St. Paul: Housing & Real Estate
Housing in St. Paul centers on a median value of $203,300 (estimated market value runs 7% higher at $217,619), with median rent $707 (1.2× below Howard County median $816; 1.4× below Nebraska median $973). Homeownership rate: 71.4%. That's 1.1× higher than the Howard County median ($181,600); about the same as the Nebraska median ($206,065). Market is warm. Vacancy rate 8.1%. New construction makes up 9.0% of stock. A municipal building code is in effect.
- 3.3× annual income — home value vs. household income (vs Nebraska 2.6×).
- 24.0 years to break even renting at the median (vs Nebraska 18y).
- 4-BR rent is 1.8× a studio — rent gradient by unit size.
- Median rent 32% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $203,300 — 1.0× the Nebraska median ($206,064). Median rent $707/month. homeownership rate 71.4% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 3.3× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 13.9% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 16.7% |
| Affordability · Poverty Rate | 3.9% |
| Affordability · Property Tax Pct Income | 4.7% |
| Fair Market Rent · Studio rent | $752 |
| Fair Market Rent · One-bedroom rent | $910 |
| Fair Market Rent · Two-bedroom rent | $1,049 |
| Fair Market Rent · Three-bedroom rent | $1,258 |
| Fair Market Rent · Four-bedroom rent | $1,389 |
| Fair Market Rent · HUD FMR area | Howard County, NE HUD Metro FMR Area |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $217,619 |
| Median Home Value | $203,300 (vs Nebraska $206,065) |
| Median Rent | $707 (vs Nebraska $973) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 8.1% |
| Housing Market · New construction (% of stock) | 9.0% |
| Housing Market · Price Appreciation 2Yr | 10.2% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (3)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 0.8% |
| Broadband · Broadband-capable premises | 1,145 |
| Electricity · Electricity rate (¢/kWh) | 11.53¢/kWh |
| Electricity · Customers | 905,415 |
| Electricity · Revenue Millions | $1,198 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 93% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · Refreshed 2026-04-12
Other
| Homeownership Rate | 71.4% |
|---|---|
| Median Year Built | 1971 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12