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City · 12,570 residents · Ramsey County, Minnesota

North St. Paul , Minnesota

In North St. Paul, a typical home is worth $298,500 and typical rent is $1,352 a month. Compared with all of Ramsey County, the typical home value is 9% lower and the share of households that own their home is 8 points higher.

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  • Typical home value

    $298,500

    9% below the county

    9% below Minnesota

    • North St. Paul
    • Ramsey
    • Minnesota

  • Typical rent

    $1,352a month

    About the same as the county

    6% above Minnesota

    • North St. Paul
    • Ramsey
    • Minnesota

  • Typical household income

    $84,797a year

    4% above the county

    5% below Minnesota

    • North St. Paul
    • Ramsey
    • Minnesota

  • Households that own their home

    68%

    8 points above the county

    4 points below Minnesota

    • North St. Paul
    • Ramsey
    • Minnesota

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$323,832
1.6% more than 12 months ago
Typical rent
$1,422 a month
4.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

North St. Paul is in Ramsey County. The FHA loan limit ($552,000 for a one-unit home), the fair market rents and the help on this page are those of all of Ramsey County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets North St. Paul apart

What this place has that others do not, from public data, most unusual first.

  1. 68% of households in North St. Paul own their home, against 61% in Ramsey County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in North St. Paul

What homes there are in North St. Paul, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in North St. Paul: 68% of homes, more than in Ramsey County (52%).

Year built

Here half of the homes date from 1973 or later; in Ramsey County, from 1965 or later.

There is more room for a big family here: 61% of homes have 3 bedrooms or more, against 50% in Ramsey County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,966 a month

Ramsey County: $1,975 a month

Without a mortgage

$769 a month

Ramsey County: $785 a month

Owners with a mortgage

63%

Ramsey County: 65%

Owning costs about the same in North St. Paul as in Ramsey County: with a mortgage, $1,966 a month; without one, $769.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in North St. Paul rose 45% since 2015–2019, about the same as in Ramsey County (42%).

Since 2015–2019, the typical rent in North St. Paul rose 37%, more than in Ramsey County (32%).

The typical household income in North St. Paul rose 31%: less than home values (+45%) and rent (+37%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureNorth St. PaulRamsey CountyMinnesotaUnited States
Rental vacancy Unreliable estimate6.1%5.3%5.5%
Homeowner vacancy Unreliable estimate0.7%0.6%0.9%
More than one person per room Unreliable estimate4.0%2.3%3.4%
People per household 2.632.382.432.53
Drive alone 71%63%69%69%
Carpool 12%8%8%9%
Public transit Unreliable estimate4%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 13%21%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in North St. Paul are bigger: 2.63 people on average; in Ramsey County, 2.38.

More people carpool to work in North St. Paul than in Ramsey County: 12% against 8%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in North St. Paul?

A typical home costs more than the typical income allows

We start with a typical home in North St. Paul, worth $298,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in North St. Paul, which is $84,797 a year. For that payment to be 28% of income, a household would need to earn about $109,195 a year.

The calculator's FHA and conventional loan limits are those of all of Ramsey County.

Your numbers

Local data
$

Starts at the typical home value in North St. Paul. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,448 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,548

at 7.18% · 30 years

Loan amount
$293,093
Total interest
$421,692
Paid off in
November 2056

Includes $5,041 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,979 a month

  • Tight

    $1,979 to $2,544 a month

  • Hard

    more than $2,544 a month

    Your payment · 36%

Compared with the typical household income in North St. Paul ($84,797 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,548
Principal & interest$1,986
Property tax$306
Home insurance$124
FHA mortgage insurance (MIP)$132

You need at least $10,448 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

North St. Paul and Ramsey County

North St. Paul is in Ramsey County, Minnesota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

North St. Paul's own numbers

Typical home value
$298,500
Typical monthly rent
$1,352
Typical yearly household income
$84,797
Households that own their home
68%
Effective property tax rate
1.23%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Ramsey County

FHA limit, one-unit home
$552,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+31%
Homes in a high flood-risk zone
0.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Ramsey County.

Everything about Ramsey County

Buying

Buying a home in North St. Paul

A typical home in North St. Paul is worth $298,500: 9% below the county and 9% below Minnesota. With the typical household income in North St. Paul ($84,797 a year), a typical home costs 3.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • North St. Paul 3.5 years
  • Ramsey 4.0 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ramsey County

According to FHFA’s house price index, home prices in Ramsey County rose 70% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Ramsey County.

