Total monthly cost of ownership
Cost to Own a Home in St. Charles, Minnesota
A $231,000 home here costs
$1,872per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,188. The real number is $685 higher every month — 58% 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.
St. Charles against Winona County and Minnesota
| Measure | St. Charles | Winona County |
|---|---|---|
| Median home value | $231,300 | $222,900 |
| Median property tax | $2,060 | $2,099 |
| Effective tax rate | 0.891% | 0.942% |
| Median gross rent | $941 | $866 |
| Population | 4,021 | 49,705 |
The weather behind that power bill
St. Charles sits in Winona County, which averages a high of 85.4°F in its hottest month and a low of 10.5°F in its coldest, with 35.23" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 942 cooling and 6,788 heating degree days, which is what sets the $152 electricity line above.
See the full climate breakdown for Winona County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Winona County
Full Winona County cost breakdown · Every county in Minnesota
Common questions
How much does it cost to own a home in St. Charles?
A $231,000 home in St. Charles, Minnesota costs approximately $1,872 per month with 20% down at 6.66%. That is $1,188 principal and interest, $172 property tax, $100 homeowners insurance, $220 utilities and $193 set aside for maintenance.
What is the property tax rate in St. Charles?
St. Charles has an effective property tax rate of 0.891%, based on a median home value of $231,300 and median real estate taxes of $2,060. That is lower than the Winona County average of 0.942%.
What is the average home price in St. Charles?
The median owner-occupied home value in St. Charles, Minnesota is $231,300, against $222,900 across Winona County.
Is it cheaper to rent or buy in St. Charles?
Median gross rent in St. Charles is $941 a month, against $1,872 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 St. Charles — 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.