55005 — Anoka County, Minnesota Market Snapshot
Housing market data for zip code 55005 in Anoka County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$438,700
Days to Sell
45
Homes Sold
18
Inventory
9
Sale-to-List
99.6%
New Listings
18
Price/SqFt
$212
Pending Sales
15
Conforming Loan Available
Most homebuyers in 55005 can comfortably use conventional financing. The median home price of $438,700 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
55005's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 55005 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55005 can comfortably use conventional financing. The median home price of $438,700 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 55005 are set at the county level.
2026 Loan Limits — Anoka County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $552,000 |
| 2 Units | $1,066,250 | $706,650 |
| 3 Units | $1,288,800 | $854,200 |
| 4 Units | $1,601,750 | $1,061,550 |
Affordability Snapshot — Zip 55005
To purchase the median home at $438,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,511.
Monthly Payment
$3,511
Income Required
$150,479
Principal & Interest
$2,703/mo
Down Payment (5%)
$21,935
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 55005.
Estimated Monthly Payment
$2,865
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