Local costs · Minnesota

What a home costs across Minnesota

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Minnesota, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $1,774 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
Minnesota deed tax: 0.33% of price — seller customarily paysHennepin and Ramsey counties add a 0.01% environmental response fund fee.On the $344,600 state median home, the buyer’s customary share is about $0; the seller customarily covers about $1,137.
Title insurance
Minnesota uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
State income tax
Minnesota income tax is modeled at about 4.01% effective for a married household at $100,000 (5.28% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.

All 87 counties in Minnesota

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Aitkin County0.55%$860–$1,930typical $1,330
Anoka County0.94%$1,090–$2,440typical $1,680
Becker County0.69%$1,010–$2,250typical $1,550
Beltrami County0.97%$860–$1,930typical $1,330
Benton County0.98%$1,130–$2,520typical $1,740
Big Stone County0.87%$990–$2,200typical $1,520
Blue Earth County0.97%$1,350–$3,000typical $2,070
Brown County1.03%$1,270–$2,830typical $1,950
Carlton County1.17%$860–$1,930typical $1,330
Carver County0.99%$1,300–$2,900typical $2,000
Cass County0.56%$860–$1,930typical $1,330
Chippewa County1.10%$1,010–$2,260typical $1,560
Chisago County1.07%$1,180–$2,640typical $1,820
Clay County1.14%$1,180–$2,620typical $1,810
Clearwater County0.67%$910–$2,030typical $1,400
Cook County0.69%$860–$1,930typical $1,330
Cottonwood County1.05%$1,220–$2,710typical $1,870
Crow Wing County0.74%$860–$1,930typical $1,330
Dakota County0.98%$1,350–$3,000typical $2,070
Dodge County1.11%$1,370–$3,050typical $2,100
Douglas County0.83%$940–$2,100typical $1,450
Faribault County0.99%$1,380–$3,070typical $2,120
Fillmore County0.94%$1,050–$2,330typical $1,610
Freeborn County1.11%$1,420–$3,180typical $2,190
Goodhue County1.05%$1,430–$3,190typical $2,200
Grant County0.93%$980–$2,180typical $1,500
Hennepin County1.14%$1,140–$2,540typical $1,750
Houston County1.15%$1,110–$2,470typical $1,700
Hubbard County0.78%$860–$1,930typical $1,330
Isanti County1.01%$1,160–$2,580typical $1,780
Itasca County0.86%$860–$1,930typical $1,330
Jackson County0.93%$1,190–$2,650typical $1,830
Kanabec County1.13%$1,060–$2,360typical $1,630
Kandiyohi County1.03%$1,010–$2,250typical $1,550
Kittson County0.92%$1,480–$3,290typical $2,270
Koochiching County0.74%$860–$1,930typical $1,330
Lac qui Parle County0.90%$990–$2,200typical $1,520
Lake County0.73%$860–$1,930typical $1,330
Lake of the Woods County0.66%$860–$1,930typical $1,330
Le Sueur County1.06%$1,400–$3,120typical $2,150
Lincoln County0.96%$1,140–$2,550typical $1,760
Lyon County1.06%$1,020–$2,280typical $1,570
Mahnomen County0.93%$990–$2,220typical $1,530
Marshall County0.80%$1,410–$3,150typical $2,170
Martin County1.02%$1,330–$2,960typical $2,040
McLeod County1.15%$1,170–$2,610typical $1,800
Meeker County0.90%$1,230–$2,740typical $1,890
Mille Lacs County1.04%$960–$2,150typical $1,480
Morrison County0.88%$970–$2,160typical $1,490
Mower County1.03%$1,360–$3,030typical $2,090
Murray County0.79%$1,250–$2,780typical $1,920
Nicollet County1.13%$1,350–$3,020typical $2,080
Nobles County0.99%$1,370–$3,060typical $2,110
Norman County0.94%$1,160–$2,580typical $1,780
Olmsted County1.06%$1,040–$2,320typical $1,600
Otter Tail County0.77%$990–$2,220typical $1,530
Pennington County1.26%$1,150–$2,570typical $1,770
Pine County0.86%$860–$1,930typical $1,330
Pipestone County0.86%$1,260–$2,810typical $1,940
Polk County1.01%$1,140–$2,540typical $1,750
Pope County0.77%$940–$2,100typical $1,450
Ramsey County1.21%$1,100–$2,450typical $1,690
Red Lake County1.00%$1,030–$2,290typical $1,580
Redwood County1.00%$1,120–$2,490typical $1,720
Renville County1.04%$1,200–$2,670typical $1,840
Rice County0.97%$1,560–$3,480typical $2,400
Rock County0.71%$1,310–$2,930typical $2,020
Roseau County0.97%$1,290–$2,890typical $1,990
Scott County1.01%$1,640–$3,670typical $2,530
Sherburne County0.98%$1,240–$2,760typical $1,900
Sibley County1.10%$1,370–$3,060typical $2,110
St. Louis County1.03%$860–$1,930typical $1,330
Stearns County1.00%$1,090–$2,420typical $1,670
Steele County1.21%$1,440–$3,200typical $2,210
Stevens County0.81%$990–$2,220typical $1,530
Swift County0.86%$870–$1,940typical $1,340
Todd County0.95%$870–$1,940typical $1,340
Traverse County0.99%$960–$2,150typical $1,480
Wabasha County1.05%$1,350–$3,020typical $2,080
Wadena County1.04%$920–$2,040typical $1,410
Waseca County1.18%$1,380–$3,090typical $2,130
Washington County0.99%$1,280–$2,860typical $1,970
Watonwan County1.05%$1,290–$2,890typical $1,990
Wilkin County0.79%$1,120–$2,510typical $1,730
Winona County0.93%$1,050–$2,350typical $1,620
Wright County0.98%$1,240–$2,770typical $1,910
Yellow Medicine County1.04%$1,160–$2,600typical $1,790

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.