ZIP Code 55104: Population, Income, Housing

State: MN

Total population: 45,762 Household income: $75,712 Rent: $1,199

Overview

Total population

45,762

Rent

$1,199

Year built

1938

Household income

$75,712

Per capita income

$44,568

Poverty rate

16.3%

Unemployment rate

N/A

Household size

2.3 persons

Rent over 30% of income

47.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

Minnesota

County

Ramsey County

City

St. Paul

Total population

45,762

Adults over 25

29,868

Total households

19,059

Household size

2.3 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$75,712

Per capita income

$44,568

Poverty rate

16.3%

Unemployment rate

N/A

Rent over 30% of income

47.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$1,199

Year built

1938

Households that rent

46.9%

Households that own

53.1%

Rooms per home (all homes)

5.4

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

60.4%

Black

19.1%

Asian

Two or more races

11.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

6.8%

Not Hispanic or Latino

93.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

19,932 (78.4%)

Commute time to work

21 mins

Work from home

5,504 (21.6%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

23.6%

High school graduate or GED

15.9%

Some college or associate degree

7.8%

Bachelor’s degree or higher

52.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 55104 with: Ramsey County, MN St. Paul, MN Minneapolis metro area, MN-WI Minnesota United States

ZIP 55104

Total population45,762

Rent$1,199

Year built1938

Household income$75,712

Per capita income$44,568

Poverty rate16.3%

Unemployment rateN/A

Ramsey County, MN

Total population542,945

Rent$1,329

Year built1965

Household income$81,568

Per capita income$46,355

Poverty rate12.3%

Unemployment rate2.4%

St. Paul, MN

Total population307,284

Rent$1,281

Year built1952

Household income$73,394

Per capita income$42,815

Poverty rate15.6%

Unemployment rate2.3%

Minneapolis Metro Area, MN-WI

Total population3,713,668

Rent$1,440

Year built1981

Household income$99,833

Per capita income$52,840

Poverty rate8.2%

Unemployment rate2.9%

Minnesota State

Total population5,739,445

Rent$1,280

Year built1979

Household income$89,062

Per capita income$48,237

Poverty rate9.3%

Unemployment rate3%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP55104	CountyRamsey, MN	CitySt. Paul, MN	Metro AreaMinneapolis metro area, MN-WI	StateMinnesota	CountryUnited States
Total population	45,762	542,945	307,284	3,713,668	5,739,445	334,922,499
Rent	$1,199	$1,329	$1,281	$1,440	$1,280	$1,413
Year built	1938	1965	1952	1981	1979	1980
Household income	$75,712	$81,568	$73,394	$99,833	$89,062	$80,734
Per capita income	$44,568	$46,355	$42,815	$52,840	$48,237	$44,673
Poverty rate	16.3%	12.3%	15.6%	8.2%	9.3%	12.5%
Unemployment rate	N/A	2.4%	2.3%	2.9%	3%	4%

View the full multi-level comparison →

Summary for 55104

Rent & Income

In 55104, the typical monthly rent is $1,199 and the typical household income is $75,712. Rent here is lower than both St. Paul and Minnesota, and household income is similar to St. Paul and lower than Minnesota. The estimated poverty rate is 16.3%, which is similar to the St. Paul rate and higher than the Minnesota rate.

Housing & Affordability

Renters make up about 46.9% of households, indicating a relatively balanced mix of renters and owners. About 47.9% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is very high, with about 52.7% of adults holding a bachelor’s degree or higher.

ZIP 55104 — Rent vs Household Income

ZIP 55104 — Poverty

How ZIP 55104 compares in Minnesota (50 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$1,199	9 / 50	from lower rent	$883 – $2,001
Household income	$75,712	37 / 50	from higher income	$51,966 – $155,430
Poverty rate	16.3%	42 / 50	from lower poverty	2.5% – 36.4%

Rankings are calculated among ZIP Codes in Minnesota with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 55104

Rent

For rent, this ZIP is positioned 9th out of 50 ZIP Codes in Minnesota. In Minnesota as a whole, the range goes from $883 in ZIP 56401 up to $2,001 in ZIP 55347.

Household income

For household income, ZIP Code 55104 ranks 37th out of 50 ZIP Codes. Statewide, values range from $51,966 in ZIP 55414 up to $155,430 in ZIP 55347.

Poverty rate

For poverty levels, this ZIP is positioned 42nd out of 50 ZIP Codes. Across Minnesota, figures vary from 2.5% in ZIP 55347 up to 36.4% in ZIP 55414.

💰 Rent in ZIP Code 55104 (with Utilities)

Estimated Monthly Rent: $1,199 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 55104

Annual Household Income: $75,712

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 55104

Estimated Rate: 16.3%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 55104

In ZIP Code 55104, households that rent: 8,941 (46.9%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	8,941	46.9%
Owner-Occupied	10,118	53.1%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 55104

In ZIP Code 55104, cost-burdened renters (households spending over 30% of income on housing): 4,279 (47.9%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	4,279	47.9%
Other renter households	4,662	52.1%
Total renter households	8,941	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 55104

Less than High School: 7,055 people (23.6%)

Includes adults who did not complete high school.

High School Graduate or GED: 4,743 people (15.9%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,320 people (7.8%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 15,750 people (52.7%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 29,868

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.