55126 — Ramsey County, Minnesota Market Snapshot
Housing market data for zip code 55126 in Ramsey County, Minnesota. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Ramsey County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$139,900
Days to Sell
38
Homes Sold
5
Inventory
8
Conforming Loan Available
Most homebuyers in 55126 can comfortably use conventional financing. The median home price of $139,900 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
55126's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 55126 can comfortably use conventional financing. The median home price of $139,900 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 55126 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 55126
To purchase the median home at $139,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,222.
Monthly Payment
$1,222
Income Required
$52,366
Principal & Interest
$862/mo
Down Payment (5%)
$6,995
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 55126.
Estimated Monthly Payment
$1,016
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