55123 ZIP Code — Saint Paul, MN

Dakota County, Minnesota

ZIP code 55123 is located in Saint Paul, Minnesota, within Dakota County. It covers approximately 10.76 square miles and serves a population of 27,821 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 952.

About ZIP code 55123

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $416,100. Owner-occupancy is high at 82%, well above the national average.

The gap between median ($131,344) and mean household income suggests income inequality — a small number of higher earners pull the average up.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is high — 65% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 55123 reflects a community defined by a highly educated population and high homeownership.

27,821

population

10.76

sq mi land

Standard

ZIP type

Central (CT)

timezone

55123 ZIP code map

Cities in ZIP code 55123

Below are the cities the US Postal Service accepts for ZIP code 55123. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Paul	Acceptable
Saint Paul	Preferred

Nearby ZIP codes

55121 Saint Paul (3 mi) 55122 Saint Paul (3 mi) 55077 Inver Grove Heights (3.8 mi) 55120 Saint Paul (4.9 mi) 55124 Saint Paul (5.2 mi) 55425 Minneapolis (5.2 mi) 55076 Inver Grove Heights (5.2 mi) 55068 Rosemount (5.5 mi) 55118 Saint Paul (6.1 mi) 55111 Saint Paul (6.2 mi) 55450 Minneapolis (6.5 mi) 55071 Saint Paul Park (7.1 mi)

Demographics updated 05/2026

Population
Total population	27,821
Population density	2,586 / sq mi
State FIPS	27
County FIPS	037

Geography
Land area	10.76 sq mi
Water area	0.93 sq mi
Latitude	44.8050
Longitude	-93.1367
Timezone	Central (CT)
Area code	952

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.8%	26.0%	33.6%
$50k – $100k	25.3%	30.2%	31.5%
$100k – $200k	39.4%	32.9%	26.5%
Over $200k	21.6%	11.0%	8.5%

Demographics & statistics

27,821

Population

2,586

People per sq mi

39.5

Median age

$131,344

Median household income

$62,289

Per capita income

$416,100

Median home value

$1,472

Median monthly rent

81.6%

Home ownership

1.7%

Poverty rate

2.2%

Unemployment

8,412

Housing units

64.7%

Bachelor's or higher

Age distribution

Male Female

818

Under 5

832

1,114

5–9

1,134

881

10–14

898

856

15–19

871

740

20–24

754

1,542

25–34

1,571

2,067

35–44

2,104

1,637

45–54

1,667

1,324

55–59

1,348

995

60–64

1,013

1,300

65–74

1,323

386

75–84

393

125

85+

128

← Male

Female →

Age summary

Group	Count	%
Under 18	6,849	24.6%
18 and over	20,972	75.4%
65 and over	3,655	13.1%
Median age	39.5 years

Race & ethnicity

White 79.6%

Asian 9.6%

Two or more races 3.9%

Black or African American 3.3%

Hispanic or Latino 2.4%

Other race 1%

American Indian / Alaska Native 0.2%

Group	Count	%
White	22,687	79.6%
Asian	2,736	9.6%
Two or more races	1,114	3.9%
Black or African American	943	3.3%
Hispanic or Latino	695	2.4%
Other race	288	1%
American Indian / Alaska Native	47	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.8%	26.0%	33.6%
$50k – $100k	25.3%	30.2%	31.5%
$100k – $200k	39.4%	32.9%	26.5%
Over $200k	21.6%	11.0%	8.5%

Under $10k 0.4%

$10k–$15k 0.8%

$15k–$25k 2.2%

$25k–$35k 2.6%

$35k–$50k 6.3%

$50k–$75k 9.9%

$75k–$100k 11.9%

$100k–$150k 22.1%

$150k–$200k 16.8%

$200k+ 27.1%

Range	% of households
Under $10k	0.4%
$10k–$15k	0.8%
$15k–$25k	2.2%
$25k–$35k	2.6%
$35k–$50k	6.3%
$50k–$75k	9.9%
$75k–$100k	11.9%
$100k–$150k	22.1%
$150k–$200k	16.8%
$200k+	27.1%
Median income	$131,344

Housing

Home values

Under $50k 0.8%

$50k–$100k 0.5%

$100k–$150k 3.0%

$150k–$200k 2.8%

$200k–$300k 11.4%

$300k–$500k 55.1%

$500k–$1M 25.5%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$416,100
Median rent / month	$1,472
Owner occupied	81.6%
Renter occupied	18.4%
Vacant	0.5%
Single-family detached	69.8%
Large apartment buildings	12.5%
Mobile homes	0.3%
Median rooms	7.7
Avg household size (owned)	2.79

Year built

Era	%
2020 or later	0.1%
2010–2019	7.8%
2000–2009	5.8%
1990–1999	28.4%
1980–1989	44.1%
1970–1979	10.2%
1960–1969	1.2%
1950–1959	0.6%
1940–1949	0.4%
1939 or earlier	1.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	6.8%
2 bedrooms	16.6%
3 bedrooms	25.2%
4 bedrooms	34.3%
5+ bedrooms	16.5%

