Ramsey County Homes under $400,000

Welcome to Ramsey County, Minnesota—a vibrant area that beautifully blends urban convenience with the charm of suburban living. Nestled in the heart of the Twin Cities metropolitan area, Ramsey County is known for its rich history, diverse communities, and abundant recreational opportunities. With a population of over 500,000, it offers a dynamic lifestyle where residents can enjoy everything from scenic parks and lakes to cultural attractions and thriving local businesses.

For those seeking their dream home without breaking the bank, Ramsey County boasts a fantastic selection of properties priced under $400,000. Whether you’re a first-time homebuyer, a growing family, or someone looking to downsize, there’s something for everyone in this affordable market. You can find charming single-family homes with spacious yards, modern townhomes with low-maintenance living, and even cozy condos that provide a perfect urban retreat.

Imagine living just minutes away from the picturesque parks of the county, like the expansive Como Park with its beautiful zoo and conservatory, or the stunning trails along the Mississippi River. The community is also known for its excellent schools, making it an ideal place for families. Plus, with easy access to public transportation and major highways, commuting to Minneapolis or St. Paul is a breeze.

In Ramsey County, you can enjoy the best of both worlds: a peaceful suburban lifestyle with the excitement of city living just a stone's throw away. Explore the possibilities today and discover why so many are choosing to call this wonderful county home!

Newest Ramsey County Homes under $400,000

$289,900

5 Beds ⋅ 2 Baths ⋅ 7158304 MLS

A must-see duplex! Perfer for owner-occupant or investor. This spacious duplex features tons of updates, including new roof, huge double lot, 2 cars detach garage, and a shed for extra storage. Conveniently located near shopping, restaurants, transit, and everything St. Paul has to offer.

1156 Galtier Street, Saint Paul

Listing courtesy of TruHomes Realty LLC.

$360,000

4 Beds ⋅ 2 Baths ⋅ 7158366 MLS

Don’t miss this opportunity! Sellers are offering up to $5,000 towards buyer closing costs with an acceptable offer. If you’ve been waiting for the right opportunity, now is the time! Welcome to this bright and spacious New Brighton home featuring vaulted ceilings, an inviting open feel, and flexible living spaces throughout. The main level offers a sun-filled living area, eat-in kitchen with granite countertops and backyard views, three bedrooms, and a full bathroom. The finished lower level adds even more space with a fourth bedroom, 3/4 bathroom, dedicated laundry room, and versatile flex room perfect for a home office, entertainment area, or additional living space. Enjoy the convenience of an attached garage with direct access to the home and sunroom. Recent updates include a new dryer and range hood exhaust (2024), fresh bedroom interior paint, professional deep cleaning, recoated driveway, freshly painted deck, and updated basement floor paint. Centrally located for easy commuting throughout the Twin Cities, this home offers quick access to Minneapolis, St. Paul, and nearby communities while being close to everyday conveniences, parks, shopping, and dining.

67 13th Avenue SW, New Brighton

Listing courtesy of eXp Realty.

$220,000

3 Beds ⋅ 1 Baths ⋅ 7157493 MLS

3 bed, 1 bath, hardwood floors, two-car garage. Step inside to warm hardwood floors and three bedrooms with room to settle in. Out back, the large deck is ready for morning coffee or weekend cookouts, and the two-car garage keeps winters easy. The unfinished basement is a blank slate for your updates, so you can add space and value as your budget allows. A great place to start.

1347 Searle Street, Saint Paul

Listing courtesy of Bridge Realty, LLC.

$315,000

3 Beds ⋅ 1 Baths ⋅ 7157241 MLS

Don't miss this beautiful 1909-built home full of the good stuff: hardwood floors, leaded glass, and millwork with jaw-dropping 9.5" baseboards. This West Seventh gem just had a full remodel, and it shows, from the gutted kitchen with designer Zellige tile to updated mechanicals (new boiler, mini-split A/C). Upstairs features 3 bedrooms, two with walk-in closets, plus a bathroom straight out of a design show. The lower level is partially finished with a den/TV room and a flex space just waiting for an egress window to become the 4th bedroom. Outside, the fully fenced backyard is an honest-to-goodness oasis: deck, garden, room to actually live out there. Up front, a cute three-season porch says hello before you even get inside. And the location? West Seventh puts you steps from green space, breweries, incredible coffee shops, a co-op, Trader Joe's, and some of St. Paul's best bars and restaurants, with quick access to MSP airport and highways. This one has it all, reach out for a private tour.

823 Armstrong Avenue, Saint Paul

Listing courtesy of eXp Realty.

$299,900

2 Beds ⋅ 2 Baths ⋅ 7158284 MLS

Charming, thoughtfully updated, and ideally located in the heart of White Bear Lake, this delightful rambler is just steps from Podvin Park and downtown. The beautifully remodeled kitchen and bathroom bring a fresh, modern feel, while two bedrooms on the main level offer comfortable, easy living. The basement provides additional living space, making this home a perfect example of small but mighty. Outside, the incredible yard is a gardener’s dream, complete with a classic picket fence and a large patio perfect for relaxing or entertaining. A detached two-car garage adds the finishing touch to this charming home!

