Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Minnesota
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Minnesota ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Traverse County | 41.7% | $421 | $1,009 |
| 2 | Faribault County | 41.2% | $450 | $1,092 |
| 3 | Pipestone County | 39.9% | $449 | $1,125 |
| 4 | Norman County | 39.7% | $476 | $1,200 |
| 5 | Kittson County | 39.3% | $465 | $1,183 |
| 6 | Cottonwood County | 39.3% | $532 | $1,354 |
| 7 | Yellow Medicine County | 39.1% | $509 | $1,300 |
| 8 | Chippewa County | 39.1% | $510 | $1,306 |
| 9 | Big Stone County | 38.9% | $462 | $1,186 |
| 10 | Lac qui Parle County | 38.9% | $487 | $1,253 |
| 11 | Watonwan County | 38.8% | $514 | $1,323 |
| 12 | Mahnomen County | 38.8% | $497 | $1,279 |
| 13 | Renville County | 38.8% | $513 | $1,324 |
| 14 | Jackson County | 38.6% | $487 | $1,264 |
| 15 | Redwood County | 38.5% | $503 | $1,306 |
| 16 | Lincoln County | 38.5% | $508 | $1,321 |
| 17 | Freeborn County | 38.3% | $547 | $1,427 |
| 18 | Pennington County | 38.2% | $623 | $1,632 |
| 19 | Martin County | 38.1% | $522 | $1,370 |
| 20 | Red Lake County | 38.1% | $517 | $1,356 |
| 21 | Swift County | 38.1% | $484 | $1,269 |
| 22 | Koochiching County | 38.0% | $470 | $1,237 |
| 23 | Mower County | 38.0% | $562 | $1,480 |
| 24 | Wadena County | 37.9% | $556 | $1,466 |
| 25 | Marshall County | 37.6% | $492 | $1,311 |
| 26 | Brown County | 37.4% | $580 | $1,550 |
| 27 | Waseca County | 37.2% | $674 | $1,812 |
| 28 | Lyon County | 37.0% | $605 | $1,636 |
| 29 | Grant County | 36.9% | $558 | $1,512 |
| 30 | Roseau County | 36.9% | $554 | $1,499 |
| 31 | Nobles County | 36.9% | $559 | $1,516 |
| 32 | Todd County | 36.9% | $587 | $1,593 |
| 33 | Steele County | 36.7% | $724 | $1,975 |
| 34 | Houston County | 36.6% | $698 | $1,907 |
| 35 | Sibley County | 36.6% | $662 | $1,810 |
| 36 | Carlton County | 36.5% | $712 | $1,951 |
| 37 | Kanabec County | 36.5% | $678 | $1,858 |
| 38 | McLeod County | 36.4% | $714 | $1,960 |
| 39 | St. Louis County | 36.3% | $635 | $1,748 |
| 40 | Wilkin County | 36.1% | $520 | $1,440 |
| 41 | Polk County | 36.1% | $636 | $1,763 |
| 42 | Stevens County | 36.0% | $543 | $1,508 |
| 43 | Fillmore County | 36.0% | $612 | $1,701 |
| 44 | Murray County | 35.8% | $534 | $1,492 |
| 45 | Clearwater County | 35.7% | $525 | $1,470 |
| 46 | Beltrami County | 35.7% | $659 | $1,845 |
| 47 | Wabasha County | 35.6% | $727 | $2,039 |
| 48 | Clay County | 35.6% | $755 | $2,121 |
| 49 | Mille Lacs County | 35.6% | $700 | $1,967 |
| 50 | Nicollet County | 35.5% | $761 | $2,141 |
| 51 | Kandiyohi County | 35.4% | $675 | $1,906 |
| 52 | Ramsey County | 35.4% | $892 | $2,520 |
| 53 | Winona County | 35.3% | $650 | $1,840 |
| 54 | Itasca County | 35.2% | $615 | $1,747 |
| 55 | Benton County | 35.2% | $717 | $2,036 |
| 56 | Meeker County | 35.1% | $662 | $1,884 |
| 57 | Dodge County | 35.1% | $773 | $2,201 |
| 58 | Goodhue County | 34.9% | $773 | $2,211 |
| 59 | Stearns County | 34.9% | $735 | $2,105 |
| 60 | Pine County | 34.8% | $643 | $1,847 |
| 61 | Blue Earth County | 34.8% | $720 | $2,070 |
| 62 | Le Sueur County | 34.7% | $817 | $2,353 |
| 63 | Morrison County | 34.7% | $672 | $1,937 |
| 64 | Rock County | 34.6% | $569 | $1,645 |
| 65 | Isanti County | 34.5% | $797 | $2,309 |
| 66 | Olmsted County | 34.4% | $854 | $2,480 |
| 67 | Chisago County | 34.3% | $912 | $2,655 |
| 68 | Lake County | 34.0% | $614 | $1,804 |
| 69 | Lake of the Woods County | 34.0% | $591 | $1,739 |
| 70 | Hennepin County | 33.9% | $1,031 | $3,041 |
| 71 | Rice County | 33.8% | $812 | $2,406 |
| 72 | Pope County | 33.7% | $660 | $1,956 |
| 73 | Hubbard County | 33.6% | $691 | $2,057 |
| 74 | Otter Tail County | 33.4% | $676 | $2,024 |
| 75 | Wright County | 33.4% | $891 | $2,667 |
| 76 | Sherburne County | 33.4% | $890 | $2,666 |
| 77 | Anoka County | 33.2% | $863 | $2,603 |
| 78 | Douglas County | 33.1% | $772 | $2,329 |
| 79 | Scott County | 33.1% | $1,041 | $3,141 |
| 80 | Dakota County | 33.0% | $952 | $2,885 |
| 81 | Crow Wing County | 33.0% | $720 | $2,185 |
| 82 | Becker County | 32.7% | $693 | $2,118 |
| 83 | Washington County | 32.6% | $1,035 | $3,175 |
| 84 | Cook County | 32.6% | $758 | $2,328 |
| 85 | Carver County | 32.5% | $1,098 | $3,377 |
| 86 | Aitkin County | 32.4% | $602 | $1,858 |
| 87 | Cass County | 31.7% | $651 | $2,051 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Minnesota