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Cost of living, pay and housing

33.05° N · 96.55° W · GEOID 4864220

St. Paul

Collin County, Texas · part of the Dallas, TX metro

Limited data population under 5,000

TexasSt. Paul, TXSt. PaulSt. Paul

The short answer

St. Paul is home to 879 people. Median household income is $127,500 a year and median rent is $2,667 a month, 25.1% of income (a ratio of two medians, not any one household's burden). Rent pressure is moderate. The median home is valued at $494,300, about 3.9x annual median household income.

Median gross rent
$2,667
95% above the median place
Median household income
$127,500
59% above the median place
Median home value
$494,300
55% above the median place
Unemployment
4.2%
15% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about St. Paul

  • Only 0% of renter households spend 30% or more of income on rent, a lower share than in 98% of the 2,214 places under 10,000 people we track. It is the lowest of 379 Texas places.
  • 96% of homes are owner-occupied, more than in 97% of places its size.
  • Median rent is $2,667 a month, higher than in 95% of places its size.
  • Owning with a mortgage costs only about $53 a month more than the median rent, a smaller gap than in 92% of places its size.
  • Between the 2019 and 2024 surveys, rent rose 7.3% a year while household income rose 2.4%, so rent outran pay by more than in 88% of places its size.
01

Moving to St. Paul

Collin County gains about 18.4 residents per 1,000 a year to moves between counties.

Moved in92,150
Moved out73,762
Net+18,388

Where people come from and where they go, top counties

Dallas County, TX23,37615,222+8,154
Denton County, TX13,73814,821−1,083
Tarrant County, TX3,2803,258+22
Grayson County, TX1,3702,670−1,300
Rockwall County, TX1,5471,921−374
Harris County, TX1,4921,129+363

Within Texas, other states or abroad

Arrivals
Leavers
Within TexasOther statesAbroad

Income per tax return

Arrivals$102K
Leavers$99K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Collin County; flows under 20 returns are not published.

Who moves here
8.4% of residents arrived from another county in the past year, 3.0% from another state. County figure.
Who arrives and who leaves
Households moving into Collin County report $102,400 a year in income on average; those leaving, $98,700.
Income you would need
$106,700 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,667 a month; owners with a mortgage pay $2,720 a month including taxes and insurance, on a median home of $494,300.
Getting to work
28 minutes each way on average; 18.9% work from home.
If it is close but not quite
Country Walk, FL matches it on character. Compare the two
Net movers per 1,000 people7
18.4
above the median place (median -0.6)
Income of households moving out7
$98,671
40% above the median place
Income of households moving in7
$102,355
45% above the median place
All 5 moving measures
MeasureSt. PaulAmong 6,645 placesVs median
Moved here in the past year1County figure8.4%47% above
Moved from another state1County figure3.0%52% above
Net movers per 1,000 people7County figure18.4above (median -0.6)
Income of households moving in7County figure$102,35545% above
Income of households moving out7County figure$98,67140% above
02

What it costs to live here

Renters paying 30%+ is 0.0%, below the median place (median 50.6%).

St. Paul25.1%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$106,680
a year, at the 30% line
Rent to income
25.1%
23% above the median place
Home price to income
3.9x
2% above the median place

Could you afford it?

The median rent would take
25%
just under the 30% line
Left after rent, in US prices
$95,900
a year
Vs the typical household here
Same
as the median household

Uses the median rent in St. Paul, $2,667 a month, and local prices for everything else (100.1 against a US average of 100). It runs in your browser and stores nothing.

Moving from somewhere else? Work out the salary you would need in St. Paul.

Sponsored · exampleMoving to St. Paul? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Renters paying 30%+1
0.0%
below the median place (median 50.6%)
Homeownership1
95.7%
44% above the median place
Median year built1
2000
1% above the median place
All 15 cost and housing measures
MeasureSt. PaulAmong 6,645 placesVs median
Median gross rent1$2,66795% above
Rent to income125.1%23% above
Property tax rate11.3%43% above
Home price to income13.9x2% above
Prices vs US average2Metro figure103.12% above
Fair market rent, 2 bedrooms3County figure$1,80712% above
Property tax paid (median)1$6,42397% above
Median home value1$494,30055% above
Home prices, 1-year change4County figure-0.8%below (median 3.2%)
Home prices, 5-year change4County figure51.1%1% below
Homeownership195.7%44% above
Renters paying 30%+10.0%below (median 50.6%)
Owner costs with a mortgage1$2,72045% above
Vacant homes1County figure4.7%33% below
Median year built120001% above
03

Work and pay

Median household income is $127,500, 59% above the median place.

Median household income1
$127,500
59% above the median place
Works from home1
18.9%
52% above the median place
Income per person1
$49,719
24% above the median place
All 10 work and pay measures
MeasureSt. PaulAmong 6,645 placesVs median
Median household income1$127,50059% above
Income per person1$49,71924% above
Unemployment1County figure4.2%15% below
Average annual pay5County figure$91,91039% above
Pay growth, 1 year5County figure4.3%16% above
Jobs5County figure562,572273% above
Poverty rate1County figure6.2%42% below
Mean commute128 min14% above
Works from home118.9%52% above
Commutes by transit1County figure0.4%48% below
04

Who lives here

Household size is 3.1, 25% above the median place.