1812 9th Street, White Bear Lake

Listing courtesy of RE/MAX Results.

$144,900

2 Beds ⋅ 1 Baths ⋅ 7157133 MLS

This home is close to schools, parks and shopping. It has 2 bedrooms upstairs and 1 bath. Main floor has kitchen, dining and living room.

565 Hatch Avenue, Saint Paul

Listing courtesy of RE/MAX Synergy.

130 Demont Avenue E Unit 144, Little Canada

$88,900

1 Baths ⋅ 7156365 MLS

Welcome Home to Canabury Square, where small-space living comes with BIG amenities! This charming 300 sq ft efficiency offers easy, low-maintenance living with LVP flooring, an updated kitchen featuring stainless steel appliances, and an updated full bathroom. Sliding glass doors lead to your own patio. An assigned parking space adds everyday convenience. Enjoy the beautiful courtyard featuring a spacious gathering patio complete with grills, smokers, and a Blackstone griddle, perfect for outdoor entertaining! Spend summer days relaxing by the outdoor in-ground pool or exploring the gardens and walking trails. The amenities continue indoors with a heated in-ground pool, dry sauna, exercise room, game room, library, and party room available to rent! With incredibly low HOA dues and property taxes, this is an amazing opportunity to enjoy a wealth of amenities without the hefty price tag. Small footprint, BIG lifestyle. Welcome Home!

130 Demont Avenue E Unit 144, Little Canada

Listing courtesy of Welcome Home Productions, LLC.

$250,000

3 Beds ⋅ 3 Baths ⋅ 7157919 MLS

1881 Garden Way, Saint Paul

Listing courtesy of RE/MAX Results.

$299,990

3 Beds ⋅ 2 Baths ⋅ 7156797 MLS

Super cute house in an adorable neighborhood in quiet neighborhood. This 3 bed, 2 bath home is ready for you! Expansive back deck, and an oversized garage with 2.5 stalls. Check it out! Peace of mind with a newer roof (2023), newer HVAC (2023), newer AC (2023), and vinyl windows. Brand new appliances (2026), new carpet (2026), new paint (2026), new luxury vinyl planks in the main level kitchen and the entire lower level (2026). Refinished deck off the back, and other areas of the home have been touched up!

2042 Clear Avenue, Saint Paul

Listing courtesy of HOMESTEAD ROAD.

$349,999

6 Beds ⋅ 3 Baths ⋅ 7158107 MLS

Welcome to 1223 Reaney Avenue! This beautifully remodeled 6-bedroom, 3-bathroom home offers spacious living with modern updates throughout. Featuring new flooring, updated bathrooms, and both windows and roof less than 5 years old, this home combines comfort, style, and functionality. The large driveway provides ample off-street parking. Located in Saint Paul’s historic Dayton’s Bluff neighborhood, this property offers convenient access to downtown Saint Paul, nearby parks, shopping, dining, and major highways. Enjoy the charm of an established neighborhood with the benefits of recent improvements. Move-in ready and waiting for its next owner. Schedule your showing today!

1223 Reaney Avenue, Saint Paul

Listing courtesy of Northstar Real Estate Associates.

$335,000

3 Beds ⋅ 2 Baths ⋅ 7113734 MLS

Classic 1920s bungalow charm meets fresh, modern updates in this beautifully renovated West Como home! Step inside from the enclosed front porch to find refinished original hardwood floors, fresh paint, and crisp white trim and doors throughout. The kitchen has been completely updated with new white cabinetry, quartz countertops, stainless steel appliances, and durable LVP flooring. Two of the home’s three bedrooms are located on the main level, along with a brand-new bathroom. The newly finished lower level adds fantastic living space with a spacious family room, third bedroom, second new bathroom, laundry room, and new carpet. Additional updates include new central AC and modern, neutral finishes throughout. Outside, enjoy a back deck and fenced yard—perfect for relaxing, entertaining, or pets. All of this in a fabulous West Como location close to Como Park, the Minnesota State Fairgrounds, shopping, dining, recreation, and more. Don't miss this is a fantastic, move-in-ready home that blends timeless character with today's style and design!

1408 Arona Street, Saint Paul

Listing courtesy of RE/MAX Results.

$334,000

4 Beds ⋅ 2 Baths ⋅ 7158172 MLS

Great opportunity for an investor or owner-occupied duplex in the Como neighborhood, with great cash flow! The 2Bed/1Bath Upper unit currently has a month-to-month tenant, who would potentially sign a longer lease, if the new owner desires. The 2Bed/1Bath lower unit has great tenants with lease until May 31, 2027. Don't miss the opportunity to own this great duplex in a highly desirable neighborhood!

998 Jameson Street, Saint Paul

Listing courtesy of National Realty Guild.

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