Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

St. Paul Mortgage Calculator

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

← Back to St. Paul Hub
Est. Total Monthly Cost
$2,124
P&I Payment$1,354
Taxes & Ins$367
Utilities$403
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 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

$255,271
Local Median: $255,271
$51,054 (20%)
%

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

Local Area Costs

Monthly$2,124

Monthly Breakdown

Principal & Interest
$1,354
Property Taxes
$197
Homeowners Ins.
$169
Utilities
$403

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$283,272

Local Housing Facts for St. Paul

  • ·Median home value: $255,271 (adjusted for current market conditions)
  • ·Est. property taxes: $2,368/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,033/yr — based on local per-$1K premium rates
  • ·Energy utilities: $4,839/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. Paul?

Based on the local median home value, estimated real estate property taxes in St. Paul are around $2,368 per year.

What is the average home price in St. Paul?

The median home value in St. Paul is currently estimated at $255,271.

How much does homeowners insurance cost in St. Paul?

For a median priced home, homeowners insurance in St. Paul averages around $2,033 annually.

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

True homeownership costs go beyond principal and interest. In St. Paul, a typical homeowner with a median-priced home of $255,271 can expect to pay roughly $2,368/yr in property taxes, $2,033/yr for homeowners insurance, and $4,839/yr in energy utilities. That adds approximately $770 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.