Duluth, MN home prices
Typical home $263,835 · +5.2% in a year · income needed $76,200
The Duluth, MN metro area ranks 410 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.2% in a year and +28.2% over five years. With 20% down at 7.11%, the typical home costs about $1,777 a month including 1.03% property tax (Saint Louis County rate).
Mortgage on the typical Duluth home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,767 | $211,068 | $1,420 | $0 | $357 | $1,777 | $76,200 |
| 10% down | $26,384 | $237,452 | $1,597 | $99 | $357 | $2,054 | $88,000 |
| 5% down | $13,192 | $250,643 | $1,686 | $104 | $357 | $2,148 | $92,100 |
| 3.5% down (FHA) | $9,234 | $259,056 | $1,743 | $117 | $357 | $2,217 | $95,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.03% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Duluth area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Saint Louis County, MN | $255,915 | +5.6% | 1.03% |
| Douglas County, WI | $261,006 | +5.0% | 1.26% |
| Carlton County, MN | $298,854 | +4.2% | 1.17% |
| Lake County, MN | $275,583 | +3.7% | 0.73% |
What can you afford in Minnesota on your salary? · Minnesota home prices · Salaries in Minnesota
Frequently asked questions
How much is a house in Duluth?
The typical home in the Duluth, MN metro area is worth $263,835 (Zillow, September 2026).
What salary do you need to buy a house in Duluth?
About $76,200 a year for the typical home with 20% down at 7.11%.