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City · 40,695 residents · Ramsey County, Minnesota

Maplewood , Minnesota

In Maplewood, a typical home is worth $323,200 and typical rent is $1,406 a month. Compared with all of Ramsey County, typical household income is 12% higher, typical rent is 6% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $323,200

    About the same as the county

    About the same as Minnesota

    • Maplewood
    • Ramsey
    • Minnesota

  • Typical rent

    $1,406a month

    6% above the county

    10% above Minnesota

    • Maplewood
    • Ramsey
    • Minnesota

  • Typical household income

    $91,394a year

    12% above the county

    3% above Minnesota

    • Maplewood
    • Ramsey
    • Minnesota

  • Households that own their home

    72%

    11 points above the county

    About the same as Minnesota

    • Maplewood
    • Ramsey
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$341,679
1.8% more than 12 months ago
Typical rent
$1,488 a month
1.8% more than 12 months ago

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

Maplewood 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 Maplewood apart

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

  1. 72% of households in Maplewood own their home, against 61% in Ramsey County.

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

The homes here

Housing in Maplewood

What homes there are in Maplewood, 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

In Maplewood, 6 in 10 homes are single-family detached houses; in Ramsey County, 5.

Year built

The typical home in Maplewood was built in 1979, 14 years after the typical one in Ramsey County.

In Maplewood, 59% of homes have 3 bedrooms or more, more than in Ramsey County (50%).

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

The FHA loan limit for Ramsey County is $552,000, and about 94% of owner-occupied homes in Maplewood are worth less than that.

Monthly rent with utilities

By rent, most homes in Maplewood cost less than HUD's 2-bedroom fair market rent ($1,734): about 70%.

With a mortgage

$2,010 a month

Ramsey County: $1,975 a month

Without a mortgage

$771 a month

Ramsey County: $785 a month

Owners with a mortgage

64%

Ramsey County: 65%

The typical cost for an owner with a mortgage in Maplewood is $2,010 a month, near the figure in Ramsey County ($1,975).

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 Maplewood rose 49% since 2015–2019, more than in Ramsey County (42%).

Rents in Maplewood rose more slowly than in Ramsey County: 24% since 2015–2019, against 32%.

To compare: typical income in Maplewood rose 30%; the home, +49%; the rent, +24%.

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

MeasureMaplewoodRamsey CountyMinnesotaUnited States
Rental vacancy 11.8%6.1%5.3%5.5%
Homeowner vacancy Unreliable estimate0.7%0.6%0.9%
More than one person per room 5.4%4.0%2.3%3.4%
People per household 2.612.382.432.53
Drive alone 71%63%69%69%
Carpool 9%8%8%9%
Public transit Unreliable estimate4%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 17%21%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Maplewood: 11.8% is empty and offered for rent, against 6.1% in Ramsey County.

More than one person per room: that is how 5.4% of households in Maplewood live, more than in Ramsey County (4.0%).

Households in Maplewood are bigger: 2.61 people on average; in Ramsey County, 2.38.

The car rules in Maplewood: 71% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Maplewood?

A typical home costs more than the typical income allows

We start with a typical home in Maplewood, worth $323,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Maplewood, which is $91,394 a year. For that payment to be 28% of income, a household would need to earn about $118,115 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 Maplewood. 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 $11,312 (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

$2,756

at 7.18% · 30 years

Loan amount
$317,346
Total interest
$456,587
Paid off in
November 2056

Includes $5,458 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,133 a month

  • Tight

    $2,133 to $2,742 a month

  • Hard

    more than $2,742 a month

    Your payment · 36%

Compared with the typical household income in Maplewood ($91,394 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,756
Principal & interest$2,150
Property tax$329
Home insurance$135
FHA mortgage insurance (MIP)$143

You need at least $11,312 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

Maplewood and Ramsey County

Maplewood 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).

Maplewood's own numbers

Typical home value
$323,200
Typical monthly rent
$1,406
Typical yearly household income
$91,394
Households that own their home
72%
Effective property tax rate
1.22%

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 Maplewood

A typical home in Maplewood is worth $323,200: about the same as the county and about the same as Minnesota. With the typical household income in Maplewood ($91,394 a year), a typical home costs 3.5 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.

