Total monthly cost of ownership
Cost to Own a Home in St. Ansgar, Iowa
A $144,000 home here costs
$1,336per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $57,000 a year.
A standard mortgage calculator would have told you $785. The real number is $551 higher every month, 70% more than the payment most buyers budget for.
Compare Mitchell County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for St. Ansgar from a five-year rolling sample, and with about 1,156 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Mitchell County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
St. Ansgar against Mitchell County and Iowa
| Measure | St. Ansgar | Mitchell County |
|---|---|---|
| Median home value | $143,800 | $164,100 |
| Median property tax | $1,894 | $1,897 |
| Effective tax rate | 1.317% | 1.156% |
| Median gross rent | $940 | $739 |
| Population | 1,156 | 10,548 |
The weather behind that power bill
St. Ansgar sits in Mitchell County, which averages a high of 81.4°F in its hottest month and a low of 6.2°F in its coldest, with 37.61" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 593 cooling and 7,746 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Mitchell County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mitchell County
Talk to someone who works this market
These are St. Ansgar averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works St. Ansgar every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in St. Ansgar I already own here and may sell
Common questions
How much does it cost to own a home in St. Ansgar?
A $144,000 home in St. Ansgar, Iowa costs approximately $1,336 per month with 20% down at 7.24%. That is $785 principal and interest, $158 property tax, $63 homeowners insurance, $210 utilities and $120 set aside for maintenance.
What is the property tax rate in St. Ansgar?
St. Ansgar has an effective property tax rate of 1.317%, based on a median home value of $143,800 and median real estate taxes of $1,894. That is higher than the Mitchell County average of 1.156%.
What is the average home price in St. Ansgar?
The median owner-occupied home value in St. Ansgar, Iowa is $143,800, against $164,100 across Mitchell County.
Is it cheaper to rent or buy in St. Ansgar?
Median gross rent in St. Ansgar is $940 a month, against $1,336 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in St. Ansgar?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in St. Ansgar, Iowa at today's rate takes a household income of roughly $57,000 a year. That covers the full $1,336 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for St. Ansgar, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Iowa.
- 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.