Period County Minnesota U.S.
Last year (2025) +2.9% +2.8% +2.9%
5 years (2020–2025) +31% +37% +47%
10 years (2015–2025) +70% +71% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

North St. Paul next to Ramsey County, Minnesota and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • North St. Paul $298,500
  • Ramsey $326,600
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • North St. Paul $1,352
  • Ramsey $1,329
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • North St. Paul $84,797
  • Ramsey $81,568
  • Minnesota $89,062
  • United States $80,734
See the full table
North St. Paul next to Ramsey County and Minnesota
Measure North St. Paul Ramsey County Minnesota U.S.
Typical home value $298,500 $326,600 $329,300 $332,700
Typical monthly rent $1,352 $1,329 $1,280 $1,413
Typical yearly household income $84,797 $81,568 $89,062 $80,734
Households that own their home 68% 61% 72% 65%
Typical yearly property tax $3,669 $3,966 $3,357 $3,119
Effective property tax rate 1.23% 1.21% 1.02% 0.94%
Renters with high rent for their income 56% 51% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ramsey County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in North St. Paul

For a typical $298,500 home in North St. Paul, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North St. Paul's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,548a month

    Least cash to close
    Down payment
    $10,448
    Cash to close
    $19,403
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $132

  • Conventional, 5% down $2,493a month

    Down payment
    $14,925
    Cash to close
    $23,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $142

  • Conventional, 20% down, no PMI $2,048a month

    Down payment
    $59,700
    Cash to close
    $68,655
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,324a month

    Down payment
    $44,775
    Cash to close
    $53,730
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for North St. Paul and for Ramsey County.

Property tax

Effective rate in North St. Paul

1.23%of the home’s value each year

$3,669 a year for the typical owner in North St. Paul.

  • North St. Paul 1.23%
  • Ramsey 1.21%
  • Minnesota 1.02%

What Minnesota publishes Homestead market value exclusion (Minnesota Office of the Revisor of Statutes (Minnesota Statutes))

Exemptions and deadlines in Minnesota

Flood risk in Ramsey County

FEMA does not publish these numbers by city: they are for all of Ramsey County.

Homes in the high-risk zone
0.5%
707
Of those, with NFIP insurance
5.7%
County Minnesota U.S.
Homes in the high-risk zone 0.5% 0.7% 3.5%
Of those, with NFIP insurance 5.7% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in North St. Paul

Typical rent in North St. Paul is $1,352 a month: about the same as the county. In North St. Paul, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ramsey County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 an hour working full time.

HUD fair market rent for all of Ramsey County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,265 $24.33 $50,600
1 bedroom $1,427 $27.44 $57,080
2 bedrooms $1,734 $33.35 $69,360
3 bedrooms $2,264 $43.54 $90,560
4 bedrooms $2,538 $48.81 $101,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in North St. Paul

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North St. Paul is in ZIP code 55109.

For 2 bedrooms it is $1,640: $94 less than the fair market rent for Ramsey County ($1,734).

  • 55109 $1,640$2,140

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for North St. Paul when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in North St. Paul

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 8 HUD-approved agencies with an office in Ramsey County; 5 say they serve in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in North St. Paul

No down payment, repair or rent-help program on our list is for North St. Paul or Ramsey County. The ones below are statewide in Minnesota: they work in North St. Paul the same as in the rest of the state.

Which programs do I qualify for? All programs in Minnesota

  • Deferred Payment Loan (Start Up)

    Statewide in Minnesota

    Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Deferred

    See the program Official page

  • Monthly Payment Loan

    Statewide in Minnesota

    Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Repayable

    See the program Official page

Housing counselors near North St. Paul

The HUD-approved agencies closest to the center of North St. Paul, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Minnesota Homeownership Center

    1000 Payne Avenue, Saint Paul · 5 miles away

    (651) 659-9336

  • Comunidades Latinas Unidas en Servicio-Clues

    797 7th St E, Saint Paul · 5 miles away · Spanish

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (651) 379-4200

  • Southern Minnesota Regional Legal Services, Inc.

    445 Minnesota St Ste 1800, Saint Paul · 6 miles away

    • Mortgage delinquency and default
    • Rental counseling
    (651) 222-5863

Every agency in Ramsey County All counseling agencies in Minnesota

Help in Spanish near North St. Paul

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of North St. Paul

In HUD’s record, no housing authority with an office in Ramsey County is named for North St. Paul or Ramsey County.

4 other authorities have an office in Ramsey County: see the list Source: HUD

Cities

Other cities in Ramsey County

These cities are also in Ramsey County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Ramsey County Housing in Minnesota

Nearby cities

The cities closest to North St. Paul, with the typical home value.

Neighboring counties

If Ramsey County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in North St. Paul.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about North St. Paul

Short answers with the numbers for North St. Paul and all of Ramsey County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in North St. Paul?

The typical home value in North St. Paul is $298,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ramsey County it is $326,600.

How much does it cost to rent in North St. Paul?

Typical rent in North St. Paul is $1,352 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ramsey County is $1,734.

What is the FHA loan limit in North St. Paul?

North St. Paul uses the FHA limit for all of Ramsey County (2026): $552,000 for a one-unit home and $1,061,550 for a four-unit home.

How much property tax do owners pay in North St. Paul?

The typical homeowner in North St. Paul pays $3,669 a year, according to the U.S. Census Bureau. That is 1.23% of the home’s value; in Ramsey County, the rate is 1.21%.

Where can I find free help to buy or rent in North St. Paul?

There are 8 HUD-approved counseling agencies with an office in Ramsey County. 5 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).