Total monthly cost of ownership
Cost to Own a Home in Rush City, Minnesota
A $199,000 home here costs
$1,694per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,023. The real number is $671 higher every month — 66% 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.
Rush City against Chisago County and Minnesota
| Measure | Rush City | Chisago County |
|---|---|---|
| Median home value | $199,000 | $326,600 |
| Median property tax | $2,383 | $3,668 |
| Effective tax rate | 1.197% | 1.123% |
| Median gross rent | $881 | $1,112 |
| Population | 3,262 | 57,434 |
The weather behind that power bill
Rush City sits in Chisago County, which averages a high of 82.1°F in its hottest month and a low of -0.1°F in its coldest, with 32.39" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 446 cooling and 8,608 heating degree days, which is what sets the $152 electricity line above.
See the full climate breakdown for Chisago County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Chisago County
Full Chisago County cost breakdown · Every county in Minnesota
Common questions
How much does it cost to own a home in Rush City?
A $199,000 home in Rush City, Minnesota costs approximately $1,694 per month with 20% down at 6.66%. That is $1,023 principal and interest, $199 property tax, $86 homeowners insurance, $220 utilities and $166 set aside for maintenance.
What is the property tax rate in Rush City?
Rush City has an effective property tax rate of 1.197%, based on a median home value of $199,000 and median real estate taxes of $2,383. That is higher than the Chisago County average of 1.123%.
What is the average home price in Rush City?
The median owner-occupied home value in Rush City, Minnesota is $199,000, against $326,600 across Chisago County.
Is it cheaper to rent or buy in Rush City?
Median gross rent in Rush City is $881 a month, against $1,694 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 Rush City — 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.