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City · 78,305 residents · Washington County, Minnesota

Woodbury , Minnesota

In Woodbury, a typical home is worth $450,200 and typical rent is $1,908 a month. Compared with all of Washington County, typical rent is 12% higher and typical household income is 9% higher.

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  • Typical home value

    $450,200

    7% above the county

    37% above Minnesota

    • Woodbury
    • Washington
    • Minnesota

  • Typical rent

    $1,908a month

    12% above the county

    49% above Minnesota

    • Woodbury
    • Washington
    • Minnesota

  • Typical household income

    $125,310a year

    9% above the county

    41% above Minnesota

    • Woodbury
    • Washington
    • Minnesota

  • Households that own their home

    78%

    4 points below the county

    5 points above Minnesota

    • Woodbury
    • Washington
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$460,987
2.2% more than 12 months ago
Typical rent
$2,196 a month
3.9% more than 12 months ago

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

Woodbury is in Washington 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 Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Woodbury apart

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

  1. Nearby, in St. Paul Park, the typical home value is $263,500: 41% less than in Woodbury ($450,200).

  2. Nearby, in South St. Paul, the typical rent is $1,199: 37% less than in Woodbury ($1,908).

  3. Woodbury has the 8th highest typical rent of the 148 cities in Minnesota with more than 5,000 people ($1,908).

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

The homes here

Housing in Woodbury

What homes there are in Woodbury, 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

Detached houses are the majority in Woodbury (58%), but less so than in Washington County (67%).

Year built

Homes in Woodbury are newer: the typical year built is 1997; in Washington County, 1992.

Much as in Washington County, 68% of homes in Woodbury have 3 bedrooms or more.

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 Washington County is $552,000, and about 70% of owner-occupied homes in Woodbury are worth less than that.

Monthly rent with utilities

With a mortgage

$2,412 a month

Washington County: $2,275 a month

Without a mortgage

$871 a month

Washington County: $809 a month

Owners with a mortgage

73%

Washington County: 69%

Owning costs more in Woodbury: with a mortgage, the typical cost is $2,412 a month; in Washington County, $2,275. Without one, $871.

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 Woodbury rose 39%; in Washington County, it rose 46%.

Rents in Woodbury rose more slowly than in Washington County: 25% since 2015–2019, against 31%.

Here income did not keep up with housing: it rose 16%, while home values changed +39% and rent +25%.

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

MeasureWoodburyWashington CountyMinnesotaUnited States
Rental vacancy Unreliable estimate5.3%5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room 1.8%1.5%2.3%3.4%
People per household 2.662.582.432.53
Drive alone 61%66%69%69%
Carpool 9%8%8%9%
Public transit 1%1%2%3%
Walk or bike 1%1%3%3%
Work from home 27%24%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Woodbury, 1.8% of households live with more than one person per room, about the same as in Washington County.

By size, households in Woodbury look like those in Washington County: 2.66 people on average.

Many people here do not commute at all: 27% work from home; in Washington County, 24%.

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 Woodbury?

A typical home costs more than the typical income allows

We start with a typical home in Woodbury, worth $450,200, 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 Woodbury, which is $125,310 a year. For that payment to be 28% of income, a household would need to earn about $161,633 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Woodbury. 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 $15,757 (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

$3,771

at 7.18% · 30 years

Loan amount
$442,046
Total interest
$636,000
Paid off in
November 2056

Includes $7,603 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,924 a month

  • Tight

    $2,924 to $3,759 a month

  • Hard

    more than $3,759 a month

    Your payment · 36%

Compared with the typical household income in Woodbury ($125,310 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,771
Principal & interest$2,995
Property tax$390
Home insurance$188
FHA mortgage insurance (MIP)$199

You need at least $15,757 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

Woodbury and Washington County

Woodbury is in Washington 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).

Woodbury's own numbers

Typical home value
$450,200
Typical monthly rent
$1,908
Typical yearly household income
$125,310
Households that own their home
78%
Effective property tax rate
1.04%

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

Numbers for all of Washington 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)
+35%
Homes in a high flood-risk zone
0.6%

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 Washington County.

Everything about Washington County

Buying

Buying a home in Woodbury

A typical home in Woodbury is worth $450,200: 7% above the county and 37% above Minnesota. With the typical household income in Woodbury ($125,310 a year), a typical home costs 3.6 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.

  • Woodbury 3.6 years
  • Washington 3.7 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

According to FHFA’s house price index, home prices in Washington County rose 69% in the 10 years through 2025.