  • Maplewood 3.5 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

Maplewood 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
  • Maplewood $323,200
  • Ramsey $326,600
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Maplewood $1,406
  • Ramsey $1,329
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Maplewood $91,394
  • Ramsey $81,568
  • Minnesota $89,062
  • United States $80,734
See the full table
Maplewood next to Ramsey County and Minnesota
Measure Maplewood Ramsey County Minnesota U.S.
Typical home value $323,200 $326,600 $329,300 $332,700
Typical monthly rent $1,406 $1,329 $1,280 $1,413
Typical yearly household income $91,394 $81,568 $89,062 $80,734
Households that own their home 72% 61% 72% 65%
Typical yearly property tax $3,929 $3,966 $3,357 $3,119
Effective property tax rate 1.22% 1.21% 1.02% 0.94%
Renters with high rent for their income 55% 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 Maplewood

For a typical $323,200 home in Maplewood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Maplewood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,756a month

    Least cash to close
    Down payment
    $11,312
    Cash to close
    $21,008
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $143

  • Conventional, 5% down $2,697a month

    Down payment
    $16,160
    Cash to close
    $25,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $154

  • Conventional, 20% down, no PMI $2,215a month

    Down payment
    $64,640
    Cash to close
    $74,336
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,514a month

    Down payment
    $48,480
    Cash to close
    $58,176
    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 Maplewood and for Ramsey County.

Property tax

Effective rate in Maplewood

1.22%of the home’s value each year

$3,929 a year for the typical owner in Maplewood.

  • Maplewood 1.22%
  • 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 Maplewood

Typical rent in Maplewood is $1,406 a month: 6% above the county. In Maplewood, 55% 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 Maplewood

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

For 2 bedrooms it runs from $1,630 in 55119 to $1,640 in 55109.

None is above the fair market rent for Ramsey County ($1,734).

  • 55109 $1,640$2,140
  • 55119 $1,630$2,130

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Maplewood 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 Maplewood

HUD lists 15 buildings with rents for lower incomes in Maplewood. These are the largest.

  • Maple Pond Homes 1819 Beebe Rd, Maplewood 55109 168 low-income homes · 1 bd: 99 · 2 bd: 63 · 3 bd: 6 · In service since 2018 · For people with disabilities, families
  • Concordia Arms 2030 Lydia Ave E, Maplewood 55109 125 low-income homes · 1 bd: 124 · 2 bd: 1 · In service since 2014 · For older adults, people with disabilities, people experiencing homelessness (651) 770-0402
  • MAPLE POND HOMES fka Archer Heights Maplewood 1816 Beebe Rd, Maplewood 55109 168 homes, 121 low-income · For families (651) 770-3996
  • Carefree Cottages of Maplewood Multiple Building Addresses, Maplewood 55109 137 homes, 108 low-income · 1 bd: 56 · 2 bd: 43 · 3 bd: 43 · In service since 1996
  • Maple Knoll Townhomes 1880 Mesabi Ave, Maplewood 55109 57 low-income homes · 1 bd: 5 · 2 bd: 32 · In service since 2015 · For families, people experiencing homelessness (651) 770-9069

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

Free help

Help to buy or rent in Maplewood

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Maplewood

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

The HUD-approved agencies closest to the center of Maplewood, 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

  • Southern Minnesota Regional Legal Services, Inc.

    445 Minnesota St Ste 1800, Saint Paul · 6 miles away

    • Mortgage delinquency and default
    • Rental counseling
    (651) 222-5863

Every agency in Ramsey County All counseling agencies in Minnesota

Help in Spanish near Maplewood

1 of the 3 agencies on this list says it serves 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 Maplewood

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

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Maplewood

Short answers with the numbers for Maplewood 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 Maplewood?

The typical home value in Maplewood is $323,200, 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 Maplewood?

Typical rent in Maplewood is $1,406 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 Maplewood?

Maplewood 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 Maplewood?

The typical homeowner in Maplewood pays $3,929 a year, according to the U.S. Census Bureau. That is 1.22% of the home’s value; in Ramsey County, the rate is 1.21%.

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

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).