55117 — Ramsey County, Minnesota Market Snapshot
Housing market data for zip code 55117 in Ramsey County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
92 sales in 2026 (year to date)
Median Sale Price
$313,500
Days to Sell
20
Homes Sold
92
Inventory
51
Sale-to-List
101.2%
New Listings
120
Price/SqFt
$192
Pending Sales
100
Conforming Loan Available
Most homebuyers in 55117 can comfortably use conventional financing. The median home price of $313,500 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 55117 are moving quickly at 20 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 55117 (101.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55117 can comfortably use conventional financing. The median home price of $313,500 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 55117 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 55117
To purchase the median home at $313,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,552.
Monthly Payment
$2,552
Income Required
$109,369
Principal & Interest
$1,932/mo
Down Payment (5%)
$15,675
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 55117.
Estimated Monthly Payment
$2,090
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