Minneapolis / St. Paul
St. Paul has 307,284 residents (give or take 47) (ACS 2020-2024 5-year, table B01003, https://data.census.gov/table/ACSDT5Y2024.B01003?g=160XX00US2758000, checked 2026-10-19), about 5,912 people per square mile.
St. Paul is about 8 miles from the Census center point for Minneapolis in a straight line and covers 51.98 square miles of land (Census 2024 Gazetteer internal points and land area, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/, checked 2026-10-19).
The quote form takes a ZIP code; for St. Paul that is 55101, 55102, 55103, 55104, 55105, 55106, 55107, 55108 and 6 more (Census 2020 ZCTA to county subdivision and ZCTA to place relationship files, ZIP areas at least 20% inside the town, https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_cousub20_natl.txt and https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_place20_natl.txt, checked 2026-10-19).
Median household income in St. Paul is $73,394 (ACS 2020-2024 5-year, table B19013, https://data.census.gov/table/ACSDT5Y2024.B19013?g=160XX00US2758000, checked 2026-10-19); many state and utility heat pump rebate programs set higher incentive tiers for income-qualifying households, so the household income on the application, not the town median, decides which level applies.
5,912 people per square mile puts St. Paul in suburban density, where the outdoor unit usually sits in a side yard and the noise is not an issue for neighbors.
48% of St. Paul homes are single-family detached, 10% are in two- to four-unit buildings and 37% are in buildings of five or more units (ACS 2020-2024 5-year, table B25024, https://data.census.gov/table/ACSDT5Y2024.B25024?g=160XX00US2758000, checked 2026-10-19).
47% of St. Paul homes are rented (ACS 2020-2024 5-year, table B25003, https://data.census.gov/table/ACSDT5Y2024.B25003?g=160XX00US2758000, checked 2026-10-19), so beside the 48% detached houses there is a real share of jobs where the landlord, not the resident, signs the quote.
47% of St. Paul homes are rented (ACS 2020-2024 5-year, table B25003, https://data.census.gov/table/ACSDT5Y2024.B25003?g=160XX00US2758000, checked 2026-10-19), so the market splits between resident-led jobs where the occupant picks the system and landlord-led jobs where they do not, and the rebate paperwork differs.
Of the 125,249 occupied homes in St. Paul, 67% heat with natural gas, 0% with heating oil, 29% with electricity and 1% with propane (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=160XX00US2758000, checked 2026-10-19).
Gas heats 67% of St. Paul against electricity at 29%, so most quotes here are a partial-home system that carries the shoulder seasons and the summer while the gas furnace handles the coldest nights, or a whole-home system when the house is ready for it.
St. Paul has about the Ramsey County oil share of 0% and 4 points more electric heat than the county's 25% (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=050XX00US27123, checked 2026-10-19).
No electric utility is on file for St. Paul on this door yet, so this page does not name one; the name on the bill decides which rebate path applies.
Xcel Energy MN residential rebates 2024-2026, run by Xcel Energy, is a live program for Minnesota addresses and covers qualifying equipment at $2,000 per system (registry row 13 verified 2026-10-15, https://www.xcelenergy.com/staticfiles/xe-responsive/Programs%20and%20Rebates/Residential/24-1-201%20MN%20Res%20Rebate%20Summary%20Information%20Sheet.pdf, checked 2026-10-16); confirm eligibility for the St. Paul address before counting it. With 29% of St. Paul homes already on electric heat and 68% on gas, oil or propane, the row that applies depends on the name on the electric bill and the fuel coming out.
CenterPoint Energy MN ducted ASHP rebate, run by CenterPoint Energy, is a live program for Minnesota addresses and lists a standard figure of $1,100 (registry row 46 verified 2026-10-16, https://www.centerpointenergy.com/en-us/savings-solutions/energy-efficiency/ducted-air-source-heat-pump, checked 2026-10-16); confirm eligibility for the St. Paul address before counting it.
St. Paul has 133,051 housing units, 42% built before 1940 and 78% before 1980, with 11% built in 2000 or later (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=160XX00US2758000, checked 2026-10-19).
St. Paul has 16 points more pre-1940 homes than Ramsey County as a whole (26%) (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=050XX00US27123, checked 2026-10-19). An older stock means more insulation upgrades before the heat pump goes in.
The median St. Paul home was built in 1952 (ACS 2020-2024 5-year, table B25035, https://data.census.gov/table/ACSDT5Y2024.B25035?g=160XX00US2758000, checked 2026-10-19) and the median home has 5 rooms (ACS 2020-2024 5-year, table B25018, https://data.census.gov/table/ACSDT5Y2024.B25018?g=160XX00US2758000, checked 2026-10-19).
42% of St. Paul homes were built before 1940 and 78% before 1980 (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=160XX00US2758000, checked 2026-10-19), so insulation is the first sizing question: an older home leaks more heat per square foot, and the installer runs a room-by-room heat-loss calculation to size the system for what the walls and windows actually hold in, not just the floor plan.
Heating design temperature: -11F. Source: ENERGY STAR Design Temperature Limit Reference Guide (2019 Edition), Ramsey County row, 99% heating, PDF pages 60 to 64 of 141 (Revised 11/11/2020), https://www.energystar.gov/sites/default/files/Design%20Temperature%20Limit%20Reference%20Guide%20(2019%20Ed)%20-%20ENERGY%20STAR%20Single-Family%20New%20Homes_Rev11.pdf, fetched 2026-10-19, 99%.
That -11F figure is the Ramsey County cold-day number a St. Paul heat pump is sized against, so ask the installer to show the system's heating output at -11F, not at the milder rating-label temperature.
Ask whether the quote is whole-home or partial-home, because with 67% of St. Paul on gas and 29% already electric the two paths carry different rebate figures and different sizing.
Ask for the heat-loss calculation room by room; a St. Paul house from before 1940 (42% of the 133,051 units) rarely matches a square-footage rule of thumb.
The form on this page is the follow-up for St. Paul. The public number is the number the contractor quotes from.
No local contractor is named on this door for St. Paul yet. A request from this page goes to the first licensed shop that takes the door.