Total monthly cost of ownership
Cost to Own a Home in Breezy Point, Minnesota
A $301,000 home here costs
$2,355per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,547. The real number is $807 higher every month — 52% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Breezy Point against Crow Wing County and Minnesota
| Measure | Breezy Point | Crow Wing County |
|---|---|---|
| Median home value | $301,000 | $274,400 |
| Median property tax | $2,466 | $2,161 |
| Effective tax rate | 0.819% | 0.788% |
| Median gross rent | $1,117 | $962 |
| Population | 2,647 | 67,113 |
The weather behind that power bill
Breezy Point sits in Crow Wing County, which averages a high of 81.5°F in its hottest month and a low of -0.1°F in its coldest, with 24.53" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 413 cooling and 8,695 heating degree days, which is what sets the $152 electricity line above.
See the full climate breakdown for Crow Wing County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Crow Wing County
Full Crow Wing County cost breakdown · Every county in Minnesota
Common questions
How much does it cost to own a home in Breezy Point?
A $301,000 home in Breezy Point, Minnesota costs approximately $2,355 per month with 20% down at 6.66%. That is $1,547 principal and interest, $205 property tax, $131 homeowners insurance, $220 utilities and $251 set aside for maintenance.
What is the property tax rate in Breezy Point?
Breezy Point has an effective property tax rate of 0.819%, based on a median home value of $301,000 and median real estate taxes of $2,466. That is higher than the Crow Wing County average of 0.788%.
What is the average home price in Breezy Point?
The median owner-occupied home value in Breezy Point, Minnesota is $301,000, against $274,400 across Crow Wing County.
Is it cheaper to rent or buy in Breezy Point?
Median gross rent in Breezy Point is $1,117 a month, against $2,355 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Breezy Point — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Minnesota.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.