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City · 10,514 residents · Ramsey County, Minnesota

Little Canada , Minnesota

In Little Canada, a typical home is worth $319,800 and typical rent is $1,417 a month. Compared with all of Ramsey County, typical rent is 7% higher and the share of households that own their home is 8 points higher.

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  • Typical home value

    $319,800

    2% below the county

    3% below Minnesota

    • Little Canada
    • Ramsey
    • Minnesota

  • Typical rent

    $1,417a month

    7% above the county

    11% above Minnesota

    • Little Canada
    • Ramsey
    • Minnesota

  • Typical household income

    $77,957a year

    4% below the county

    12% below Minnesota

    • Little Canada
    • Ramsey
    • Minnesota

  • Households that own their home

    68%

    8 points above the county

    4 points below Minnesota

    • Little Canada
    • Ramsey
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$359,263
1.1% more than 12 months ago
Typical rent
$1,390 a month
0.7% more than 12 months ago

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

Little Canada 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 Little Canada apart

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

  1. 68% of households in Little Canada own their home, against 61% in Ramsey County.

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

The homes here

Housing in Little Canada

What homes there are in Little Canada, 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

No kind of home is the majority in Little Canada; the largest group, detached houses, adds up to 38%, less than in Ramsey County (52%).

Year built

Homes in Little Canada are newer: the typical year built is 1979; in Ramsey County, 1965.

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

With an FHA limit of $552,000, at least 91% of owner-occupied homes in Little Canada sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,994 a month

Ramsey County: $1,975 a month

Without a mortgage

$779 a month

Ramsey County: $785 a month

Owners with a mortgage

54%

Ramsey County: 65%

Owning costs about the same in Little Canada as in Ramsey County: with a mortgage, $1,994 a month; without one, $779.

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

The typical home value in Little Canada rose 32% since 2015–2019, less than in Ramsey County (42%).

Rents in Little Canada rose faster than in Ramsey County: 41% since 2015–2019, against 32%.

The typical household income in Little Canada rose 48%: more than home values (+32%) and rent (+41%).

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

MeasureLittle CanadaRamsey 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 2.352.382.432.53
Drive alone 69%63%69%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate4%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 22%21%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Little Canada has 2.35 people on average, about the same as in Ramsey County (2.38).

To get to work, 69% of workers in Little Canada drive alone; in Ramsey County, 63%.

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 Little Canada?

A typical home costs more than the typical income allows

We start with a typical home in Little Canada, worth $319,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Little Canada, which is $77,957 a year. For that payment to be 28% of income, a household would need to earn about $114,702 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 Little Canada. 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 $11,193 (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

$2,676

at 7.18% · 30 years

Loan amount
$314,008
Total interest
$451,783
Paid off in
November 2056

Includes $5,401 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,819 a month

  • Tight

    $1,819 to $2,339 a month

  • Hard

    more than $2,339 a month

    Your payment · 41%

Compared with the typical household income in Little Canada ($77,957 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,676
Principal & interest$2,127
Property tax$275
Home insurance$133
FHA mortgage insurance (MIP)$141

You need at least $11,193 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

Little Canada and Ramsey County

Little Canada 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).

Little Canada's own numbers

Typical home value
$319,800
Typical monthly rent
$1,417
Typical yearly household income
$77,957
Households that own their home
68%
Effective property tax rate
1.03%

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 Little Canada

A typical home in Little Canada is worth $319,800: 2% below the county and 3% below Minnesota. With the typical household income in Little Canada ($77,957 a year), a typical home costs 4.1 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.

  • Little Canada 4.1 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

Little Canada 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
  • Little Canada $319,800
  • Ramsey $326,600
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Little Canada $1,417
  • Ramsey $1,329
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Little Canada $77,957
  • Ramsey $81,568
  • Minnesota $89,062
  • United States $80,734
See the full table
Little Canada next to Ramsey County and Minnesota
Measure Little Canada Ramsey County Minnesota U.S.
Typical home value $319,800 $326,600 $329,300 $332,700
Typical monthly rent $1,417 $1,329 $1,280 $1,413
Typical yearly household income $77,957 $81,568 $89,062 $80,734
Households that own their home 68% 61% 72% 65%
Typical yearly property tax $3,309 $3,966 $3,357 $3,119
Effective property tax rate 1.03% 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 Little Canada

For a typical $319,800 home in Little Canada, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Little Canada's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,676a month

    Least cash to close
    Down payment
    $11,193
    Cash to close
    $20,787
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $141

  • Conventional, 5% down $2,618a month

    Down payment
    $15,990
    Cash to close
    $25,584
    Rate
    7.18%
    Mortgage insurance
    PMI · $152

  • Conventional, 20% down, no PMI $2,141a month

    Down payment
    $63,960
    Cash to close
    $73,554
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,437a month

    Down payment
    $47,970
    Cash to close
    $57,564
    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 Little Canada and for Ramsey County.

Property tax

Effective rate in Little Canada

1.03%of the home’s value each year

$3,309 a year for the typical owner in Little Canada.

  • Little Canada 1.03%
  • 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 Little Canada

Typical rent in Little Canada is $1,417 a month: 7% above the county. In Little Canada, 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 Little Canada

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Little Canada is in ZIP code 55117.

For 2 bedrooms it is $1,540: $194 less than the fair market rent for Ramsey County ($1,734).

  • 55117 $1,540$2,040

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Little Canada 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?

Low-income apartments

Low-income apartments in Little Canada

HUD lists 3 buildings with rents for lower incomes in Little Canada. These are the largest.

  • The Provinces Apartments Multiple Building Addresses, Little Canada 55117 118 homes, 77 low-income · In service since 1998
  • Garden Terrace 2880 Market Place Dr, Little Canada 55117 41 low-income homes · 1 bd: 40 · 2 bd: 1 · In service since 2006 · For older adults (651) 291-1750
  • Garden Terrace Apartments 2874 Market Place Dr, Little Canada 55117 41 low-income homes · For older adults (651) 481-9028

See all 194 buildings in Ramsey County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Little Canada

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 shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Little Canada

No down payment, repair or rent-help program on our list is for Little Canada or Ramsey County. The ones below are statewide in Minnesota: they work in Little Canada 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 Little Canada

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

  • Minnesota Homeownership Center

    1000 Payne Avenue, Saint Paul · 4 miles away

    (651) 659-9336

  • Comunidades Latinas Unidas en Servicio-Clues

    797 7th St E, Saint Paul · 4 miles away · Spanish

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (651) 379-4200

  • 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

Every agency in Ramsey County All counseling agencies in Minnesota

Help in Spanish near Little Canada

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 Little Canada

In HUD’s record, no housing authority with an office in Ramsey County is named for Little Canada 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 Little Canada, 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 Little Canada.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Little Canada

Short answers with the numbers for Little Canada 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 Little Canada?

The typical home value in Little Canada is $319,800, 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 Little Canada?

Typical rent in Little Canada is $1,417 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 Little Canada?

Little Canada 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 Little Canada?

The typical homeowner in Little Canada pays $3,309 a year, according to the U.S. Census Bureau. That is 1.03% of the home’s value; in Ramsey County, the rate is 1.21%.

Where can I find free help to buy or rent in Little Canada?

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).