Saint Paul, NE—68873
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Paul, NE
As of Oct '25, the median home price in Saint Paul, NE is $249,000, with a year-over-year change of 5.8%. This indicates that home prices in Saint Paul, NE are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $249,000 | 5.8% |
| Single Family | $249,000 | 5.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $190,000 | 7.3% |
3 Bed | $251,000 | 5.0% |
4 Bed | $300,000 | 4.9% |
| 5 Bed | $373,000 | 3.3% |
% of Housing Stock
Rental Trends — Saint Paul, NE
Saint Paul, NE lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,100 | $1,100 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,100 | $1,100 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Saint Paul, NE
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Paul, NE is 54. This is a decrease of -18.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 31.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $238,000 | -24.0% |
Listing Count | 13 | 220.0% |
| Listings as % of Homes | 0.2% | 220.0% |
Days on Market | 54 | -18.0% |
Demographics — Saint Paul, NE
As of the latest ACS Survey released in 2023, Saint Paul, NE has a population of 3,710, which has increased by 7.0% over the past 5 years. Saint Paul, NE is a popular place for families, as children make up 26.5% of the population. The area has a moderately educated workforce, with 25.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,710 | 7.0% |
% Under 18 | 26.5% | 0.4% |
% Seniors | 20.2% | 2.5% |
% WFH | 7.6% | -11.6% |
% w/ College Degree | 25.1% | 3.7% |
As of the latest ACS Survey released in 2023, Saint Paul, NE is a predominantly white area, with 88.1% of the population identifying as white. The white population has shrunk by 5.9% in the last 5 years. The second most common race or ethnicity in Saint Paul, NE is hispanic, making up 3.7% of the population. Foreign-born residents account for 2.7% of the population in Saint Paul, NE, and this percentage has increased by 17.4% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 88.1% | -5.9% |
% Black | 0.8% | 166.7% |
% Hispanic | 3.7% | -2.6% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 2.7% | 17.4% |
Mortgage and Risk — Saint Paul, NE
According to HUD data as of 2023, there were 77 mortgage originations in Saint Paul, NE, of which 74.0% of loans were conventional mortgages. The average loan-to-value was 71.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Saint Paul, NE. Investor activity is low, as 5.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 77 |
% Conventional Loans | 74.0% |
% Government Loans | 26.0% |
% Investor Loans | 5.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Saint Paul, NE
Saint Paul, NE lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 44 |
Total Units Section 8 | 4 |
% Rentals under Section 8 | 0.5% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $810 |
| 2 Bedroom | -$120 | $1,100 | $980 |
| 3 Bedroom | N/A | N/A | $1,180 |
| 4 Bedroom | N/A | N/A | $1,300 |
Affordability — Saint Paul, NE
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $249,000 |
| Median Household Income | $73,200 |