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St. Paul, Minnesota Retirement Guide
established retirement community
47
Retirement Score
St. Paul, Minnesota at a Glance
- Median Home Price
- $287,600
- State Income Tax
- State income tax; Social Security and retirement income have income-based partial exemptions.
- Avg January Low
- 27.9°F
- Cost of Living Index
- 97.5 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 47 / 100
Retirement Data
Affordability
Cost of Living Index
97.5 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$287,600High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,216High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security and retirement income have income-based partial exemptions.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
22.7 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
47.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
22.7 / 100Medium confidence
CMS Provider of Services · Updated March 2026
Climate
Avg July High
59.2°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
27.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
78.9"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
170 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
67.3 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
37.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
24.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
308,806High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
33.1High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
11.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$69,919High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
53.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
4.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
42.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
16.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
54.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
15.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
8.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
18.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in St. Paul using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$623
Stress-case monthly carrying cost
$700
Median home price used: $287,600
Median rent reference: $1,216 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.