Total monthly cost of ownership
Cost to Own a Home in St. Paul, Nebraska
A $184,000 home here costs
$1,619per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $946. The real number is $673 higher every month — 71% 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. Paul against Howard County and Nebraska
| Measure | St. Paul | Howard County |
|---|---|---|
| Median home value | $184,400 | $205,200 |
| Median property tax | $2,569 | $2,314 |
| Effective tax rate | 1.393% | 1.128% |
| Median gross rent | $720 | $811 |
| Population | 2,574 | 6,492 |
The weather behind that power bill
St. Paul sits in Howard County, which averages a high of 88.8°F in its hottest month and a low of 14.3°F in its coldest, with 27.32" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 1,129 cooling and 5,955 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Howard County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Howard County
No other places of this size are published in Howard County.
Full Howard County cost breakdown · Every county in Nebraska
Common questions
How much does it cost to own a home in St. Paul?
A $184,000 home in St. Paul, Nebraska costs approximately $1,619 per month with 20% down at 6.66%. That is $946 principal and interest, $214 property tax, $116 homeowners insurance, $190 utilities and $153 set aside for maintenance.
What is the property tax rate in St. Paul?
St. Paul has an effective property tax rate of 1.393%, based on a median home value of $184,400 and median real estate taxes of $2,569. That is higher than the Howard County average of 1.128%.
What is the average home price in St. Paul?
The median owner-occupied home value in St. Paul, Nebraska is $184,400, against $205,200 across Howard County.
Is it cheaper to rent or buy in St. Paul?
Median gross rent in St. Paul is $720 a month, against $1,619 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. Paul — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Nebraska.
- 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.