Vehicles per household

Vehicles	% of households
No vehicle	1.4%
1 vehicle	25.9%
2 vehicles	50.8%
3 or more	22.0%

Heating fuel

Fuel type	%
Utility gas	87.7%
Electricity	10.1%
Propane / LP gas	0.3%
Wood	0.2%
Solar	0.2%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	6,969	68.0%
Cohabiting couple	569	5.6%
Male householder, no spouse	899	8.8%
Female householder, no spouse	1,807	17.6%
Households with children under 18	3,624	35.4%
Households with seniors (65+)	2,455	24.0%
Average household size	2.70

Marital status

Status	Male	Female
Never married	26.5%	22.5%
Married	67.4%	63.5%
Separated	0.4%	0.8%
Widowed	0.9%	2.6%
Divorced	4.9%	10.5%

Education

Less than 9th grade 0.4%

Some HS, no diploma 0.9%

HS graduate 9.0%

Some college, no degree 14.0%

Associate's degree 11.0%

Bachelor's degree 39.0%

Graduate / professional 25.7%

Metric	%
HS diploma or higher	98.7%
Bachelor's or higher	64.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	392	5.7%
Kindergarten	589	8.6%
Elementary school	3,061	44.8%
High school	1,633	23.9%
College / grad school	1,164	17.0%

Employment

Industry of employment

Education & healthcare 24.1%

Professional & management 18.9%

Finance & real estate 11.6%

Retail trade 10.2%

Manufacturing 8.8%

Transportation & utilities 5.4%

Arts, food & hospitality 5.3%

Construction 4.1%

Other services 3.6%

Public administration 2.9%

Information 2.7%

Wholesale trade 2.3%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	60.7%
Service	9.2%
Sales & office	19.3%
Natural resources & construction	4.1%
Production & transportation	6.8%

Employment type

Type	%
Private sector	85.7%
Government	11.0%
Self-employed	3.3%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	71.7%
Carpool	4.4%
Public transit	1.7%
Walk	1.2%
Work from home	19.8%
Other means	1.1%
Avg commute (minutes)	23.3

Poverty

All people 1.7%

Under 18 years 1.3%

18 and over 1.9%

Married-couple families 1.0%

Female-led households 0.7%

Income support

Source	% of households
Social Security	21.5%
Retirement income	20.8%
Supplemental Security	1.8%
Cash public assistance	0.5%
Food stamps / SNAP	1.6%

Health indicators

Condition	%
Obesity	31.3%
High blood pressure	22.7%
High cholesterol	26.2%
Diabetes	6.4%
Heart disease	3.5%
Stroke	1.7%
Asthma	8.5%
Arthritis	17.3%
Kidney disease	1.8%
Pulmonary disease	3.1%
Cancer	5.3%

Behavior / access	%
Smoking	11.2%
Binge drinking	20.7%
No physical activity	13.5%
Less than 7 hrs sleep	25.0%
Depression	20.6%
Fair or poor health	7.0%
Poor mental health	11.2%
Poor physical health	6.4%
No health insurance	7.5%
Visited doctor (checkup)	69.8%
Visited dentist	75.9%
Cholesterol screening	91.8%
Teeth loss	5.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,060	5.1%

Disability	%
Any disability	5.9%
Under 18	2.8%
18–64 years	4.3%
65 and over	19.4%

Health insurance coverage

Type	%
Private insurance	89.0%
Public insurance	18.6%
No insurance	3.1%
Uninsured under 19	3.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	26,171	94.1%
Spanish	1,179	4.5%
Other Indo-European	122	0.5%
Asian & Pacific Islander	258	1.0%
Other languages	682	2.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	24,673	88.7%
Born in same state	24,478	88.0%
Born in different state	17,248	62.0%
Foreign born	195	0.7%
Naturalized citizen	3,148	11.3%
Not a US citizen	1,578	50.1%

Ancestry

Ancestry	Count	%
Polish	3,411	12.3%
Italian	3,261	11.7%
French	2,323	8.3%
Arab	530	1.9%
English	291	1%

Ancestry	Count	%
Dutch	238	0.9%
German	145	0.5%
Norwegian	41	0.1%
Irish	39	0.1%

Technology access

Metric	% of households
Computer access	36.8%
Internet access	98.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 55123

What city is ZIP code 55123 in?

ZIP code 55123 is primarily assigned to Saint Paul, Minnesota.

What county is ZIP code 55123 in?

ZIP code 55123 falls within Dakota County, Minnesota.

How educated is the population of ZIP code 55123?

65% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 55123 mostly owner-occupied?

82% of occupied units in ZIP code 55123 are owner-occupied, well above the national average.

What is the median household income in ZIP code 55123?

The median household income in ZIP code 55123 is $131,344, above the national median of ~$75,000.

What is the typical home value in ZIP code 55123?

The median home value in ZIP code 55123 is $416,100.

What timezone is ZIP code 55123 in?

ZIP code 55123 observes the CST timezone.