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Duluth Mortgage Calculator

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

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Est. Total Monthly Cost
$1,965
P&I Payment$1,536
Taxes & Ins$292
Utilities$138
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Mortgage Details

$289,930
Local Median: $289,930
$57,986 (20%)
%

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

Local Area Costs

Monthly$1,965

Monthly Breakdown

Principal & Interest
$1,536
Property Taxes
$246
Homeowners Ins.
$46
Utilities
$138

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$321,005

Local Housing Facts for Duluth

  • ·Median home value: $289,930 (adjusted for current market conditions)
  • ·Est. property taxes: $2,955/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $547/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,650/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 Duluth?

Based on the local median home value, estimated real estate property taxes in Duluth are around $2,955 per year.

What is the average home price in Duluth?

The median home value in Duluth is currently estimated at $289,930.

How much does homeowners insurance cost in Duluth?

For a median priced home, homeowners insurance in Duluth averages around $547 annually.

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

True homeownership costs go beyond principal and interest. In Duluth, a typical homeowner with a median-priced home of $289,930 can expect to pay roughly $2,955/yr in property taxes, $547/yr for homeowners insurance, and $1,650/yr in energy utilities. That adds approximately $429 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.