Español

Este sitio también está en español. Leer en español

City · 9,658 residents · Ramsey County, Minnesota

Arden Hills , Minnesota

In Arden Hills, a typical home is worth $441,900 and typical rent is $1,710 a month. Compared with all of Ramsey County, typical household income is 64% higher, the typical home value is 35% higher, and the share of households that own their home is 21 points higher.

WhatsApp

  • Typical home value

    $441,900

    35% above the county

    34% above Minnesota

    • Arden Hills
    • Ramsey
    • Minnesota

  • Typical rent

    $1,710a month

    29% above the county

    34% above Minnesota

    • Arden Hills
    • Ramsey
    • Minnesota

  • Typical household income

    $134,118a year

    64% above the county

    51% above Minnesota

    • Arden Hills
    • Ramsey
    • Minnesota

  • Households that own their home

    82%

    21 points above the county

    10 points above Minnesota

    • Arden Hills
    • Ramsey
    • Minnesota

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$476,467
2.8% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Arden Hills is in Ramsey County. The FHA loan limit ($552,000 for a one-unit home), the fair market rents and the help on this page are those of all of Ramsey County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Arden Hills apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Arden Hills is $134,118, 64% more than in Ramsey County as a whole ($81,568).

  2. 82% of households in Arden Hills own their home, against 61% in Ramsey County.

  3. The typical home in Arden Hills is worth $441,900, 35% more than in Ramsey County as a whole ($326,600).

  4. Nearby, in Mounds View, the typical rent is $1,245: 27% less than in Arden Hills ($1,710).

  5. Nearby, in Mounds View, the typical home value is $324,200: 27% less than in Arden Hills ($441,900).

  6. The typical rent in Arden Hills is $1,710 a month, 29% more than in Ramsey County as a whole ($1,329).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Arden Hills

What homes there are in Arden Hills, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Arden Hills: 63% of homes, more than in Ramsey County (52%).

In Arden Hills there are many mobile homes: 9% of homes; in Ramsey County, 1%.

Year built

The typical home in Arden Hills was built in 1978, 13 years after the typical one in Ramsey County.

There is more room for a big family here: 76% of homes have 3 bedrooms or more, against 50% in Ramsey County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,513 a month

Ramsey County: $1,975 a month

Without a mortgage

$932 a month

Ramsey County: $785 a month

Owners with a mortgage

61%

Ramsey County: 65%

Owning costs more in Arden Hills: with a mortgage, the typical cost is $2,513 a month; in Ramsey County, $1,975. Without one, $932.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Arden Hills gained value faster than in Ramsey County: 51% against 42%.

Since 2015–2019, the typical rent in Arden Hills did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureArden HillsRamsey CountyMinnesotaUnited States
Rental vacancy Unreliable estimate6.1%5.3%5.5%
Homeowner vacancy Unreliable estimate0.7%0.6%0.9%
More than one person per room Unreliable estimate4.0%2.3%3.4%
People per household 2.752.382.432.53
Drive alone 57%63%69%69%
Carpool 6%8%8%9%
Public transit Unreliable estimate4%2%3%
Walk or bike 7%4%3%3%
Work from home 27%21%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Arden Hills are bigger: 2.75 people on average; in Ramsey County, 2.38.

Many people here do not commute at all: 27% work from home; in Ramsey County, 21%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Arden Hills?

A typical home is tight for the typical income

We start with a typical home in Arden Hills, worth $441,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Arden Hills, which is $134,118 a year. For that payment to be 28% of income, a household would need to earn about $160,390 a year.

The calculator's FHA and conventional loan limits are those of all of Ramsey County.

Your numbers

Local data
$

Starts at the typical home value in Arden Hills. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,467 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,742

at 7.18% · 30 years

Loan amount
$433,896
Total interest
$624,274
Paid off in
November 2056

Includes $7,463 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,129 a month

  • Tight

    $3,129 to $4,024 a month

    Your payment · 33%

  • Hard

    more than $4,024 a month

Compared with the typical household income in Arden Hills ($134,118 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,742
Principal & interest$2,939
Property tax$424
Home insurance$184
FHA mortgage insurance (MIP)$195

You need at least $15,467 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Arden Hills and Ramsey County

Arden Hills is in Ramsey County, Minnesota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Arden Hills's own numbers

Typical home value
$441,900
Typical monthly rent
$1,710
Typical yearly household income
$134,118
Households that own their home
82%
Effective property tax rate
1.15%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Ramsey County

FHA limit, one-unit home
$552,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+31%
Homes in a high flood-risk zone
0.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Ramsey County.

Everything about Ramsey County

Buying

Buying a home in Arden Hills

A typical home in Arden Hills is worth $441,900: 35% above the county and 34% above Minnesota. With the typical household income in Arden Hills ($134,118 a year), a typical home costs 3.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Arden Hills 3.3 years
  • Ramsey 4.0 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ramsey County

According to FHFA’s house price index, home prices in Ramsey County rose 70% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Ramsey County.