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

Period County Minnesota U.S.
Last year (2025) +1.8% +2.8% +2.9%
5 years (2020–2025) +35% +37% +47%
10 years (2015–2025) +69% +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

Woodbury next to Washington 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
  • Woodbury $450,200
  • Washington $422,000
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Woodbury $1,908
  • Washington $1,710
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Woodbury $125,310
  • Washington $115,345
  • Minnesota $89,062
  • United States $80,734
See the full table
Woodbury next to Washington County and Minnesota
Measure Woodbury Washington County Minnesota U.S.
Typical home value $450,200 $422,000 $329,300 $332,700
Typical monthly rent $1,908 $1,710 $1,280 $1,413
Typical yearly household income $125,310 $115,345 $89,062 $80,734
Households that own their home 78% 81% 72% 65%
Typical yearly property tax $4,688 $4,164 $3,357 $3,119
Effective property tax rate 1.04% 0.99% 1.02% 0.94%
Renters with high rent for their income 46% 51% 48% 51%

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

For a typical $450,200 home in Woodbury, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Woodbury's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,771a month

    Least cash to close
    Down payment
    $15,757
    Cash to close
    $29,263
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $199

  • Conventional, 5% down $3,689a month

    Down payment
    $22,510
    Cash to close
    $36,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $214

  • Conventional, 20% down, no PMI $3,018a month

    Down payment
    $90,040
    Cash to close
    $103,546
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,434a month

    Down payment
    $67,530
    Cash to close
    $81,036
    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 Woodbury and for Washington County.

Property tax

Effective rate in Woodbury

1.04%of the home’s value each year

$4,688 a year for the typical owner in Woodbury.

  • Woodbury 1.04%
  • Washington 0.99%
  • 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 Washington County

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

Homes in the high-risk zone
0.6%
580
Of those, with NFIP insurance
22%
County Minnesota U.S.
Homes in the high-risk zone 0.6% 0.7% 3.5%
Of those, with NFIP insurance 22% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Woodbury

Typical rent in Woodbury is $1,908 a month: 12% above the county. In Woodbury, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washington 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 Washington 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 Woodbury

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

For 2 bedrooms it runs from $2,220 in 55125 to $2,310 in 55129.

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

  • 55125 $2,220$2,900
  • 55129 $2,310$3,020

A ZIP code counts for Woodbury 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 Woodbury

HUD lists 8 buildings with rents for lower incomes in Woodbury. These are the largest.

  • Legends of Woodbury 570 Settlers Ridge Pkwy, Woodbury 55129 216 low-income homes · 1 bd: 67 · 2 bd: 97 · 3 bd: 52 · In service since 2019 · For older adults
  • Views at City Walk 375 Lake View Dr, Woodbury 55129 45 low-income homes · 1 bd: 30 · 2 bd: 15 · In service since 2013 · For older adults, people with disabilities, families, people experiencing homelessness
  • Glen at Valley Creek 7995 Afton Rd, Woodbury 55125 42 low-income homes · 1 bd: 27 · 2 bd: 15 · In service since 2019 · For older adults
  • Sienna Ridge Townhomes Multiple Building Addresses, Woodbury 55129 41 low-income homes · 2 bd: 20 · 3 bd: 21 · In service since 2008
  • Pondview Townhomes (fka Tamarack Village Homes) Multiple Building Addresses, Woodbury 55125 40 homes, 35 low-income · 2 bd: 19 · 3 bd: 17 · 4 bd: 4 · In service since 2004 · For families

See all 56 buildings in Washington County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Woodbury

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 Washington County; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Woodbury

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

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

  • Washington County Community Development Agency

    7645 Currell Blvd, Woodbury · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (651) 202-2822

  • Comunidades Latinas Unidas en Servicio-Clues

    797 7th St E, Saint Paul · 8 miles away · Spanish

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

  • Neighborhood Development Alliance

    481 Wabasha St S, Saint Paul · 8 miles away · Spanish

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

Every agency in Washington County All counseling agencies in Minnesota

Help in Spanish near Woodbury

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 Woodbury

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

  • Washington County Cda Public housing and Section 8 vouchers (651) 458-0936

All housing agencies in Minnesota Source: HUD

Cities

Other cities in Washington County

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

Everything about Washington County Housing in Minnesota

Nearby cities

The cities closest to Woodbury, with the typical home value.

Neighboring counties

If Washington 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 Woodbury.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Woodbury

Short answers with the numbers for Woodbury and all of Washington 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 Woodbury?

The typical home value in Woodbury is $450,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $422,000.

How much does it cost to rent in Woodbury?

Typical rent in Woodbury is $1,908 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $1,734.

What is the FHA loan limit in Woodbury?

Woodbury uses the FHA limit for all of Washington 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 Woodbury?

The typical homeowner in Woodbury pays $4,688 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Washington County, the rate is 0.99%.

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

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