St. Paul, MN: Fair Market Rent by ZIP Code (FY2027)
ZIP-level rents for St. Paul in Ramsey County, effective October 1, 2026.
Data: HUD FY2027 Small Area FMRs (effective October 1, 2026), Census ACS 5-Year 2020–2024. Spot-checked against the official sources on November 5, 2026 (results). Last site change: November 10, 2026 (changelog).
St. Paul is in Ramsey County. HUD sets one Fair Market Rent for the whole Minneapolis-St. Paul-Bloomington, MN-WI area, $1,734 for two bedrooms in FY2027. Bedroom sizes, Section 8 payment standards and income limits for the county are on the Ramsey County fair market rent page. This page shows what differs inside St. Paul: the ZIP-level rents HUD publishes for metro areas and Census figures for the city itself.
St. Paul fair market rent by ZIP code (FY2027)
The two-bedroom Small Area FMR runs from $1,540 (ZIP 55103, 55106, 55117 and 1 more) to $1,980 (ZIP 55101), 14% above the area FMR. 3 of 14 ZIP codes are above the area figure, 9 below it.
| ZIP | 0 BR | 1 BR | 2 BR | 3 BR | 4 BR | 2 BR vs area FMR |
|---|---|---|---|---|---|---|
| 55101 | $1,440 | $1,630 | $1,980 | $2,590 | $2,900 | +14% |
| 55102 | $1,270 | $1,430 | $1,740 | $2,270 | $2,550 | +0% |
| 55103 | $1,120 | $1,270 | $1,540 | $2,040 | $2,280 | −11% |
| 55104 | $1,160 | $1,310 | $1,590 | $2,080 | $2,330 | −8% |
| 55105 | $1,210 | $1,370 | $1,660 | $2,170 | $2,430 | −4% |
| 55106 | $1,120 | $1,270 | $1,540 | $2,040 | $2,280 | −11% |
| 55107 | $1,220 | $1,370 | $1,670 | $2,180 | $2,440 | −4% |
| 55108 | $1,260 | $1,420 | $1,730 | $2,260 | $2,530 | −0% |
| 55114 | $1,420 | $1,600 | $1,950 | $2,550 | $2,850 | +12% |
| 55116 | $1,290 | $1,460 | $1,770 | $2,310 | $2,590 | +2% |
| 55117 | $1,120 | $1,270 | $1,540 | $2,040 | $2,280 | −11% |
| 55119 | $1,190 | $1,340 | $1,630 | $2,130 | $2,390 | −6% |
| 55130 | $1,120 | $1,270 | $1,540 | $2,040 | $2,280 | −11% |
| 55155 | $1,170 | $1,320 | $1,600 | $2,090 | $2,340 | −8% |
ZIP codes with at least 30% of their land area inside St. Paul (Census 2020 ZIP code tabulation areas). Mail ZIP codes and ZCTAs can differ slightly at the edges.
Source: HUD FY2027 Small Area FMRs (effective October 1, 2026, claims ledger), how SAFMRs work.
Rent in St. Paul compared with Ramsey County
The median gross rent in St. Paul is $1,281 a month (±$19), 4% lower than in Ramsey County as a whole ($1,329). Renter households in St. Paul earn a median $48,983 a year (±$2,355), against $51,096 county-wide. The typical rent takes 31% of the typical renter income, and 50% of renters pay 30% or more of their income on rent.
Source: Census Bureau, American Community Survey 5-Year 2020–2024 (tables B25064, B25119, B25070), place and county level.
Section 8 in St. Paul
Where the housing authority uses ZIP-level figures, the voucher payment standard is normally 90% to 110% of the ZIP's Small Area FMR: for a two-bedroom unit in St. Paul that is about $1,386 to $2,178 depending on the ZIP code. Otherwise the county-wide FMR applies. See payment standards and income limits for Ramsey County or estimate the tenant share with the Section 8 calculator.