55418 — Ramsey County, Minnesota Market Snapshot
Housing market data for zip code 55418 in Ramsey County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
109 sales in 2026 (year to date)
Median Sale Price
$368,000
Days to Sell
15
Homes Sold
109
Inventory
75
Sale-to-List
102.6%
New Listings
173
Price/SqFt
$227
Pending Sales
137
Conforming Loan Available
Most homebuyers in 55418 can comfortably use conventional financing. The median home price of $368,000 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 55418 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 55418 are selling 2.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 55418 can comfortably use conventional financing. The median home price of $368,000 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 55418 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 55418
To purchase the median home at $368,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,970.
Monthly Payment
$2,970
Income Required
$127,264
Principal & Interest
$2,268/mo
Down Payment (5%)
$18,400
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 55418.
Estimated Monthly Payment
$2,427
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