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City · 11,612 residents · Dakota County, Minnesota

Mendota Heights , Minnesota

In Mendota Heights, a typical home is worth $520,300 and typical rent is $1,631 a month. Compared with all of Dakota County, the typical home value is 37% higher and typical household income is 25% higher.

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  • Typical home value

    $520,300

    37% above the county

    58% above Minnesota

    • Mendota Heights
    • Dakota
    • Minnesota

  • Typical rent

    $1,631a month

    5% above the county

    27% above Minnesota

    • Mendota Heights
    • Dakota
    • Minnesota

  • Typical household income

    $132,768a year

    25% above the county

    49% above Minnesota

    • Mendota Heights
    • Dakota
    • Minnesota

  • Households that own their home

    79%

    4 points above the county

    7 points above Minnesota

    • Mendota Heights
    • Dakota
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$570,654
3.3% more than 12 months ago

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

Mendota Heights is in Dakota 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 Dakota County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mendota Heights apart

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

  1. Nearby, in South St. Paul, the typical home value is $281,600: 46% less than in Mendota Heights ($520,300).

  2. The typical home in Mendota Heights is worth $520,300, 37% more than in Dakota County as a whole ($381,000).

  3. Nearby, in South St. Paul, the typical rent is $1,199: 26% less than in Mendota Heights ($1,631).

  4. The typical household income in Mendota Heights is $132,768, 25% more than in Dakota County as a whole ($106,318).

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

The homes here

Housing in Mendota Heights

What homes there are in Mendota Heights, 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 Mendota Heights, 6 in 10 homes are single-family detached houses; in Dakota County, 6.

Year built

The typical home in Mendota Heights was built in 1983, 5 years before the typical one in Dakota County.

Homes in Mendota Heights are bigger: 70% have 3 bedrooms or more; in Dakota County, 65%.

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

$2,542 a month

Dakota County: $2,129 a month

Without a mortgage

$926 a month

Dakota County: $758 a month

Owners with a mortgage

65%

Dakota County: 70%

The typical cost for an owner with a mortgage in Mendota Heights is $2,542 a month, more than in Dakota County ($2,129); without one, $926.

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

From 2015–2019 to 2020–2024, the typical home value in Mendota Heights rose 33%; in Dakota County, it rose 43%.

The typical rent in Mendota Heights rose 45% over the same time; in Dakota County, it rose 32%.

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

MeasureMendota HeightsDakota CountyMinnesotaUnited States
Rental vacancy Unreliable estimate3.8%5.3%5.5%
Homeowner vacancy Unreliable estimate0.4%0.6%0.9%
More than one person per room Unreliable estimate2.2%2.3%3.4%
People per household 2.412.542.432.53
Drive alone 66%68%69%69%
Carpool 3%7%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 30%21%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.41 on average, against 2.54 in Dakota County.

Many people here do not commute at all: 30% work from home; in Dakota 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 Mendota Heights?

A typical home costs more than the typical income allows

We start with a typical home in Mendota Heights, worth $520,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Mendota Heights, which is $132,768 a year. For that payment to be 28% of income, a household would need to earn about $183,456 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Mendota Heights. 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 $18,211 (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

$4,281

at 7.18% · 30 years

Loan amount
$510,876
Total interest
$735,030
Paid off in
November 2056

Includes $8,787 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,098 a month

  • Tight

    $3,098 to $3,983 a month

  • Hard

    more than $3,983 a month

    Your payment · 39%

Compared with the typical household income in Mendota Heights ($132,768 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,281
Principal & interest$3,461
Property tax$373
Home insurance$217
FHA mortgage insurance (MIP)$230

You need at least $18,211 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

Mendota Heights and Dakota County

Mendota Heights is in Dakota 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).

Mendota Heights's own numbers

Typical home value
$520,300
Typical monthly rent
$1,631
Typical yearly household income
$132,768
Households that own their home
79%
Effective property tax rate
0.86%

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

Numbers for all of Dakota 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)
+32%
Homes in a high flood-risk zone
0.3%

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 Dakota County.

Everything about Dakota County

Buying

Buying a home in Mendota Heights

A typical home in Mendota Heights is worth $520,300: 37% above the county and 58% above Minnesota. With the typical household income in Mendota Heights ($132,768 a year), a typical home costs 3.9 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.

  • Mendota Heights 3.9 years
  • Dakota 3.6 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Dakota County

According to FHFA’s house price index, home prices in Dakota County rose 64% in the 10 years through 2025.