Period County Minnesota U.S.
Last year (2025) +2.9% +2.8% +2.9%
5 years (2020–2025) +31% +37% +47%
10 years (2015–2025) +70% +71% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Arden Hills next to Ramsey County, Minnesota and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Arden Hills $441,900
  • Ramsey $326,600
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Arden Hills $1,710
  • Ramsey $1,329
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Arden Hills $134,118
  • Ramsey $81,568
  • Minnesota $89,062
  • United States $80,734
See the full table
Arden Hills next to Ramsey County and Minnesota
Measure Arden Hills Ramsey County Minnesota U.S.
Typical home value $441,900 $326,600 $329,300 $332,700
Typical monthly rent $1,710 $1,329 $1,280 $1,413
Typical yearly household income $134,118 $81,568 $89,062 $80,734
Households that own their home 82% 61% 72% 65%
Typical yearly property tax $5,072 $3,966 $3,357 $3,119
Effective property tax rate 1.15% 1.21% 1.02% 0.94%
Renters with high rent for their income 52% 51% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ramsey County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Arden Hills

For a typical $441,900 home in Arden Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Arden Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,742a month

    Least cash to close
    Down payment
    $15,467
    Cash to close
    $28,724
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $195

  • Conventional, 5% down $3,661a month

    Down payment
    $22,095
    Cash to close
    $35,352
    Rate
    7.18%
    Mortgage insurance
    PMI · $210

  • Conventional, 20% down, no PMI $3,002a month

    Down payment
    $88,380
    Cash to close
    $101,637
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,411a month

    Down payment
    $66,285
    Cash to close
    $79,542
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Arden Hills and for Ramsey County.

Property tax

Effective rate in Arden Hills

1.15%of the home’s value each year

$5,072 a year for the typical owner in Arden Hills.

  • Arden Hills 1.15%
  • Ramsey 1.21%
  • Minnesota 1.02%

What Minnesota publishes Homestead market value exclusion (Minnesota Office of the Revisor of Statutes (Minnesota Statutes))

Exemptions and deadlines in Minnesota

Flood risk in Ramsey County

FEMA does not publish these numbers by city: they are for all of Ramsey County.

Homes in the high-risk zone
0.5%
707
Of those, with NFIP insurance
5.7%
County Minnesota U.S.
Homes in the high-risk zone 0.5% 0.7% 3.5%
Of those, with NFIP insurance 5.7% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Arden Hills

Typical rent in Arden Hills is $1,710 a month: 29% above the county. In Arden Hills, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ramsey County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 an hour working full time.

HUD fair market rent for all of Ramsey County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,265 $24.33 $50,600
1 bedroom $1,427 $27.44 $57,080
2 bedrooms $1,734 $33.35 $69,360
3 bedrooms $2,264 $43.54 $90,560
4 bedrooms $2,538 $48.81 $101,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Arden Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Arden Hills has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,630 in 55112 to $1,910 in 55126.

1 of the 2 is above the fair market rent for Ramsey County ($1,734).

  • 55112 $1,630$2,130
  • 55126 $1,910$2,490

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Arden Hills when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Arden Hills

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 8 HUD-approved agencies with an office in Ramsey County; 5 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Arden Hills

No down payment, repair or rent-help program on our list is for Arden Hills or Ramsey County. The ones below are statewide in Minnesota: they work in Arden Hills the same as in the rest of the state.

Which programs do I qualify for? All programs in Minnesota

  • Deferred Payment Loan (Start Up)

    Statewide in Minnesota

    Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Deferred

    See the program Official page

  • Monthly Payment Loan

    Statewide in Minnesota

    Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Repayable

    See the program Official page

Housing counselors near Arden Hills

The HUD-approved agencies closest to the center of Arden Hills, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Navicore Solutions-Roseville, MN

    1700 Highway 36 W Ste 510, Roseville · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 472-4557

  • Anoka County Community Action Program, Inc

    1201 89th Ave NE Ste 345, Blaine · 6 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    763-783-4747x4851

  • NSC (naca Counseling Subsidiary) - Minneapolis, MN

    6300 Shingle Creek Pkwy Ste 145, Brooklyn Center · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (763) 656-6222

Every agency in Ramsey County All counseling agencies in Minnesota

Help in Spanish near Arden Hills

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Arden Hills

In HUD’s record, no housing authority with an office in Ramsey County is named for Arden Hills or Ramsey County.

4 other authorities have an office in Ramsey County: see the list Source: HUD

Cities

Other cities in Ramsey County

These cities are also in Ramsey County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Ramsey County Housing in Minnesota

Nearby cities

The cities closest to Arden Hills, with the typical home value.

Neighboring counties

If Ramsey County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Arden Hills.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Arden Hills

Short answers with the numbers for Arden Hills and all of Ramsey County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Arden Hills?

The typical home value in Arden Hills is $441,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ramsey County it is $326,600.

How much does it cost to rent in Arden Hills?

Typical rent in Arden Hills is $1,710 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ramsey County is $1,734.

What is the FHA loan limit in Arden Hills?

Arden Hills uses the FHA limit for all of Ramsey County (2026): $552,000 for a one-unit home and $1,061,550 for a four-unit home.

How much property tax do owners pay in Arden Hills?

The typical homeowner in Arden Hills pays $5,072 a year, according to the U.S. Census Bureau. That is 1.15% of the home’s value; in Ramsey County, the rate is 1.21%.

Where can I find free help to buy or rent in Arden Hills?

There are 8 HUD-approved counseling agencies with an office in Ramsey County. 5 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).