The median home in Saint Paul, Minnesota is valued at $283,444, up 0.6% year over year. Typical monthly rent is $1,481, producing a price-to-rent ratio of 15.9x — near the national average of 18x. Saint Paul is part of the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$283,444

+0.6%

Rent$1,481/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$56,689 on $283,444

Example: $75,000 household income. Change it above to see your own.

Stretch29.6% of income

Above 28% but manageable with cuts.

PITI$1,848

P/I29.6%

Afford$268K

Gap-$15K

P&I $1,433Tax $265Ins $150

Renting $367/mo cheaper ($1,481 rent)6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Minnesota

Compare Saint Paul with other housing markets across Minnesota.

Minnetonka Beach$2.22M Woodland$1.62M Greenwood$1.6M Sunfish Lake$1.16M Orono$1.08M Medicine Lake$1.08M Tonka Bay$1.06M Deephaven$1.02M

Full Minneapolis-St. Paul-Bloomington, MN-WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Minneapolis-St. Paul-Bloomington, MN-WI metro.

View Minneapolis-St. Paul-Bloomington, MN-WI metro

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Saint Paul, MN