MN mortgage rates

Ramsey County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Ramsey County, Minnesota. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Ramsey County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$552,000
2 units$706,650
3 units$854,200
4 units$1,061,550

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Ramsey County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Ramsey

A local view of the market.

The real estate market in Ramsey County, Minnesota, is experiencing a slight decline in home values, with the average home value at $322,938, marking a decrease of 0.1% over the past year. Homes in the county typically go pending in about 19 days, indicating a relatively brisk market pace. Ramsey County is home to several prominent cities, with St. Paul being the largest, boasting a population of approximately 301,380. Other notable cities include Maplewood, with a population of 39,270, and Roseville, which has around 35,196 residents. Living in Ramsey County offers a mix of suburban and urban experiences, with the area being the most densely populated and racially diverse in Minnesota. The county is primarily suburban, with a strong presence of industries such as healthcare, education, and manufacturing. Migration patterns show a net loss of residents recently, possibly due to domestic out-migration to neighboring suburban areas that offer more space and potentially lower living costs.

County snapshot

Market context.

MN

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaMinneapolis-St. Paul-BloomingtonMapped market area
Area code33460CBSA / MSA reference
Featured communitiesRoseville · Maplewood · White Bear LakeFrom the county record
Data year2026Aligned with this limit record
RosevilleMaplewoodWhite Bear Lake
Top cities & communities

Communities to explore.

RosevilleMaplewoodWhite Bear LakeShoreviewNew BrightonSt. Paul
Questions & Answers

Refinancing in Ramsey County

Common questions about 2026 loan limits and refinancing opportunities in Minnesota.

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