Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

North St. Paul Mortgage Calculator

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

← Back to North St. Paul Hub
Est. Total Monthly Cost
$2,302
P&I Payment$1,667
Taxes & Ins$419
Utilities$216
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this North St. Paul 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

$313,919
Local Median: $313,919
$62,784 (20%)
%

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

Local Area Costs

Monthly$2,302

Monthly Breakdown

Principal & Interest
$1,667
Property Taxes
$302
Homeowners Ins.
$117
Utilities
$216

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$348,839

Local Housing Facts for North St. Paul

  • ·Median home value: $313,919 (adjusted for current market conditions)
  • ·Est. property taxes: $3,625/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,404/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,590/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 North St. Paul?

Based on the local median home value, estimated real estate property taxes in North St. Paul are around $3,625 per year.

What is the average home price in North St. Paul?

The median home value in North St. Paul is currently estimated at $313,919.

How much does homeowners insurance cost in North St. Paul?

For a median priced home, homeowners insurance in North St. Paul averages around $1,404 annually.

What is the true total cost of owning a home in North St. Paul?

True homeownership costs go beyond principal and interest. In North St. Paul, a typical homeowner with a median-priced home of $313,919 can expect to pay roughly $3,625/yr in property taxes, $1,404/yr for homeowners insurance, and $2,590/yr in energy utilities. That adds approximately $635 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.