Shoreview, Minnesota.
Typical home $409,943 (+2.0% in a year), asking rent $1,910 (+3.1%). Minneapolis-St. Paul-Bloomington, MN-WI metro.
to buy the typical home at today's mortgage rate — +$1,023 (+91%) since Jan 2020.
- 1 year
- Up $7,932 +2%
- $402,011$409,943 since Sep 2025
- 5 years
- Up $40,973 +11%
- $368,970$409,943 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Shoreview$2,152
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 33 years.
Typical home values in Shoreview, MN rose 2.0% over the past year — faster than the nation's +1.2%.
Asking rents in Shoreview, MN rose 3.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Shoreview runs $1,096/mo more than renting one. The gap peaked at $1,166 in Jan 2025.
That is $3,005 a month against $1,910 rent: a $2,152 mortgage payment, plus $415 property tax and $439 insurance & upkeep.
Owning vs renting — Shoreview
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,005
- Renting$1,910
- Mortgage only$2,152
Property tax · $415/mo 1.21% of value a year — the ACS 2020-2024 median bill over the median home value for Ramsey County, MN
Insurance & upkeep · $439/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Shoreview, Ramsey County, Minnesota
Shoreview is a city of 26,921 people in Ramsey County. Half its households earn more than $108,370 a year and half less, against $81,568 across Ramsey County; 6% of its people live below the poverty line. 80% of its homes are lived in by their owners and 20% are rented. Unemployment in Shoreview was 4.8% in August 2026, and Ramsey County had 1.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Shoreview is a city whose residents skew older than the typical American community, and most households own the home they live in. Incomes run well above the county's, and relatively few people live below the poverty line. A large majority of adults hold a four-year degree, and winters are cold and snowy, with summers that turn warm.
Work. Many residents work in schools, hospitals and social care, with manufacturing, professional and business services, and banks, insurance and property also common. Among the largest workplaces in Shoreview are the Mounds View Public School District, Target and PAR Systems. The trip to work is fairly short, and a good number of people work from home.
Things to do. Several stadiums are a short drive away, including Target Field and U.S. Bank Stadium. For something quieter, Saint Anthony Falls is a waterfall a short drive away, and the Minneapolis Institute of Art is a museum a longer drive away.
Report a mistake
- 11,340households
- 61%of adults have a degree
- 6%below the poverty line
- 22 mintypical commute
- 21%work from home
What residents work in
Employed residents by industry, from the Census survey. Ramsey County had 330,908 jobs in 2025, 1.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 25° and lows near 8°; warmest in July, with highs near 83° and lows near 64°. About 33 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Vadnais Lake weather station, 3 miles away (NOAA).
Largest workplaces in Shoreview
- Mounds View Public School DistrictSchool district1,567FTE
- TargetDiscount department stores426
- PAR SystemsBridge and gate lifting machinery manufacturing296
- BaxterCentralized administrative offices257
- District CenterSchool districts, elementary or secondary190
- EcumenCorporate offices183
- Turtle Lake Elementary SchoolSchool districts, elementary or secondary182
- YMCA in Shoreview177
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 19 workplaces with 20 or more staff, 2,531 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesRelatively high
- Hailrelatively high in parts of ShoreviewRelatively moderate
- Heat wavesrelatively high in parts of ShoreviewRelatively moderate
- Tornadoesrelatively high in parts of ShoreviewRelatively moderate
- Inland floodingRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Shoreview’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Ramsey County and the Minneapolis-St. Paul-Bloomington, MN-WI metro.
Shoreview home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Shoreview$409,943
- Minnesota$348,778
- United States$366,157
Sellers are cutting prices on about 1 in 3 Shoreview listings, and the typical home goes pending in 23 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Shoreview32.00%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Shoreview23
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Shoreview97
New listings per month
Sellers arriving at the market.
- Shoreview37
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Shoreview$367,806
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Shoreview99.91%
Zip codes with a Shoreview address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Shoreview — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.