Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Minnesota
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Minnesota ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Cass County | 31.7% | $651 | $2,051 |
| 2 | Aitkin County | 32.4% | $602 | $1,858 |
| 3 | Carver County | 32.5% | $1,098 | $3,377 |
| 4 | Cook County | 32.6% | $758 | $2,328 |
| 5 | Washington County | 32.6% | $1,035 | $3,175 |
| 6 | Becker County | 32.7% | $693 | $2,118 |
| 7 | Crow Wing County | 33.0% | $720 | $2,185 |
| 8 | Dakota County | 33.0% | $952 | $2,885 |
| 9 | Scott County | 33.1% | $1,041 | $3,141 |
| 10 | Douglas County | 33.1% | $772 | $2,329 |
| 11 | Anoka County | 33.2% | $863 | $2,603 |
| 12 | Sherburne County | 33.4% | $890 | $2,666 |
| 13 | Wright County | 33.4% | $891 | $2,667 |
| 14 | Otter Tail County | 33.4% | $676 | $2,024 |
| 15 | Hubbard County | 33.6% | $691 | $2,057 |
| 16 | Pope County | 33.7% | $660 | $1,956 |
| 17 | Rice County | 33.8% | $812 | $2,406 |
| 18 | Hennepin County | 33.9% | $1,031 | $3,041 |
| 19 | Lake of the Woods County | 34.0% | $591 | $1,739 |
| 20 | Lake County | 34.0% | $614 | $1,804 |
| 21 | Chisago County | 34.3% | $912 | $2,655 |
| 22 | Olmsted County | 34.4% | $854 | $2,480 |
| 23 | Isanti County | 34.5% | $797 | $2,309 |
| 24 | Rock County | 34.6% | $569 | $1,645 |
| 25 | Morrison County | 34.7% | $672 | $1,937 |
| 26 | Le Sueur County | 34.7% | $817 | $2,353 |
| 27 | Blue Earth County | 34.8% | $720 | $2,070 |
| 28 | Pine County | 34.8% | $643 | $1,847 |
| 29 | Stearns County | 34.9% | $735 | $2,105 |
| 30 | Goodhue County | 34.9% | $773 | $2,211 |
| 31 | Dodge County | 35.1% | $773 | $2,201 |
| 32 | Meeker County | 35.1% | $662 | $1,884 |
| 33 | Benton County | 35.2% | $717 | $2,036 |
| 34 | Itasca County | 35.2% | $615 | $1,747 |
| 35 | Winona County | 35.3% | $650 | $1,840 |
| 36 | Ramsey County | 35.4% | $892 | $2,520 |
| 37 | Kandiyohi County | 35.4% | $675 | $1,906 |
| 38 | Nicollet County | 35.5% | $761 | $2,141 |
| 39 | Mille Lacs County | 35.6% | $700 | $1,967 |
| 40 | Clay County | 35.6% | $755 | $2,121 |
| 41 | Wabasha County | 35.6% | $727 | $2,039 |
| 42 | Beltrami County | 35.7% | $659 | $1,845 |
| 43 | Clearwater County | 35.7% | $525 | $1,470 |
| 44 | Murray County | 35.8% | $534 | $1,492 |
| 45 | Fillmore County | 36.0% | $612 | $1,701 |
| 46 | Stevens County | 36.0% | $543 | $1,508 |
| 47 | Polk County | 36.1% | $636 | $1,763 |
| 48 | Wilkin County | 36.1% | $520 | $1,440 |
| 49 | St. Louis County | 36.3% | $635 | $1,748 |
| 50 | McLeod County | 36.4% | $714 | $1,960 |
| 51 | Kanabec County | 36.5% | $678 | $1,858 |
| 52 | Carlton County | 36.5% | $712 | $1,951 |
| 53 | Sibley County | 36.6% | $662 | $1,810 |
| 54 | Houston County | 36.6% | $698 | $1,907 |
| 55 | Steele County | 36.7% | $724 | $1,975 |
| 56 | Todd County | 36.9% | $587 | $1,593 |
| 57 | Nobles County | 36.9% | $559 | $1,516 |
| 58 | Roseau County | 36.9% | $554 | $1,499 |
| 59 | Grant County | 36.9% | $558 | $1,512 |
| 60 | Lyon County | 37.0% | $605 | $1,636 |
| 61 | Waseca County | 37.2% | $674 | $1,812 |
| 62 | Brown County | 37.4% | $580 | $1,550 |
| 63 | Marshall County | 37.6% | $492 | $1,311 |
| 64 | Wadena County | 37.9% | $556 | $1,466 |
| 65 | Mower County | 38.0% | $562 | $1,480 |
| 66 | Koochiching County | 38.0% | $470 | $1,237 |
| 67 | Swift County | 38.1% | $484 | $1,269 |
| 68 | Red Lake County | 38.1% | $517 | $1,356 |
| 69 | Martin County | 38.1% | $522 | $1,370 |
| 70 | Pennington County | 38.2% | $623 | $1,632 |
| 71 | Freeborn County | 38.3% | $547 | $1,427 |
| 72 | Lincoln County | 38.5% | $508 | $1,321 |
| 73 | Redwood County | 38.5% | $503 | $1,306 |
| 74 | Jackson County | 38.6% | $487 | $1,264 |
| 75 | Renville County | 38.8% | $513 | $1,324 |
| 76 | Mahnomen County | 38.8% | $497 | $1,279 |
| 77 | Watonwan County | 38.8% | $514 | $1,323 |
| 78 | Lac qui Parle County | 38.9% | $487 | $1,253 |
| 79 | Big Stone County | 38.9% | $462 | $1,186 |
| 80 | Chippewa County | 39.1% | $510 | $1,306 |
| 81 | Yellow Medicine County | 39.1% | $509 | $1,300 |
| 82 | Cottonwood County | 39.3% | $532 | $1,354 |
| 83 | Kittson County | 39.3% | $465 | $1,183 |
| 84 | Norman County | 39.7% | $476 | $1,200 |
| 85 | Pipestone County | 39.9% | $449 | $1,125 |
| 86 | Faribault County | 41.2% | $450 | $1,092 |
| 87 | Traverse County | 41.7% | $421 | $1,009 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Minnesota