Ramsey County, MN Average Home Price (2026)
The average home price in Ramsey County, Minnesota is about $300,000 (the 2026 median across 19 ZIP codes, at ~$201/sq ft) — 1% more expensive than the Minnesota median and 4% more expensive than the typical U.S. home.
How Ramsey County compares
Ramsey County is about average for housing nationally: its typical home costs $300,000 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $179,000 to $468,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Ramsey County | $300,000 | $201 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Cities in Ramsey County
Cities with their own home-value page, largest first:
Ramsey County home prices by ZIP code
The 15 most valuable ZIP codes in Ramsey County (of 19 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 55105 Saint Paul | $468,000 | $268 | +56% |
| 55127 Vadnais Heights | $464,000 | $226 | +55% |
| 55116 Saint Paul | $450,000 | $264 | +50% |
| 55126 Shoreview | $410,000 | $205 | +37% |
| 55108 Falcon Heights | $383,000 | $235 | +28% |
| 55110 White Bear Lake | $380,000 | $209 | +27% |
| 55112 New Brighton | $377,000 | $196 | +26% |
| 55113 Roseville | $373,000 | $200 | +24% |
| 55109 Maplewood | $336,000 | $185 | +12% |
| 55104 Saint Paul | $300,000 | $205 | +0% |
| 55119 Maplewood | $298,000 | $178 | -1% |
| 55117 Saint Paul | $295,000 | $181 | -2% |
| 55102 Saint Paul | $281,000 | $214 | -6% |
| 55114 Saint Paul | $278,000 | $235 | -7% |
| 55107 Saint Paul | $266,000 | $183 | -11% |
Home value appreciation in Ramsey County
Home prices in Ramsey County have risen about 70% over the last 10 years (≈5.4% a year) and +47.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.9% — still rising. A home worth $300,000 today was worth roughly $176,887 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Minnesota is +71.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Ramsey County
Run the numbers for Ramsey County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Ramsey County
To buy the typical $300,000 home in Ramsey County with 20% down, you need a household income of roughly $82,000 a year (about $1,900 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $97,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,000 | $2,370/mo | $101,000/yr |
| 10% (+PMI) | $30,000 | $2,260/mo | $97,000/yr |
| 20% | $60,000 | $1,900/mo | $82,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Ramsey County
At about $201 per square foot, here is roughly how much home different budgets get you in Ramsey County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 750 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1000 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1240 sq ft | around the typical home here |
| $300k | 1490 sq ft | around the typical home here |
| $400k | 1990 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Minnesota.
Estimate a specific home in Ramsey County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Ramsey County home prices: frequently asked
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Browse all Minnesota cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.