HomeMinnesotaRamsey CountySt. Paul
St. Paul, Minnesota: commercial real estate data.
St. Paul 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 984 7(a) approvals to borrowers here worth $435.9 m since FY2020.
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))
- Approvals984
- Gross approval$435,865,000
- Average approval$442,952
- Median approval$150,750
- Ninetieth percentile approval$1,127,450
- Largest approval$5,000,000
- Jobs supported14,765
- 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 more8.9 percent
- Share to franchises7.5 percent
- Distinct lenders98
- Distinct industries by NAICS272
Counted by borrower city: approvals to borrowers whose address is in St. Paul, in any county, FY2020 to FY2026.
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
Counted by borrower city: approvals to borrowers whose address is in St. Paul, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Paul
Flood risk in St. Paul
- NFIP communityCity of St. Paul
- NFIP community number275248
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/16/15
The City of St. Paul participates in the National Flood Insurance Program as community 275248 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Ramsey County, not St. Paul
Ramsey County context, not St. Paul figures
- Establishments in Ramsey County13,677
- Covered employment, Ramsey County325,226
- Average annual pay, Ramsey County$77,908
- Housing units permitted, Ramsey County1,084
Every figure in this section is published for Ramsey County as a whole and is not a measurement of St. Paul.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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?
984 7(a) approvals totaling $435.9 m since FY2020, across 98 lenders, median approval $150,750, plus 194 504 approvals worth $106.9 m since FY2010. 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.
Is St. Paul in the National Flood Insurance Program?
Yes. St. Paul appears in the FEMA Community Status Book as St. Paul, city of, community 275248, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page St. Paul figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.