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City · 8,372 residents · Anoka County, Minnesota

St. Francis , Minnesota

In St. Francis, a typical home is worth $327,600 and typical rent is $1,287 a month. Compared with all of Anoka County, typical rent is 12% lower, typical household income is 9% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $327,600

    5% below the county

    About the same as Minnesota

    • St. Francis
    • Anoka
    • Minnesota

  • Typical rent

    $1,287a month

    12% below the county

    About the same as Minnesota

    • St. Francis
    • Anoka
    • Minnesota

  • Typical household income

    $111,198a year

    9% above the county

    25% above Minnesota

    • St. Francis
    • Anoka
    • Minnesota

  • Households that own their home

    86%

    6 points above the county

    14 points above Minnesota

    • St. Francis
    • Anoka
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$351,329
1.1% more than 12 months ago

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

St. Francis is in Anoka 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 Anoka County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets St. Francis apart

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

  1. St. Francis has the 10th smallest share of rent-burdened renters of the 139 cities in Minnesota with more than 5,000 people (38%).

  2. 86% of households in St. Francis own their home, against 80% in Anoka County.

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

The homes here

Housing in St. Francis

What homes there are in St. Francis, 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 St. Francis, 7 in 10 homes are single-family detached houses, about the same as in Anoka County.

In St. Francis there are many mobile homes: 8% of homes; in Anoka County, 3%.

Year built

Here half of the homes date from 2001 or later; in Anoka County, from 1986 or later.

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 limit for Anoka County is high ($552,000): at least 89% of owner-occupied homes in St. Francis are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,829 a month

Anoka County: $1,949 a month

Without a mortgage

$679 a month

Anoka County: $686 a month

Owners with a mortgage

74%

Anoka County: 69%

The typical cost for an owner with a mortgage in St. Francis is $1,829 a month, less than in Anoka County ($1,949); without one, $679.

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 St. Francis rose 53%; in Anoka County, it rose 49%.

The typical rent in St. Francis stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureSt. FrancisAnoka CountyMinnesotaUnited States
Rental vacancy Unreliable estimate3.9%5.3%5.5%
Homeowner vacancy Unreliable estimate0.5%0.6%0.9%
More than one person per room Unreliable estimate2.8%2.3%3.4%
People per household 2.802.672.432.53
Drive alone 79%73%69%69%
Carpool 9%7%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 12%17%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in St. Francis look like those in Anoka County: 2.80 people on average.

The car rules in St. Francis: 79% of workers drive to work alone, and the typical trip takes 30 to 39 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 St. Francis?

A typical home is tight for the typical income

We start with a typical home in St. Francis, worth $327,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in St. Francis, which is $111,198 a year. For that payment to be 28% of income, a household would need to earn about $115,160 a year.

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

Your numbers

Local data
$

Starts at the typical home value in St. Francis. 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 $11,466 (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

$2,687

at 7.18% · 30 years

Loan amount
$321,666
Total interest
$462,802
Paid off in
November 2056

Includes $5,532 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,595 a month

  • Tight

    $2,595 to $3,336 a month

    Your payment · 29%

  • Hard

    more than $3,336 a month

Compared with the typical household income in St. Francis ($111,198 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,687
Principal & interest$2,179
Property tax$227
Home insurance$137
FHA mortgage insurance (MIP)$145

You need at least $11,466 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

St. Francis and Anoka County

St. Francis is in Anoka 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).

St. Francis's own numbers

Typical home value
$327,600
Typical monthly rent
$1,287
Typical yearly household income
$111,198
Households that own their home
86%
Effective property tax rate
0.83%

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

Numbers for all of Anoka 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)
+36%
Homes in a high flood-risk zone
1.5%

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 Anoka County.

Everything about Anoka County

Buying

Buying a home in St. Francis

A typical home in St. Francis is worth $327,600: 5% below the county and about the same as Minnesota. With the typical household income in St. Francis ($111,198 a year), a typical home costs 2.9 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.

