Real Estate Investing in Vadnais Heights, Minnesota (55127)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Ramsey County • Population: 18,607 • Data updated: September 2026

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Should you buy in 55127 (Vadnais Heights, MN)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (69/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Vadnais Heights, MN (55127)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $473,085
Avg Monthly Rent $1,862
1% Rule ✗ Does Not Meet
Median Income $110,767
% Renters 16.5%

Market Analysis: 55127 Vadnais Heights

In practical terms, ZIP 55127 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $473K median. It rewards specialists, not generalists.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 55127 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Statewide comparisons place 55127 among MN's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 55127 includes headwinds that any investor should price in. Income distribution skews lower than Vadnais Heights averages, and tenant stability requires active management.

The 55127 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Vadnais Heights:

C+ Average
Buy Confidence Score: 63/100
Affordability
15/25
Appreciation
14/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.3× the median income
Value Trend
Rising (+4.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,862/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 55127

Which property type performs best in this market?

Best for Cash Flow
2BR
5.8% cap rate
Best for Appreciation
5BR
+7.2% 5yr CAGR
Best Overall Value
2BR
$120,661/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $241,321 $1,940 5.8% +2.4% $120,661
3BR $435,987 $2,570 4.2% +4.4% $145,329
4BR $595,169 $2,870 3.5% +5.6% $148,792
5BR $919,819 +7.2% $183,964

Market Trends

Home Value History (with trend line)

$495K$440K$385K$330K$275K$220KJun 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,004$1,937$1,871$1,804$1,738$1,671Jan 2025Oct 2025Jul 2026

📊 How Does 55127 Compare?

Metric 55127 Vadnais Heights Minnesota
Home Value $473,085 $473,085 $340,597
5-Year CAGR 2.9% 2.9% 4.9%
Avg Rent $1,862 $1,862 -
Cap Rate 3.1% 3.1% -
💡 Why Invest in 55127? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 55127 (Vadnais Heights, MN). Anonymous, moderated, never written by AI.

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Property managers serving Ramsey County

Manage rentals here? List your business →
Property Care
Roseville, MN

Property Care provides HOA Management services. summary from their website

HOA
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Simply Residential Property Management offers expert management of single-family, condominiums, and multi-family dwellings throughout the Twin Cities. summary from their website

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Spire Community Management provides HOA management services in Minnesota, with a local phone number for the state. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+2.9%
Slow

📊 Market Snapshot

Home Value $473,085
Monthly Rent $1,862
Price-to-Rent 21.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.1%
5-Year IRR 6.0%

📈 Home Appreciation

1-Year +4.5% ▲
3-Year CAGR +2.2% ▲
5-Year CAGR +2.9% ▲
10-Year CAGR +4.7% ▲

🏠 Rent Trends

1-Year -5.8% ▼
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
3.5%
Low risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+2.9%
Stable
Eviction process: Slow Rent control: Moderate

Demographics in 55127

Population: 18,607

💰 Median Household Income
$110,767
This area
$110,767
State
$77,168
USA
$74,580
🏠 Renter Occupied
16.5%
This area
16.5%
State
18.9%
USA
34.0%
💼 Unemployment Rate
3.0%
This area
3.0%
State
-3.2%
USA
3.7%
🎓 College Educated
51.6%
This area
51.6%
State
20.0%
USA
33.7%
👤 Median Age
44.5 years
This area
44.5 years
State
37.2 years
USA
38.9 years
🏚️ Vacancy Rate
3.5%
This area
3.5%
State
17.0%
USA
10.5%
👥 Population by Ethnicity
White 82.5%
Other/Mixed 8.3%
Asian 7.5%
Hispanic/Latino 5.0%
Black/African American 1.7%
👶 Under 18
22.3%
This area
22.3%
USA
22.0%
👴 65 and Over
22.8%
This area
22.8%
USA
17.3%
📊 Poverty Rate
2.7%
This area
2.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 55127

A Avg School Grade
2 Schools
16.0:1 Avg Class Size
$26,302 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

VADNAIS HEIGHTS ELEMENTARY

📚 Pre-K – 05 Elementary
👥
397 Students
👨‍🏫
14.9:1 Class Size
💰
$34,074 Per Student
B+ Above Average

AFSA HIGH SCHOOL

📚 07 – 12 High School Charter
👥
255 Students
👨‍🏫
17.1:1 Class Size
💰
$18,530 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

WILLIAMS ELEMENTARY

📚 K – 06 School
📍 955 COUNTY RD D W, SHOREVIEW
👥
458 Students
👨‍🏫
14.6:1 Class Size
💰
$19,924 Per Student
A Very Good

Lionsgate Academy - Shoreview

📚 07 – 12 High School Charter
📍 599 CARDIGAN ROAD, SHOREVIEW
👥
183 Students
👨‍🏫
3.7:1 Class Size
💰
$63,853 Per Student
A Very Good

Snail Lake Kindergarten Center

📚 Grade KG Elementary
📍 350 HIGHWAY 96 WEST, SHOREVIEW
👥
304 Students
👨‍🏫
11.5:1 Class Size
💰
$16,732 Per Student
A Very Good

Oak Hill Montessori Community

📚 Pre-K – 08 School Charter
📍 4665 HODGSON RD, SHOREVIEW
👥
165 Students
👨‍🏫
14.0:1 Class Size
💰
$25,043 Per Student
B+ Above Average

Turtle Lake Elementary

📚 01 – 05 Elementary
📍 1141 LEPAK CT, SHOREVIEW
👥
957 Students
👨‍🏫
14.7:1 Class Size
💰
$16,732 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 4,133 Off-Campus Students
C+
Bethel University
3,521 students · 4.3 mi
C+
The Salon Professional Academy Maplewood
73 students · 4.9 mi
C
University of Northwestern-St Paul
3,262 students · 5.4 mi
C
Century College
8,248 students · 5.7 mi
C
American Academy of Health and Wellness
29 students · 6.4 mi
C
Metropolitan State University
6,005 students · 8.8 mi
C
Luther Seminary
348 students · 8.8 mi
C
Hamline University
2,432 students · 9.1 mi

Investor Insight: With 4,133 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Should investors consider Vadnais Heights, MN?

Yes - Vadnais Heights, MN a 3.0/5 investability score. With $473K home prices against $1,862/mo monthly rent, the market delivers a reasonable entry point for new investors.

Are there empty rentals in Vadnais Heights, MN?

Vadnais Heights, MN carries elevated vacancy risk. Expect measured absorption at market rents of $1,862/mo.

How expensive is real estate in Vadnais Heights, MN?

In Vadnais Heights, MN the median home value sits at $473K. Against the broader MN market, that reads as reasonable for most investors.

Can I house hack in Vadnais Heights, MN?

House hacking in Vadnais Heights, MN is a challenging. With home values around $473K and rents at $1,862/mo, owner-occupants can offset a meaningful share of PITI.

What is the best play in Vadnais Heights, MN?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Vadnais Heights, MN. The numbers - $473K homes against $1,862/mo rents - support that play.

You know 55127 now. You don’t know where it ranks.

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How 55127 ranks in Minneapolis-St. Paul-Bloomington, MN-WI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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