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Compare Current St. Paul, Minnesota Mortgage Rates
Compare St. Paul, MN mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in St. Paul.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in St. Paul. Plus, shopping lenders is free and there is no obligation.
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's St. Paul, MN Mortgage Rates
July 25, 2025
Current mortgage rates in St. Paul, MN are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's St. Paul, MN Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in St. Paul, Minnesota?
Below we provide helpful information on the real estate market, home prices and housing affordability in St. Paul. Understand how much you need to earn to afford a home in St. Paul, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in St. Paul fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in St. Paul is right for you.
The median home value for St. Paul, MN (Ramsey County) is $315,220
Based on current mortgage rates and a 10% down payment, you need to make $65,760 per year to buy the median priced home in St. Paul
With this income, you could qualify for a $283,698 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in St. Paul is $1,523
The median household income for St. Paul, MN (Ramsey County) is $71,548
Based on this income, you can afford a home valued at approximately $342,963
The home price you can afford to buy based on household income in St. Paul is 109% of the median home value which means housing prices are average.
St. Paul (Ramsey County) ranks 86 out of 87 counties in Minnesota and 2,698 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in St. Paul, MN is average
Loan Limits for St. Paul, Minnesota
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for St. Paul (Ramsey County) below.
Conforming loan limits for St. Paul, MN
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for St. Paul, MN
1 unit:$515,200
2 units:$659,550
3 units:$797,250
4 units:$990,800
VA loan limits for St. Paul, MN
1 unit:$726,200
Additional Mortgage Resources for St. Paul, MN Residents