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City · 26,714 residents · Ramsey County, Minnesota

Shoreview , Minnesota

In Shoreview, a typical home is worth $383,700 and typical rent is $1,661 a month. Compared with all of Ramsey County, typical household income is 33% higher, typical rent is 25% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $383,700

    17% above the county

    17% above Minnesota

    • Shoreview
    • Ramsey
    • Minnesota

  • Typical rent

    $1,661a month

    25% above the county

    30% above Minnesota

    • Shoreview
    • Ramsey
    • Minnesota

  • Typical household income

    $108,370a year

    33% above the county

    22% above Minnesota

    • Shoreview
    • Ramsey
    • Minnesota

  • Households that own their home

    80%

    20 points above the county

    8 points above Minnesota

    • Shoreview
    • Ramsey
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$409,943
2% more than 12 months ago
Typical rent
$1,910 a month
3.1% more than 12 months ago

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

Shoreview 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 Shoreview apart

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

  1. 80% of households in Shoreview own their home, against 61% in Ramsey County.

  2. The typical household income in Shoreview is $108,370, 33% more than in Ramsey County as a whole ($81,568).

  3. Nearby, in Mounds View, the typical rent is $1,245: 25% less than in Shoreview ($1,661).

  4. The typical rent in Shoreview is $1,661 a month, 25% more than in Ramsey County as a whole ($1,329).

  5. Nearby, in Mounds View, the typical home value is $324,200: 16% less than in Shoreview ($383,700).

  6. The typical home in Shoreview is worth $383,700, 17% more than in Ramsey County as a whole ($326,600).

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

The homes here

Housing in Shoreview

What homes there are in Shoreview, 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 Shoreview, 6 in 10 homes are single-family detached houses; in Ramsey County, 5.

Year built

The typical home in Shoreview was built in 1981, 16 years after the typical one in Ramsey County.

Homes in Shoreview are bigger: 62% have 3 bedrooms or more; 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
Monthly rent with utilities

With a mortgage

$2,146 a month

Ramsey County: $1,975 a month

Without a mortgage

$856 a month

Ramsey County: $785 a month

Owners with a mortgage

58%

Ramsey County: 65%

In Shoreview, 58% of owners have a mortgage, and their typical cost is $2,146 a month, against $1,975 in Ramsey County. Without one it drops to $856.

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 Shoreview rose 39% since 2015–2019, less than in Ramsey County (42%).

Since 2015–2019, the typical rent in Shoreview rose 37%, more than in Ramsey County (32%).

The typical household income in Shoreview rose 17%: less than home values (+39%) and rent (+37%).

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

MeasureShoreviewRamsey 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 2.322.382.432.53
Drive alone 70%63%69%69%
Carpool 6%8%8%9%
Public transit Unreliable estimate4%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 21%21%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Ramsey County, a household in Shoreview has 2.32 people on average.

The car rules in Shoreview: 70% 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 Shoreview?

A typical home costs more than the typical income allows

We start with a typical home in Shoreview, worth $383,700, 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 Shoreview, which is $108,370 a year. For that payment to be 28% of income, a household would need to earn about $140,362 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 Shoreview. 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 $13,430 (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

$3,275

at 7.18% · 30 years

Loan amount
$376,750
Total interest
$542,054
Paid off in
November 2056

Includes $6,480 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,529 a month

  • Tight

    $2,529 to $3,251 a month

  • Hard

    more than $3,251 a month

    Your payment · 36%

Compared with the typical household income in Shoreview ($108,370 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,275
Principal & interest$2,552
Property tax$393
Home insurance$160
FHA mortgage insurance (MIP)$170

You need at least $13,430 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

Shoreview and Ramsey County

Shoreview 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).

Shoreview's own numbers

Typical home value
$383,700
Typical monthly rent
$1,661
Typical yearly household income
$108,370
Households that own their home
80%
Effective property tax rate
1.23%

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 Shoreview

A typical home in Shoreview is worth $383,700: 17% above the county and 17% above Minnesota. With the typical household income in Shoreview ($108,370 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.

  • Shoreview 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

Shoreview 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
  • Shoreview $383,700
  • Ramsey $326,600
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Shoreview $1,661
  • Ramsey $1,329
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Shoreview $108,370
  • Ramsey $81,568
  • Minnesota $89,062
  • United States $80,734
See the full table
Shoreview next to Ramsey County and Minnesota
Measure Shoreview Ramsey County Minnesota U.S.
Typical home value $383,700 $326,600 $329,300 $332,700
Typical monthly rent $1,661 $1,329 $1,280 $1,413
Typical yearly household income $108,370 $81,568 $89,062 $80,734
Households that own their home 80% 61% 72% 65%
Typical yearly property tax $4,717 $3,966 $3,357 $3,119
Effective property tax rate 1.23% 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 Shoreview

For a typical $383,700 home in Shoreview, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shoreview's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,275a month

    Least cash to close
    Down payment
    $13,430
    Cash to close
    $24,941
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $170

  • Conventional, 5% down $3,205a month

    Down payment
    $19,185
    Cash to close
    $30,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $182

  • Conventional, 20% down, no PMI $2,633a month

    Down payment
    $76,740
    Cash to close
    $88,251
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,987a month

    Down payment
    $57,555
    Cash to close
    $69,066
    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 Shoreview and for Ramsey County.

Property tax

Effective rate in Shoreview

1.23%of the home’s value each year

$4,717 a year for the typical owner in Shoreview.

  • Shoreview 1.23%
  • 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 Shoreview

Typical rent in Shoreview is $1,661 a month: 25% above the county. In Shoreview, 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 Shoreview

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shoreview is in ZIP code 55126.

For 2 bedrooms it is $1,910: $176 more than the fair market rent for Ramsey County ($1,734).

  • 55126 $1,910$2,490

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

HUD lists 2 buildings with rents for lower incomes in Shoreview. These are the largest.

  • The Meadowlands Aka Crossroads of Shoreview 3912 Gramsie Ct, Shoreview 55126 44 low-income homes · 1 bd: 2 · 2 bd: 20 · 3 bd: 18 · 4 bd: 4 · In service since 2016 · For families (651) 481-1082
  • The Shores 2130 Lexington Ave, Shoreview 55126 68 homes, 29 low-income · In service since 2003

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

Free help

Help to buy or rent in Shoreview

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Shoreview

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

The HUD-approved agencies closest to the center of Shoreview, 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 · 5 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 · 8 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 Shoreview

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 Shoreview

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

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

Questions

Housing questions about Shoreview

Short answers with the numbers for Shoreview 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 Shoreview?

The typical home value in Shoreview is $383,700, 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 Shoreview?

Typical rent in Shoreview is $1,661 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 Shoreview?

Shoreview 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 Shoreview?

The typical homeowner in Shoreview pays $4,717 a year, according to the U.S. Census Bureau. That is 1.23% of the home’s value; in Ramsey County, the rate is 1.21%.

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

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).