation
| 1-Year | +5.0% ▲ |
| 3-Year CAGR | +2.2% ▲ |
| 5-Year CAGR | +1.8% ▲ |
| 10-Year CAGR | +5.5% ▲ |
🏠 Rent Trends
| 1-Year | -4.2% ▼ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.4%). 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 55107
Population: 15,533
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 55107
Schools in This ZIP Code
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 3,974 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What investment strategy works best in Saint Paul, MN?
Saint Paul, MN investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($273K prices, $1,531/mo rents) make it a reasonable choice.
Should investors worry about vacancy in Saint Paul, MN?
Occupancy in Saint Paul, MN runs predictable with elevated vacancy. Well-priced units at $1,531/mo lease on reasonable timelines.
How much is rent in Saint Paul, MN?
Expect rents around $1,531/mo per month in Saint Paul, MN. With home values at $273K, the yield math works out to reasonable levels for rental investors.
Is Saint Paul, MN good for house hacking?
For house hackers, Saint Paul, MN is a challenging. The $1,531/mo rent on a unit helps defray the mortgage on a $273K property.
What is the typical renter like in Saint Paul, MN?
Working renters make up the core of the Saint Paul, MN tenant base. The pool is reasonable for investors targeting long-term holds.
You know 55107 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 55107 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 55107 ranks in Minneapolis-St. Paul-Bloomington, MN-WI
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