# Living in St. Paul, TX: Realust Score 86

> Source: Realust (realust.com), data as of October 2026. Cite: https://realust.com/city/st-paul/

URL: https://realust.com/city/st-paul/
County: Collin
Realust Score: 86/100 (A-, Great), tied for #19 of 84. Base 84 + price-tier bonus 2.
Category scores: Prosperity 84, Schools 89, Safety 89, Lifestyle 86, Market 100, Affordability 74, Commute 59, Growth 61
Median home price: $585K
Population: 879
Market momentum: Stable (home prices +1.9% over 1 year, +27.3% over 5 years)

St. Paul, TX is a tiny, close-knit rural town in Collin County that reads as quiet, agricultural, and community-focused—think farmsteads, large lots, and a slow pace rather than suburban sprawl. Life there centers on privacy, space, and small-town ties: homes are often older country properties or hobby-acreage parcels, commercial options inside town are minimal, and residents routinely drive to nearby Anna, Van Alstyne, or Sherman for groceries, dining, and services. Commutes to Plano, McKinney, or Dallas are longer and rely on state highways and two-lane roads, so peak traffic and distance are real considerations; many who choose St. Paul accept those tradeoffs for land, lower immediate density, and a quieter lifestyle. Schooling and local services are limited—verify district and campus assignments for any address—and the net is straightforward: you get genuine rural character and space in exchange for fewer in-town amenities and reliance on nearby towns for most daily needs.

Strengths:
- Large properties with privacy – More land and separation than most suburbs
- Excellent school access – Wylie ISD is a major reason families move here
- Strong home value stability – Limited size and desirability help maintain property values

Trade-offs:
- Very limited retail or restaurants in town – Nearly all amenities are in neighboring cities
- Limited housing variety – Mostly single-family estate homes
- Growth pressure in surrounding areas – Traffic in nearby Wylie and Murphy can spill over

Data:
- Demographics / Population: Total Population 879; People per sq mile 613; 5-Year Growth +1.6%
- Demographics / Mobility & Migration: Moved Last Year 5.8%; Same Home 1+ Year 94.2%; From Out of State 2.6%; From Different County 0.3%
- Demographics / Age Distribution: Under 18 25.0%; 25-34 6.9%; 35-44 14.7%; 65+ 12.7%; Median Age 40.2 years
- Demographics / Households: Avg Household Size 3.1; Family Households 83.3%; Homeownership Rate 95.7%; With Kids 40.4%; Married 70.9%; Single Parent 2.1%; Living Alone 12.4%; Seniors Alone 5.0%
- Demographics / Education Level: High School+ 93.7%; Bachelor's+ 40.2%; Graduate Degree 10.8%
- Demographics / Connectivity & Remote Work: Broadband Access 96.1%; Have Computer 98.9%
- Real Estate / Home Prices: Per Sq Ft $130; Starter Home $104,900; Median Price $584,535; Premium Home $289,900
- Real Estate / Home Price Trends: 1-Year Change +1.9%; 5-Year Change +27.3%
- Real Estate / Market Health: Active Listings 198; Median Days on Market 86; Under Contract 32.4%; Sale-to-List Ratio 94%
- Real Estate / Market Insights: Seller's market 2.1 mo; Income to Buy 4.6x; vs Region Avg -42%
- Real Estate / Fit Scores: Remote Work Fit 47; Family Fit 35
- Real Estate / Typical Home: Sq Ft 1,522; Beds 2.5; Baths 2; Lot Sq Ft 115,870; Year Built 1997
- Real Estate / Property Mix: Single Family 50%; Townhome 0%; Condo 0%
- Real Estate / Common Features: Single Story 100%; Central Air 100%
- Real Estate / Costs & Ownership: Est. Monthly Payment $3,238; Have HOA 0%
- Real Estate / Investment Indicators: Rental Vacancy 0%; New Construction 0%; Per Bedroom $115,960
- Lifestyle / Lifestyle Scores: Area Feel Rural; Family Friendly 8; Outdoor Activities 6; Nightlife 4.7; Health & Fitness 6; Diversity 6.7; Weather 6.7
- Lifestyle / Nearby Amenities (within 5 miles): Restaurants 60+; Parks 60+; Gyms 34; Grocery 6; Coffee 48; Bars 16; Theaters 1; Daycares 60+; Hospitals 6; Pharmacies 22; Dentists 60+; Libraries 4; Dog Parks 60+; Museums 5
- Lifestyle / Getting Around: Walk Score 4; Bike Score 25
- Lifestyle / Seasonal Temperatures (high / low): January 56° / 39°; April 74° / 55°; July 94° / 77°; October 77° / 58°
- Lifestyle / Annual Conditions: Sunny Days/Year 218; Rainy Days/Year 147; Annual Rainfall 53.3"
- Crime & Safety / Safety Overview: Violent crime (per 1,000) 0.6; Property crime (per 1,000) 5.1
- Crime & Safety / Violent Crime (per 100,000): Assault 0; Robbery 0; Murder 3.13; Rape 0
- Crime & Safety / Property Crime (per 100,000): Burglary 0; Theft 0; Vehicle Theft 0
- Job Market / Income: Median Household $127,500; Average Household $148,492; Per Capita $49,719
- Job Market / Employment: Unemployment Rate 0.9%; Job Growth (1 yr) +0.8%; Poverty Rate 13.4%
- Job Market / Income Distribution: $150k+ 42.2%; $100k-$150k 22.3%; $75k-$100k 12.8%; $50k-$75k 3.2%; $25k-$50k 8.9%; Under $25k 10.7%
- Education / School District: Primary district Wylie ISD; District Grade A; State Ranking Top 7%
- Education / Schools: Elementary 4; Middle 2; High School 1
- Education / Academic Info: Student-Teacher Ratio 15.8:1
- Education / Graduation Rates (Class of 2024): Graduation Rate 99.0%; Dropout Rate 0.4%
- Education / College Readiness (Class of 2023): Took SAT/ACT 93%; College Ready 29.8%; TSI Ready 46.9%
- Transportation / Mobility Scores: Walk Score 4; Bike Score 25
- Transportation / Commute: Avg Minutes 28; Drive Alone 100.0%
- Transportation / Distance To: Downtown Dallas 30.9 mi; DFW Airport 40.2 mi; Love Field 30.9 mi
- Cost of Living / Cost Index (100 = National Average): Overall 100; Housing 113; Utilities 97; Groceries 100; Transportation 102; Healthcare 100
- Cost of Living / Monthly Utilities: Electric $142; Water $52; Gas $44; Internet $72
- Cost of Living / Everyday Costs: Monthly Groceries (Family of 4) $823; Gas Price (per gallon) $2.82
- Cost of Living / Taxes: Sales Tax Rate 8.3%; Property Tax Rate 2.2%

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