Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

55123 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 55123 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 55123 Hub
Est. Total Monthly Cost
$3,345
P&I Payment$2,545
Taxes & Ins$595
Utilities$205
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 55123 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$484,012
Local Median: $484,012
$96,802 (20%)
%

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

Local Area Costs

Monthly$3,345

Monthly Breakdown

Principal & Interest
$2,545
Property Taxes
$359
Homeowners Ins.
$236
Utilities
$205

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$529,078

Local Housing Facts for ZIP Code 55123

  • ·Median home value: $484,012 (adjusted for current market conditions)
  • ·Est. property taxes: $4,304/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,836/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,459/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 $4,304 per year.

What is the average home price in SAINT PAUL?

The median home value in SAINT PAUL is currently estimated at $484,012.

How much does homeowners insurance cost in SAINT PAUL?

For a median priced home, homeowners insurance in SAINT PAUL averages around $2,836 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 $484,012 can expect to pay roughly $4,304/yr in property taxes, $2,836/yr for homeowners insurance, and $2,459/yr in energy utilities. That adds approximately $800 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.