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Winona Mortgage Calculator

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

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Est. Total Monthly Cost
$1,759
P&I Payment$1,315
Taxes & Ins$262
Utilities$182
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Mortgage Details

$246,891
Local Median: $246,891
$49,378 (20%)
%

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

Local Area Costs

Monthly$1,759

Monthly Breakdown

Principal & Interest
$1,315
Property Taxes
$172
Homeowners Ins.
$90
Utilities
$182

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$275,787

Local Housing Facts for Winona

  • ·Median home value: $246,891 (adjusted for current market conditions)
  • ·Est. property taxes: $2,065/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,079/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,187/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 Winona?

Based on the local median home value, estimated real estate property taxes in Winona are around $2,065 per year.

What is the average home price in Winona?

The median home value in Winona is currently estimated at $246,891.

How much does homeowners insurance cost in Winona?

For a median priced home, homeowners insurance in Winona averages around $1,079 annually.

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

True homeownership costs go beyond principal and interest. In Winona, a typical homeowner with a median-priced home of $246,891 can expect to pay roughly $2,065/yr in property taxes, $1,079/yr for homeowners insurance, and $2,187/yr in energy utilities. That adds approximately $444 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.