HomeMinnesotaRamsey CountySt. Paul city
St. Paul city, Minnesota: commercial real estate data.
St. Paul city is a Census city of 307,284 people across 51.98 square miles of land, in Ramsey County. Median household income is $73,394, 52.9 percent of occupied homes are owned, and the SBA record carries 983 7(a) approvals to borrowers here worth $433.4 m.
78 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
St. Paul
What St. Paul is
- Census place typecity
- Land area51.98 sq mi
- Water area4.12 sq mi
- Population per square mile of land5,912
- County holding the largest share of its areaRamsey County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Paul
How many people live in St. Paul
- Population307,284
- Median age33.7
- Population under 1872,305
- Share under 1823.5 percent
- Population 65 and over38,220
- Share 65 and over12.4 percent
- Households125,249
- Family households64,635
- Share of households that are families51.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Paul
Income and work in St. Paul
- Median household income$73,394
- Per capita income$42,815
- Civilian labor force170,196
- Employed161,025
- Unemployed9,171
- Unemployment rate5.4 percent
- Adults 25 and over202,166
- Adults 25 and over with a high school diploma or higher89.3 percent
- Adults 25 and over with a bachelor degree or higher43.8 percent
- Adults 25 and over with a graduate degree18.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Paul
Housing in St. Paul
- Housing units133,051
- Occupied units125,249
- Vacant units7,802
- Vacancy rate5.9 percent
- Owner occupied66,204
- Renter occupied59,045
- Ownership rate52.9 percent
- Median owner-occupied home value$294,500
- Median gross rent, monthly$1,281
- Annual rent as a share of median income20.9 percent
- Single family units69,915
- Share single family52.5 percent
- Units in buildings of two or more62,866
- Share in buildings of two or more47.2 percent
- Mobile homes253 plus or minus 102
- Median year structure built1952
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Paul
How St. Paul gets to work
- Workers 16 and over who commute126,092
- Commuting under 15 minutes33,999
- Share commuting under 15 minutes27.0 percent
- Commuting 30 minutes or more30,064
- Share commuting 30 minutes or more23.8 percent
- Drove alone58.9 percent
- Carpooled9.1 percent
- Public transport5.4 percent
- Walked3.8 percent
- Worked from home20.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Paul
SBA loans in St. Paul (7(a))
- Approvals983
- Gross approval$433,450,000
- Average approval$440,946
- Median approval$150,000
- Ninetieth percentile approval$1,121,500
- Largest approval$5,000,000
- Jobs supported14,742
- Jobs per approval15.0
- Loans with a final outcome255
- Paid in full240
- Charged off15
- Charge-off rate over resolved loans5.9 percent
- Median term120 months
- Share on real estate terms of 20 years or more9.0 percent
- Share to franchises7.5 percent
- Distinct lenders98
- Distinct industries by NAICS272
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Paul
SBA loans in St. Paul (504)
- Approvals194
- Gross approval$106,911,000
- Average approval$551,088
- Median approval$383,000
- Largest approval$4,211,000
- Jobs supported1,772
- Loans with a final outcome59
- Charged off1
- Charge-off rate over resolved loans1.7 percent
- Median term240 months
- Distinct CDCs6
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ramsey County, not St. Paul
Ramsey County context, not St. Paul figures
These are Ramsey County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as St. Paul measurements.
- Establishments in Ramsey County13,677
- Employment at those establishments, Ramsey County294,664
- Covered employment, Ramsey County325,226
- Average annual pay, Ramsey County$77,908
- Average weekly wage, Ramsey County$1,498
- Housing units permitted, Ramsey County1,084
- Of those, single family, Ramsey County202
- County product, 2024, Ramsey County$56,256,165,000
- County product change over the prior year, Ramsey County6.7 percent
- Average income of an arriving household, Ramsey County$61,963
Every figure in this section is published for Ramsey County as a whole and is not a measurement of St. Paul. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
St. Paul questions, answered from the record.
How many people live in St. Paul, Minnesota?
307,284, in 125,249 households. St. Paul city covers 51.98 square miles of land, which is 5,912 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Paul in?
Ramsey County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in St. Paul?
$73,394. The median owner-occupied home is valued at $294,500. Median gross rent is $1,281 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. Paul businesses?
983 7(a) approvals totalling $433.4 m, across 98 lenders, median approval $150,000, plus 194 504 approvals worth $106.9 m. These count approvals to borrowers whose address is in St. Paul, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Paul borrowers get paid back?
Of the 255 loans that have reached a final outcome, 240 were paid in full and 15 charged off, a charge off rate of 5.9 percent. Loans still running are excluded because they have not yet succeeded or failed.
Are the county figures on this page St. Paul figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Ramsey County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of St. Paul.
Is zoning published for St. Paul?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.