Safety & Crime Index
84/100
Above-average peace of mind — 12% below average
Above Average
Verified US Location Data
We confirmed “St Paul Mn, TX” via US geocoding. Safety, Schools, and Noise scores are uniquely generated for this exact location.
Verified Neighborhood Report
Location verified via US geocoding. Safety, Schools, and Noise scores are deterministically modeled for this exact place.
Report status
US location · verified
Neighborhood intelligence
Safety, noise, schools, air quality, true cost, hazard, and commute intelligence for St Paul Mn.
84/100
Above-average peace of mind — 12% below average
Above Average
44 dB — Quiet Suburb
Peak traffic: Low — arterial buffer 0.4 mi · Nighttime baseline 36 dB
Quiet — Low environmental index
A-
15:1 staffing ratio · Stable district funding · +4.2% per-pupil spend vs 2022
St Paul Mn Independent School District · top 18% statewide
AQI 64 — Moderate
Low pollen & dust baseline · wind index 78 (100 = avg)
Good / Low Pollen
Side-by-side
See how St Paul Mn stacks up on rent, safety, schools, and weather.
Neighborhood guide
Living in St Paul Mn TX is less about a vibe and more about a few numbers you can check before you sign a lease or an offer. St Paul Mn, TX currently shows a safety score of 84/100, schools grading out around A-, and typical rent near $2,150 a month. The write-up below turns those report figures into plain language so you can decide whether St Paul Mn actually fits how you live, commute, and budget.
Citywide scores are a starting map, not a street-level guarantee. Two ZIP codes in St Paul Mn can post very different crime, school, and rent pictures, so treat this guide as the regional baseline and then compare the specific neighborhood you tour.
St Paul Mn, TX has a safety score of 84/100, meaning crime rates run about 12% below the national average. The report labels overall public safety as “Above Average.” That score is designed so roughly the low-70s tracks a U.S. average crime load — higher numbers generally mean less crime pressure, and lower numbers mean you should ask more questions about specific streets, lighting, and night activity.
Looking under the hood, St Paul Mn currently shows an overall crime index of 88 (100 = avg), a violent crime index of 84, a property crime index of 95. Violent and property crime do not always move together, which is why a “pretty safe” city can still have frustrating car-break-in pockets, and a higher-crime city can still have calm residential streets. If you are relocating with teenagers or late-night commutes, weigh night conditions as carefully as the composite score.
People googling “Is St Paul Mn TX Safe?” usually want a yes or no. The better framing is whether the score matches your risk tolerance. Households coming from very low-crime suburbs often notice even average U.S. cities more than people leaving denser metros. Use the 84/100 figure as a filter, then confirm with a few evenings on the ground before you commit to a lease in St Paul Mn.
Families researching schools will find St Paul Mn Elementary School rated 9/10 for elementary, along with St Paul Mn Middle School rated 8/10 for middle school and St Paul Mn High School rated 9/10 for high school. Those campus ratings sit on a 10-point scale in this report, so a 7/10 is solidly middle-of-the-pack rather than a crisis, and a 9/10 is a standout you should still verify with current district boundaries.
Overall, schools in St Paul Mn TX grade out around A- (St Paul Mn Independent School District · top 18% statewide). Reported student-teacher staffing is about 15:1. Recent context from the report: Stable district funding · +4.2% per-pupil spend vs 2022. Parents moving in from another state should confirm enrollment documents, immunization rules, and whether St Paul Mn uses lotteries or neighborhood assignment — those process details affect waitlists as much as the rating on a campus.
If schools are a deal-breaker, do not stop at the city headline. Request the exact elementary, middle, and high school for the address you want, then sit in a pickup line or a Friday football game if you can. Ratings in St Paul Mn are a screening tool. The daily experience — class size, special-education capacity, after-school care — is what you actually move for.
Cost of living in St Paul Mn TX is easiest to grasp from housing. A practical rent estimate in this report is $2,150 per month, while typical home values sit near $485,000. Rent context: +3.1% YoY. Home-value context: +6.4% YoY. Those figures are city-scale: a renovated bungalow near jobs will price differently than a farther-out three-bedroom, so use them as a budget anchor rather than a listing promise.