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

Period County Minnesota U.S.
Last year (2025) +1.5% +2.8% +2.9%
5 years (2020–2025) +32% +37% +47%
10 years (2015–2025) +64% +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

Mendota Heights next to Dakota 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
  • Mendota Heights $520,300
  • Dakota $381,000
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Mendota Heights $1,631
  • Dakota $1,548
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Mendota Heights $132,768
  • Dakota $106,318
  • Minnesota $89,062
  • United States $80,734
See the full table
Mendota Heights next to Dakota County and Minnesota
Measure Mendota Heights Dakota County Minnesota U.S.
Typical home value $520,300 $381,000 $329,300 $332,700
Typical monthly rent $1,631 $1,548 $1,280 $1,413
Typical yearly household income $132,768 $106,318 $89,062 $80,734
Households that own their home 79% 75% 72% 65%
Typical yearly property tax $4,491 $3,749 $3,357 $3,119
Effective property tax rate 0.86% 0.98% 1.02% 0.94%
Renters with high rent for their income 41% 50% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dakota 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 Mendota Heights

For a typical $520,300 home in Mendota Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mendota Heights's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,281a month

    Least cash to close
    Down payment
    $18,211
    Cash to close
    $33,820
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $230

  • Conventional, 5% down $4,185a month

    Down payment
    $26,015
    Cash to close
    $41,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $247

  • Conventional, 20% down, no PMI $3,409a month

    Down payment
    $104,060
    Cash to close
    $119,669
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,890a month

    Down payment
    $78,045
    Cash to close
    $93,654
    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 Mendota Heights and for Dakota County.

Property tax

Effective rate in Mendota Heights

0.86%of the home’s value each year

$4,491 a year for the typical owner in Mendota Heights.

  • Mendota Heights 0.86%
  • Dakota 0.98%
  • 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 Dakota County

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

Homes in the high-risk zone
0.3%
488
Of those, with NFIP insurance
6.6%
County Minnesota U.S.
Homes in the high-risk zone 0.3% 0.7% 3.5%
Of those, with NFIP insurance 6.6% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mendota Heights

Typical rent in Mendota Heights is $1,631 a month: 5% above the county. In Mendota Heights, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Dakota 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 Dakota 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 Mendota Heights

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

For 2 bedrooms it runs from $1,620 in 55118 to $1,870 in 55120.

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

  • 55118 $1,620$2,120
  • 55120 $1,870$2,440

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

HUD lists one building with rents for lower incomes in Mendota Heights.

  • Hillside Gables Townhomes Multiple Building Addresses, Mendota Heights 55120 24 low-income homes · 1 bd: 1 · 2 bd: 17 · 3 bd: 6 · In service since 2001 · For families

See all 74 buildings in Dakota County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mendota Heights

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 is 1 HUD-approved agency with an office in Dakota County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Mendota Heights

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

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

  • Dakota County Community Development Agency

    1228 Town Centre Dr, Eagan · 3 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (651) 675-4400

  • Neighborhood Development Alliance

    481 Wabasha St S, Saint Paul · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (651) 292-0131

  • Southern Minnesota Regional Legal Services, Inc.

    445 Minnesota St Ste 1800, Saint Paul · 5 miles away

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

Every agency in Dakota County All counseling agencies in Minnesota

Help in Spanish near Mendota Heights

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 Mendota Heights

HUD’s record names them for Mendota Heights or Dakota County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Dakota County Cda Public housing and Section 8 vouchers (651) 675-4400

One other authority has an office in Dakota County: see the list Source: HUD

Cities

Other cities in Dakota County

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

Everything about Dakota County Housing in Minnesota

Nearby cities

The cities closest to Mendota Heights, with the typical home value.

Neighboring counties

If Dakota 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 Mendota Heights.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Mendota Heights

Short answers with the numbers for Mendota Heights and all of Dakota 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 Mendota Heights?

The typical home value in Mendota Heights is $520,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dakota County it is $381,000.

How much does it cost to rent in Mendota Heights?

Typical rent in Mendota Heights is $1,631 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dakota County is $1,734.

What is the FHA loan limit in Mendota Heights?

Mendota Heights uses the FHA limit for all of Dakota 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 Mendota Heights?

The typical homeowner in Mendota Heights pays $4,491 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Dakota County, the rate is 0.98%.

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

There is 1 HUD-approved counseling agency with an office in Dakota County. 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).