Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

St. Cloud Mortgage Calculator

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

← Back to St. Cloud Hub
Est. Total Monthly Cost
$2,567
P&I Payment$2,046
Taxes & Ins$368
Utilities$153
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this St. Cloud 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

$389,393
Local Median: $389,393
$77,879 (20%)
%

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

Local Area Costs

Monthly$2,567

Monthly Breakdown

Principal & Interest
$2,046
Property Taxes
$222
Homeowners Ins.
$147
Utilities
$153

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$425,050

Local Housing Facts for St. Cloud

  • ·Median home value: $389,393 (adjusted for current market conditions)
  • ·Est. property taxes: $2,661/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,758/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,834/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 St. Cloud?

Based on the local median home value, estimated real estate property taxes in St. Cloud are around $2,661 per year.

What is the average home price in St. Cloud?

The median home value in St. Cloud is currently estimated at $389,393.

How much does homeowners insurance cost in St. Cloud?

For a median priced home, homeowners insurance in St. Cloud averages around $1,758 annually.

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

True homeownership costs go beyond principal and interest. In St. Cloud, a typical homeowner with a median-priced home of $389,393 can expect to pay roughly $2,661/yr in property taxes, $1,758/yr for homeowners insurance, and $1,834/yr in energy utilities. That adds approximately $521 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.