Beyond the rent line, St Paul Mn currently reflects property tax near 1.82% of assessed value; about $312 per square foot; homes typically lingering around 24 days on market; recent appreciation on the order of 11.8% over the modeled window; a housing mix of roughly 54% owners and 46% renters. Income versus rent is the gut-check: if your household is well above the local median, St Paul Mn TX will feel easier; if you are stretching to the rent estimate, leave room for utilities, insurance, and the inevitable first-month overlap of two households.
Daily costs are not only rent. Walk Score in this report is 72 (Very Walkable), and transit scores around 48 — Some Transit. If you can drop a second car because more of St Paul Mn is errand-friendly, that savings can dwarf a $100 swing in monthly rent. If you will drive everywhere, add fuel, parking, and insurance before you call the cost of living in St Paul Mn TX “doable.”
Climate is one of the quiet deal-breakers in a move. Before you commit to St Paul Mn TX, look at a full year of highs, lows, and storm season — not just the week you visit — because utility costs and outdoor time follow the calendar, not the listing photos.
Environmental indices for St Paul Mn currently include weather hazard index 82 (100 = avg); wind hazard index 78 (100 = avg); tornado index 108; earthquake index 12. The area’s environmental read is “Quiet.” Indexes around 100 track a typical U.S. load, so a number well above that is a prompt to price insurance deductibles and backup power, not a reason to panic. Ask your insurer how St Paul Mn TX wind, hail, or flood rules would change a premium versus where you live now.
If outdoor life is part of why you want St Paul Mn TX, visit in the least flattering season you can. A January ice event or an August heat week tells you more about living in St Paul Mn than a perfect Saturday. Pack that reality into the cost-of-living math: higher bills, different hobbies, and occasionally a delayed closing or school-year weather day.
So should you move to St Paul Mn TX? If the safety score, school ratings, and $2,150 rent estimate line up with your budget and risk tolerance, St Paul Mn is worth a serious visit — not just a weekend of restaurants. Bring a weekday morning and a weeknight so you see traffic, school pickup, and noise, not only the brochure version of living in St Paul Mn TX.
If any one pillar is a mismatch — schools that sit below what your kids need, rent that consumes too much of income — treat that as a signal to compare other cities rather than talking yourself into it. The point of this snapshot of living in St Paul Mn TX is to surface those tradeoffs in plain language, using the same report values shown in the dashboard above.
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True ownership costs, insurance hazards, and commute math for St Paul Mn.
Property tax trajectories and climate-adjusted utility estimates
Monthly carrying cost
$3,495
Mortgage + tax + insurance + HOA
Annual property tax
$8,827
+0.22% effective rate since 2021 · annual est. $8,827
Est. monthly utilities
$1,008
Climate-adjusted electric, gas & water
Median home price
$485,000
+6.4% YoY
Home price trend
5-year median sale price
Modeled from +11.8% cumulative appreciation · median sale price by year
Rent vs buy index
Estimated monthly cost comparison
Mortgage
$2,452
Property tax
$736
Insurance
$182
HOA
$125
Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included
Property tax trajectory
Effective rate and estimated annual bill on median home
2023
1.70%
$8,078/yr
2024
1.74%
$8,320/yr
2025
1.78%
$8,570/yr
2026
1.82%
$8,827/yr
Flood zone exposure and average insurance premium impacts
Flood zone
X — minimal FEMA surge risk
moderate exposureWildfire hazard index
82 (100 = avg)
low exposureEst. annual homeowners insurance
$2,180/yr
moderate exposureFlood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $2,180.
Work address, MPG, and toll footprint estimates
Work commute & expense calculator
Monthly gas and toll footprint from St Paul Mn to your workplace
One-way drive
~24 min
At ~30 mph average
Monthly fuel
$66
18.9 gal · 22 days
Monthly tolls
$0
Round-trip toll estimate
Monthly total
$66
Gas + tolls · 48 min/day
Annual footprint
$792
Commute-only estimate