Español

Este sitio también está en español. Leer en español

City · 12,838 residents · Ramsey County, Minnesota

Vadnais Heights , Minnesota

In Vadnais Heights, a typical home is worth $363,100 and typical rent is $1,455 a month. Compared with all of Ramsey County, typical household income is 21% higher, the typical home value is 11% higher, and the share of households that own their home is 19 points higher.

WhatsApp

  • Typical home value

    $363,100

    11% above the county

    10% above Minnesota

    • Vadnais Heights
    • Ramsey
    • Minnesota

  • Typical rent

    $1,455a month

    9% above the county

    14% above Minnesota

    • Vadnais Heights
    • Ramsey
    • Minnesota

  • Typical household income

    $98,685a year

    21% above the county

    11% above Minnesota

    • Vadnais Heights
    • Ramsey
    • Minnesota

  • Households that own their home

    80%

    19 points above the county

    7 points above Minnesota

    • Vadnais Heights
    • Ramsey
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$369,807
1.7% more than 12 months ago
Typical rent
$2,069 a month
9.4% more than 12 months ago

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

Vadnais Heights 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 Vadnais Heights apart

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

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

  2. The typical household income in Vadnais Heights is $98,685, 21% more than in Ramsey County as a whole ($81,568).

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

The homes here

Housing in Vadnais Heights

What homes there are in Vadnais 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

As in Ramsey County, most homes in Vadnais Heights are detached houses (52%).

Year built

The typical home in Vadnais Heights was built in 1985, 20 years after the typical one in Ramsey County.

Homes in Vadnais Heights are bigger: 60% 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

$1,877 a month

Ramsey County: $1,975 a month

Without a mortgage

$799 a month

Ramsey County: $785 a month

Owners with a mortgage

65%

Ramsey County: 65%

In Vadnais Heights, 65% of owners have a mortgage; their typical cost is $1,877 a month, about the same as in Ramsey County.

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 Vadnais Heights rose 50%; in Ramsey County, it rose 42%.

The typical rent in Vadnais Heights rose 32% since 2015–2019, about the same as in Ramsey County (32%).

The typical household income in Vadnais Heights rose 28%: less than home values (+50%) and rent (+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

MeasureVadnais HeightsRamsey 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 2.282.382.432.53
Drive alone 70%63%69%69%
Carpool 4%8%8%9%
Public transit Unreliable estimate4%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 23%21%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Vadnais Heights has 2.28 people on average, about the same as in Ramsey County (2.38).

The car rules in Vadnais Heights: 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 Vadnais Heights?

A typical home costs more than the typical income allows

We start with a typical home in Vadnais Heights, worth $363,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Vadnais Heights, which is $98,685 a year. For that payment to be 28% of income, a household would need to earn about $131,270 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 Vadnais 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 $12,709 (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

$3,063

at 7.18% · 30 years

Loan amount
$356,523
Total interest
$512,953
Paid off in
November 2056

Includes $6,132 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,303 a month

  • Tight

    $2,303 to $2,961 a month

  • Hard

    more than $2,961 a month

    Your payment · 37%

Compared with the typical household income in Vadnais Heights ($98,685 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,063
Principal & interest$2,415
Property tax$336
Home insurance$151
FHA mortgage insurance (MIP)$161

You need at least $12,709 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

Vadnais Heights and Ramsey County

Vadnais Heights 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).

Vadnais Heights's own numbers

Typical home value
$363,100
Typical monthly rent
$1,455
Typical yearly household income
$98,685
Households that own their home
80%
Effective property tax rate
1.11%

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 Vadnais Heights

A typical home in Vadnais Heights is worth $363,100: 11% above the county and 10% above Minnesota. With the typical household income in Vadnais Heights ($98,685 a year), a typical home costs 3.7 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.

  • Vadnais Heights 3.7 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

Vadnais Heights 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
  • Vadnais Heights $363,100
  • Ramsey $326,600
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Vadnais Heights $1,455
  • Ramsey $1,329
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Vadnais Heights $98,685
  • Ramsey $81,568
  • Minnesota $89,062
  • United States $80,734
See the full table
Vadnais Heights next to Ramsey County and Minnesota
Measure Vadnais Heights Ramsey County Minnesota U.S.
Typical home value $363,100 $326,600 $329,300 $332,700
Typical monthly rent $1,455 $1,329 $1,280 $1,413
Typical yearly household income $98,685 $81,568 $89,062 $80,734
Households that own their home 80% 61% 72% 65%
Typical yearly property tax $4,039 $3,966 $3,357 $3,119
Effective property tax rate 1.11% 1.21% 1.02% 0.94%
Renters with high rent for their income 50% 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 Vadnais Heights

For a typical $363,100 home in Vadnais Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vadnais Heights's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,063a month

    Least cash to close
    Down payment
    $12,709
    Cash to close
    $23,602
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $161

  • Conventional, 5% down $2,996a month

    Down payment
    $18,155
    Cash to close
    $29,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $172

  • Conventional, 20% down, no PMI $2,455a month

    Down payment
    $72,620
    Cash to close
    $83,513
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,791a month

    Down payment
    $54,465
    Cash to close
    $65,358
    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 Vadnais Heights and for Ramsey County.

Property tax

Effective rate in Vadnais Heights

1.11%of the home’s value each year

$4,039 a year for the typical owner in Vadnais Heights.

  • Vadnais Heights 1.11%
  • 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 Vadnais Heights

Typical rent in Vadnais Heights is $1,455 a month: 9% above the county. In Vadnais Heights, 50% 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 Vadnais Heights

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

For 2 bedrooms it runs from $1,830 in 55110 to $2,000 in 55127.

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

  • 55110 $1,830$2,390
  • 55127 $2,000$2,610

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

HUD lists 3 buildings with rents for lower incomes in Vadnais Heights. These are the largest.

  • Cottages of Vadnais Heights Multiple Building Addresses, Vadnais Heights 55127 100 low-income homes · 1 bd: 20 · 2 bd: 52 · 3 bd: 28 · In service since 1996
  • Willow Ridge Apartments 1255 County Road D E, Vadnais Heights 55109 47 homes, 46 low-income · 2 bd: 28 · 3 bd: 19 · In service since 2007 · For families
  • Vadnais Highlands Multiple Building Addresses, Vadnais Heights 55109 35 homes, 33 low-income · 2 bd: 32 · 3 bd: 3 · In service since 2003 · For families

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

Free help

Help to buy or rent in Vadnais 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 are 8 HUD-approved agencies with an office in Ramsey County; 5 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Vadnais Heights

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

The HUD-approved agencies closest to the center of Vadnais Heights, 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 · 6 miles away

    (651) 659-9336

  • Navicore Solutions-Roseville, MN

    1700 Highway 36 W Ste 510, Roseville · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 472-4557

  • Comunidades Latinas Unidas en Servicio-Clues

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

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

Every agency in Ramsey County All counseling agencies in Minnesota

Help in Spanish near Vadnais Heights

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 Vadnais Heights

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

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

Questions

Housing questions about Vadnais Heights

Short answers with the numbers for Vadnais Heights 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 Vadnais Heights?

The typical home value in Vadnais Heights is $363,100, 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 Vadnais Heights?

Typical rent in Vadnais Heights is $1,455 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 Vadnais Heights?

Vadnais Heights 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 Vadnais Heights?

The typical homeowner in Vadnais Heights pays $4,039 a year, according to the U.S. Census Bureau. That is 1.11% of the home’s value; in Ramsey County, the rate is 1.21%.

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

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).