Duluth sits at the western tip of Lake Superior and has a growing tourism, healthcare, and university-driven economy. St. Louis County's moderate tax rate and well-below-average home prices make it one of Minnesota's most affordable markets for first-time buyers.
Recommended for incomes above $60k/yr (28% DTI rule)
Duluth housing market
The 1.1% property tax rate reflects the county-level effective rate for Duluth and is used to calculate your monthly tax escrow above. This rate may differ from the statewide Minnesota average — county-level data produces more accurate monthly payment estimates for Duluth buyers. Many Duluth properties also carry HOA fees — the area average is approximately $50/month, which is not included in the calculator above.
Rate history
Compare statewide
Minnesota Mortgage Calculator →
See statewide averages and other Minnesota cities.
Not sure what to offer?
Try the Affordability Calculator →
Find your max home price based on income and debts.
Comparing loan offers?
Mortgage Comparison Worksheet →
Line up lender quotes side by side in a free spreadsheet.
FAQ