Ramsey and St. Paul receive effectively the same standardized Area Score. Which fits you better depends on which dimensions you weight — the differences below are where they actually diverge.
Signals
Ramsey
St. Paul
Opportunity
47 · Bottom 31%
vs46 · Bottom 27%
Growth
52 · Top 47%
vs36 · Bottom 25%
Climate
54 · Bottom 3%
vs55 · Bottom 5%
Physical resilience
57 · Bottom 48%
vs93 · Top 8%
Housing affordability
97 · Top 15%
vs82 · Top 48%
Schools
37 · Bottom 31%
vs19 · Bottom 10%
Access
83 · Bottom 26%
vs97 · Top 29%
Economic stability
82 · Top 4%
vs59 · Bottom 47%
Measured values
| Metric | Ramsey | St. Paul | Source period |
|---|---|---|---|
| Population | 28,421 | 307,284 | 2024 ACS 5-Year |
| Median household income | $116,415 | $73,394 | 2024 ACS 5-Year |
| Per capita income | $47,941 | $42,815 | 2024 ACS 5-Year |
| Population density | 985/sq mi | 5,912/sq mi | 2024 ACS 5-Year |
| Median home value | $359,600 | $294,500 | 2024 ACS 5-Year |
| Median gross rent | $1,826 | $1,281 | 2024 ACS 5-Year |
| Homeownership rate | 85.0% | 52.9% | 2024 ACS 5-Year |
| Unemployment rate | 4.7% | 4.4% | June 2026 |
| Employment change (year over year) | -2.0% | -2.0% | June 2026 |
| Bachelor's degree or higher | 34.4% | 43.8% | 2024 ACS 5-Year |
| Poverty rate | 4.1% | 15.6% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 123 | 437 | 12 months ending July 2026 |
| Permits per 1,000 residents | 4.3 | 1.4 | 12 months ending July 2026 |
| Permit change (year over year) | -44.1% | 46.6% | 12 months ending July 2026 |
| Average July high | 83°F | 83°F | 1991-2020 Normals |
| Average January low | 7°F | 9°F | 1991-2020 Normals |
| Annual precipitation | 30.7" | 29.2" | 1991-2020 Normals |
| Distance to major airport | 28 mi | 7 mi | NASR current cycle |
| Average commute | 30.4 min | 22.8 min | 2024 ACS 5-Year |
| Median age | 36.9 | 33.7 | 2024 ACS 5-Year |
| Public schools | 14 | 141 | 2024-25 school year |
| Students per teacher | 16.57 | 14.69 | 2024-25 school year |
| Math proficiency | 45.3% | 24.4% | 2019-20 school year |
| Reading proficiency | 47.8% | 34.7% | 2019-20 school year |
| Free or reduced-price lunch eligibility | 39.2% | 66.4% | 2024-25 school year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
Ramsey
Elevated or high exposure: strong wind, hail, inland flooding.
St. Paul
Elevated or high exposure: hail.
Full profiles: Ramsey, MN · St. Paul, MN · How this is calculated: methodology