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55116 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 55116 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,962
P&I Payment$2,225
Taxes & Ins$580
Utilities$156
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Mortgage Details

$423,866
Local Median: $423,866
$84,773 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$2,962

Monthly Breakdown

Principal & Interest
$2,225
Property Taxes
$420
Homeowners Ins.
$160
Utilities
$156

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$462,027

Local Housing Facts for ZIP Code 55116

  • ·Median home value: $423,866 (adjusted for current market conditions)
  • ·Est. property taxes: $5,043/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,919/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,875/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in SAINT PAUL?

Based on the local median home value, estimated real estate property taxes in SAINT PAUL are around $5,043 per year.

What is the average home price in SAINT PAUL?

The median home value in SAINT PAUL is currently estimated at $423,866.

How much does homeowners insurance cost in SAINT PAUL?

For a median priced home, homeowners insurance in SAINT PAUL averages around $1,919 annually.

What is the true total cost of owning a home in SAINT PAUL?

True homeownership costs go beyond principal and interest. In SAINT PAUL, a typical homeowner with a median-priced home of $423,866 can expect to pay roughly $5,043/yr in property taxes, $1,919/yr for homeowners insurance, and $1,875/yr in energy utilities. That adds approximately $736 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.