ZIP Code 55130 — Saint Paul, MN Home Prices (2026)
The typical home in ZIP 55130 (Saint Paul, Minnesota) is worth about $254,000 at roughly $181 per square foot — 10% more affordable than the Saint Paul median and 14% more affordable than the typical U.S. home.
How 55130 compares
ZIP 55130 is one of the more affordable ZIP codes in Saint Paul: its typical home value of $254,000 ranks #10 of the 11 Saint Paul ZIP codes we track (the citywide range runs from $186,000 in 55101 to $482,000 in 55105). Per square foot it costs about $181, against $207 for Saint Paul as a whole, $189 for Minnesota, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 55130 | $254,000 | $181 |
| Saint Paul, MN | $282,000 | $207 |
| Minnesota | $304,000 | $189 |
| United States | $294,000 | $195 |
Home value by size in 55130
Using this ZIP’s rate of about $181 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $181,000 |
| 1,500 sq ft | $271,500 |
| 2,000 sq ft | $362,000 |
| 2,500 sq ft | $452,500 |
| 3,000 sq ft | $543,000 |
Salary needed to buy a home in ZIP 55130
To buy the typical $254,000 home in ZIP 55130 with 20% down, you need a household income of roughly $69,000 a year (about $1,610 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $82,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,700 | $2,000/mo | $86,000/yr |
| 10% (+PMI) | $25,400 | $1,920/mo | $82,000/yr |
| 20% | $50,800 | $1,610/mo | $69,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 55130
At about $181 per square foot, here is roughly how much home different budgets get you in ZIP 55130:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 830 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1100 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1380 sq ft | around the typical home here |
| $300k | 1660 sq ft | around the typical home here |
| $400k | 2210 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 55130 home.
Estimate a specific home in 55130
The estimator below is pre-set to ZIP 55130 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Saint Paul ZIP codes by home value
Where 55130 sits among Saint Paul’s 11 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 55105 | $482,000 | $280 |
| 2 | 55116 | $464,000 | $276 |
| 3 | 55104 | $309,000 | $207 |
| 4 | 55117 | $305,000 | $184 |
| 5 | 55102 | $289,000 | $210 |
| 6 | 55114 | $282,000 | $230 |
| 7 | 55107 | $273,000 | $190 |
| 8 | 55106 | $264,000 | $182 |
| 9 | 55103 | $256,000 | $178 |
| 10 | 55130 (this page) | $254,000 | $181 |
| 11 | 55101 | $186,000 | $213 |
ZIP 55130 home prices: frequently asked
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See the full Saint Paul home values page, all Minnesota cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.