  • St. Francis 2.9 years
  • Anoka 3.4 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Anoka County

According to FHFA’s house price index, home prices in Anoka County rose 78% in the 10 years through 2025.

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

Period County Minnesota U.S.
Last year (2025) +2.4% +2.8% +2.9%
5 years (2020–2025) +36% +37% +47%
10 years (2015–2025) +78% +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

St. Francis next to Anoka 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
  • St. Francis $327,600
  • Anoka $346,500
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • St. Francis $1,287
  • Anoka $1,464
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • St. Francis $111,198
  • Anoka $101,869
  • Minnesota $89,062
  • United States $80,734
See the full table
St. Francis next to Anoka County and Minnesota
Measure St. Francis Anoka County Minnesota U.S.
Typical home value $327,600 $346,500 $329,300 $332,700
Typical monthly rent $1,287 $1,464 $1,280 $1,413
Typical yearly household income $111,198 $101,869 $89,062 $80,734
Households that own their home 86% 80% 72% 65%
Typical yearly property tax $2,708 $3,271 $3,357 $3,119
Effective property tax rate 0.83% 0.94% 1.02% 0.94%
Renters with high rent for their income 38% 51% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Anoka 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 St. Francis

For a typical $327,600 home in St. Francis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Francis's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,687a month

    Least cash to close
    Down payment
    $11,466
    Cash to close
    $21,294
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $145

  • Conventional, 5% down $2,627a month

    Down payment
    $16,380
    Cash to close
    $26,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $156

  • Conventional, 20% down, no PMI $2,139a month

    Down payment
    $65,520
    Cash to close
    $75,348
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,441a month

    Down payment
    $49,140
    Cash to close
    $58,968
    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 St. Francis and for Anoka County.

Property tax

Effective rate in St. Francis

0.83%of the home’s value each year

$2,708 a year for the typical owner in St. Francis.

  • St. Francis 0.83%
  • Anoka 0.94%
  • 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 Anoka County

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

Homes in the high-risk zone
1.5%
1,891
Of those, with NFIP insurance
7.4%
County Minnesota U.S.
Homes in the high-risk zone 1.5% 0.7% 3.5%
Of those, with NFIP insurance 7.4% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in St. Francis

Typical rent in St. Francis is $1,287 a month: 12% below the county. In St. Francis, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Anoka 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 Anoka 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 St. Francis

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

For 2 bedrooms it runs from $1,540 in 55070 to $1,670 in 55330.

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

  • 55070 $1,540$2,040
  • 55330 $1,670$2,180

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

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 Anoka County; none says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in St. Francis

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

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

  • Anoka County Community Action Program, Inc

    1201 89th Ave NE Ste 345, Blaine · 20 miles away

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

  • Community Action Partnership of Hennepin County

    7101 Northland Cir N, Brooklyn Park · 21 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (952) 697-1303

  • NSC (naca Counseling Subsidiary) - Minneapolis, MN

    6300 Shingle Creek Pkwy Ste 145, Brooklyn Center · 23 miles away · Spanish

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

Every agency in Anoka County All counseling agencies in Minnesota

Help in Spanish near St. Francis

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 St. Francis

HUD lists no housing authority with an office in Anoka County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Minnesota Source: HUD

Cities

Other cities in Anoka County

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

Everything about Anoka County Housing in Minnesota

Nearby cities

The cities closest to St. Francis, with the typical home value.

Neighboring counties

If Anoka 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 St. Francis.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about St. Francis

Short answers with the numbers for St. Francis and all of Anoka 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 St. Francis?

The typical home value in St. Francis is $327,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Anoka County it is $346,500.

How much does it cost to rent in St. Francis?

Typical rent in St. Francis is $1,287 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Anoka County is $1,734.

What is the FHA loan limit in St. Francis?

St. Francis uses the FHA limit for all of Anoka 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 St. Francis?

The typical homeowner in St. Francis pays $2,708 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Anoka County, the rate is 0.94%.

Where can I find free help to buy or rent in St. Francis?

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