Household size1
3.1
25% above the median place
Homes with broadband1
96.1%
4% above the median place
Bachelor's or higher1
40.2%
26% above the median place

More about who lives here, against the typical place

No health insurance8.1% +27%
High school or higher93.7% +1%
Median age40.2 +3%
All 9 people measures
MeasureSt. PaulAmong 6,645 placesVs median
Population18796646th largest
Population change since 202061.0%11% below
Median age140.23% above
Bachelor's or higher140.2%26% above
High school or higher193.7%1% above
Household size13.125% above
Born abroad1County figure23.3%164% above
No health insurance18.1%27% above
Homes with broadband196.1%4% above
05

Life in St. Paul

69 sites are on the National Register of Historic Places.

Businesses per 10,000 residents (county figures)

Restaurants and bars22.3 +7%
Shops26.3 −13%
Arts, recreation and fitness4.7 +15%
Doctors' offices and clinics34.3 +70%
Child care centers2.4 +4%

Counts businesses with paid staff, so small owner-run shops are not included.

Public school students10
227,561
above the median place (median 4,897)
Public schools10
299
above the median place (median 9)
Doctors' offices and clinics per 10k8
34.3
70% above the median place
All 9 schools and local life measures
MeasureSt. PaulAmong 6,645 placesVs median
Public schools10County figure299above (median 9)
Public school students10County figure227,561above (median 4,897)
Students per teacher10County figure15.21% below
Restaurants and bars per 10k8County figure22.37% above
Shops per 10k8County figure26.313% below
Arts, recreation and fitness per 10k8County figure4.715% above
Doctors' offices and clinics per 10k8County figure34.370% above
Child care centers per 10k8County figure2.44% above
National Register listings9County figure69above (median 13)
06

Safety, weather and risk

Tornado risk is 99.9, 23% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached St. Paul. Larger places are fetched first.

Tornado risk12
99.9
23% above the median place
July average high11
94°F
9% above the median place
Natural hazard risk12
98.9
7% above the median place
All 11 weather and risk measures
MeasureSt. PaulAmong 6,645 placesVs median
July average high11County figure94°F9% above
January average low11County figure34°F36% above
Average temperature11County figure65°F18% above
Annual precipitation11County figure41.1 in6% below
Natural hazard risk12County figure98.97% above
Hurricane risk12County figure59.715% below
Tornado risk12County figure99.923% above
Wildfire risk12County figure81.032% above
Heat wave risk12County figure97.78% above
Median air quality index13County figure407% below
Good air days13County figure75.8%11% above
08

St. Paul in 2030: where the trends point

If recent trends hold, the median rent will take about 26% of the median income in 2030, up from 25% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$2,667/mo (2024)$3,480/mo$2,860 to $4,250/mo+4.6%
Median household income$127,500 (2024)$159,500$135,000 to $189,000+3.8%
Median home value$494,300 (2024)$715,000$519,000 to $985,000+6.3%
Population994 (2025)1,010960 to 1,050+0.2%

The median home would be worth 4.5 years of the median income in 2030, against 3.9 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like St. Paul

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Country Walk, FL$2,732$124,540Compare
Union Beach, NJ$2,567$119,250Compare
Port Jefferson Station, NY$2,411$120,734Compare
Bohemia, NY$2,582$125,781Compare
Bohemia, NYPort Jefferson Station, NYUnion Beach, NJCountry Walk, FLSt. Paul, TXSt. PaulCountry WalkUnion BeachBohemiaSt. PaulCountry WalkUnion BeachBohemia

Common questions

Is St. Paul a good place to live?

It depends on what you need, so here is what the numbers say. Only 0% of renter households spend 30% or more of income on rent, a lower share than in 98% of the 2,214 places under 10,000 people we track. It is the lowest of 379 Texas places. 96% of homes are owner-occupied, more than in 97% of places its size. See how it ranks with your own weights.

Is St. Paul expensive to live in?

The median rent takes 25.1% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $494,300.

What salary do you need to live in St. Paul?

To rent the median home without spending more than 30% of income on rent, a household needs about $106,680 a year. Work it out from your current city.

What places are similar to St. Paul?

On income, rent, home value, education and age, the closest matches are Country Walk, FL, Union Beach, NJ, Port Jefferson Station, NY and Bohemia, NY.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  5. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  6. Population Estimates · US Census Bureau · Vintage 2025
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  10. Common Core of Data · National Center for Education Statistics · 2024 release
  11. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  12. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  13. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares St. Paul with places of a similar size, using only figures measured for St. Paul itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/saint-paul-texas

Citytistics. “St. Paul, Texas.” Data as of 2026-11-14. https://www.citytistics.com/city/saint-paul-texas/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.