55125 — Ramsey County, Minnesota Market Snapshot
Housing market data for zip code 55125 in Ramsey County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$278,250
Days to Sell
30
Homes Sold
42
Inventory
40
Sale-to-List
98.6%
New Listings
76
Price/SqFt
$193
Pending Sales
66
Conforming Loan Available
Most homebuyers in 55125 can comfortably use conventional financing. The median home price of $278,250 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
55125's market is balanced with homes taking an average of 30 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 55125 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55125 can comfortably use conventional financing. The median home price of $278,250 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 55125 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 55125
To purchase the median home at $278,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,282.
Monthly Payment
$2,282
Income Required
$97,794
Principal & Interest
$1,714/mo
Down Payment (5%)
$13,913
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 55125.
Estimated Monthly Payment
$1,872
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 55125. Tell us what you're looking for.