55109 — Ramsey County, Minnesota Market Snapshot
Housing market data for zip code 55109 in Ramsey County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
90 sales in 2026 (year to date)
Median Sale Price
$340,700
Days to Sell
18
Homes Sold
90
Inventory
56
Sale-to-List
100.4%
New Listings
113
Price/SqFt
$198
Pending Sales
94
Conforming Loan Available
Most homebuyers in 55109 can comfortably use conventional financing. The median home price of $340,700 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
Homes in 55109 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 55109 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55109 can comfortably use conventional financing. The median home price of $340,700 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 55109 are set at the county level.
2026 Loan Limits — Ramsey 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 55109
To purchase the median home at $340,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,760.
Monthly Payment
$2,760
Income Required
$118,300
Principal & Interest
$2,099/mo
Down Payment (5%)
$17,035
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 55109.
Estimated Monthly Payment
$2,259
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