Mold Removal Cost And Risk In ZIP 55103, St. Paul MN

A typical professional mold job in ZIP 55103, St. Paul runs about $1,550 to $6,300 before rebuild. Half the homes here were built before 1960, older than the Ramsey County median of 1965.

1960Median year homes were built

82%Homes built before 1980

58%Homes rented, not owned

$240,400Median home value

$1,040Median gross rent

5,652Housing units

Neighborhood figures for ZIP Code Tabulation Area 55103 from Census ACS 2019 to 2023. Remediation pay in this metro is $28.44 an hour, BLS May 2025 wage survey.

82 percent of homes in 55103 went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out.

Most homes here are rented, 58 percent against 39 percent across Ramsey County. A renter's policy covers belongings and liability, while the owner's policy covers the building.

The top of a typical mold job here, $6,300, is about 2.6 percent of the median home value of $240,400.

Typical Prices In 55103

JobSizeNational Range55103 Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,550 to $6,300
Mold Remediationan attic$2,000 to $7,500$2,100 to $7,850
Mold Inspection and Testinga visual inspection$200 to $600$200 to $650
Mold Inspection and Testingan inspection with samples$300 to $1,000$300 to $1,050
Mold Inspection and Testinga clearance test$300 to $800$300 to $850

Estimate is the national range times 104.8 divided by 100, the price level for Minneapolis-St. Paul-Bloomington, MN-WI, rounded to $50. National ranges from Remediational cost guide, price level from BEA Regional Price Parities 2024.

The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $6,300, that cap falls short by about $1,300 at the top of that range. Read the form

Water Hazards FEMA Rates For Ramsey County

FEMA rates Ramsey County high for inland flooding, cold wave, winter weather. Water from these events is where mold claims start, and flood water is a separate policy. FloodSmart says mold damage is not covered under standard NFIP flood policies. FloodSmart

HazardFEMA Risk Rating
Inland floodingRelatively High
Coastal floodingNot Applicable
HurricaneNot Applicable
Cold waveVery High
Winter weatherRelatively High

Source FEMA National Risk Index, December 2025, county level.

Minnesota Rules On Mold

Nearby ZIP Codes In Ramsey County

Part of St. Paul, Ramsey County, Minnesota.

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55103, MN Area

St. Paul, Ramsey County