ZIP code 55101

ZIP 55101 is a mid-size town in Ramsey County, Minnesota, with 7,937 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #198 of 880 ranked by population — larger than 77% of them. The median age here is 35.5 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 55101 earn a median of $72,703 a year, 7.4% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 13.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 55101 is valued at $252,700, 16.7% below the national figure, while median gross rent runs $1,573 a month, 11.9% above the national figure, or roughly $18,876 across a full year. A household on the local median income would put about 26% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.5×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 22.9% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 55101 is tabulated inside Ramsey County, Minnesota, one of 20 ZIP areas the Census publishes for that county and 880 across Minnesota. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 55101 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 55101 reports a median household income of $72,703, 7% below the $78,125 county median, and 4% below the $75,417 typical MN ZIP. Owner-occupied homes are valued at a median of $252,700, 13% below the county figure and 14% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,573 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 55101 carries 9.875% at the register, assembled from the St. Paul jurisdiction stack: the Minnesota state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 55101 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 55101 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.