Duluth, St. Louis County, Minnesota Property Taxes

Name: Property Tax Bills Across Duluth, St. Louis County, Minnesota
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Duluth, MN effective property tax rate: 1.41%, significantly higher than the national median of 1.02%, but lower than the Minnesota state median of 1.11%.
Median Duluth, MN home value: $191,000
Median annual Duluth, MN tax bill: $2,672, $272 higher than the national median property tax bill of $2,400.

How are property taxes in St. Louis County calculated?

Property taxes in Duluth, MN are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Duluth’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Duluth, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Duluth, St. Louis County, Minnesota Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.41%

Estimate Property Tax Bill

$2,693

$2,499

Ownwell’s Duluth Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Duluth with just two data points.

By entering your property's estimated assessed value, our calculator applies Duluth’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations.

This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in St. Louis County.

For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Duluth, St. Louis County, Minnesota

Local government entities set tax rates, which can vary widely within a state. Annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process. Below, you can compare Duluth’s effective property tax rate to other cities in Minnesota and the median property tax rates in Minnesota and the U.S. Duluth, located in St. Louis County, has a median property tax rate that is notably above the national median. Within the city, the highest median tax rate is found in the 55802 zip code, while the lowest is in the 55803 zip code. This variation illustrates how property tax rates can differ even within the same city. Understanding these differences can help property owners make informed decisions about their investments and potential savings through property tax appeals or exemptions.

Property Tax Rates Across Duluth, St. Louis County, Minnesota

Source: Ownwell

0.78%

1.44%

2.09%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Duluth Tax Rate

1.41%

Median Effective St. Louis County Tax Rate

1.26%

Median Effective Minnesota Tax Rate

1.11%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Duluth, St. Louis County, Minnesota

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
55802	1.45%	1.49%	1.50%	1.62%	1.83%
55803	1.03%	1.12%	1.35%	1.44%	1.50%
55804	0.95%	1.19%	1.42%	1.50%	1.53%
55805	1.26%	1.32%	1.43%	1.51%	1.51%
55806	1.21%	1.28%	1.42%	1.51%	1.53%
55807	1.23%	1.30%	1.38%	1.50%	1.51%
55811	1.08%	1.35%	1.44%	1.49%	1.51%
55812	1.38%	1.43%	1.49%	1.51%	1.64%
55801	N/A	N/A	N/A	N/A	N/A
55808	N/A	N/A	N/A	N/A	N/A
55810	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across Duluth, St. Louis County, Minnesota

When examining property taxes in Duluth, MN, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The St. Louis County appraisal district estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

In St. Louis County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Duluth.

For example, the median home price in Duluth is $191,000, with tax bills ranging significantly across the county. Zip code 55812 has the highest median home price at $245,400.

Property Tax Assessment Values Across Duluth, St. Louis County, Minnesota

Source: Ownwell

$17,750

$139,525

$261,300

Median Duluth Market Value

$191,000

Median St. Louis County Market Value

$137,900

Median Minnesota Market Value

$290,400

Median United States Market Value

$235,294

Property Tax Assessment Values Across Duluth, St. Louis County, Minnesota

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
55802	$14,120	$32,600	$208,700	$408,400	$581,780
55803	$15,000	$152,200	$232,800	$322,400	$441,720
55804	$15,700	$182,100	$243,600	$334,600	$471,930
55805	$50,900	$129,125	$156,300	$188,200	$230,650
55806	$12,350	$97,625	$132,900	$171,300	$239,900
55807	$7,000	$112,625	$151,450	$186,700	$230,710
55811	$15,500	$179,600	$241,000	$319,600	$436,640
55812	$130,000	$188,300	$245,400	$334,000	$505,100
55801	N/A	N/A	N/A	N/A	N/A
55808	N/A	N/A	N/A	N/A	N/A
55810	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Duluth, St. Louis County, Minnesota

In Duluth, located in St. Louis County, MN, property tax bills are calculated based on the assessed value of a home, which is determined by local assessors. The median home price in the area is $191,000. Tax rates are applied to this assessed value to determine the annual tax bill. In Duluth, the median property tax bill is considerably higher than the national median of $2,400, with some homeowners paying as much as $5,521 at the 90th percentile. Factors influencing the tax bill include property size, location, and any applicable exemptions. For instance, the highest median tax bill in the area is $3,546 in the 55812 zip code, whereas the lowest is $1,774 in the 55806 zip code. These figures highlight the variability in property tax burdens that homeowners may face. Ownwell assists homeowners by identifying potential savings on property tax bills through appeals and exemptions, ensuring they pay only what is necessary. By leveraging expert knowledge, Ownwell can effectively reduce the financial burden on homeowners.

Property Tax Bills Across Duluth, St. Louis County, Minnesota

Source: Ownwell

$299

$1,987

$3,674

Median Duluth Tax Bill

$2,672

Median St. Louis County Tax Bill

$1,738

Median Minnesota Tax Bill

$3,182

Median United States Tax Bill

$2,400

Property Tax Bills Across Duluth, St. Louis County, Minnesota

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
55802	$218	$502	$3,022	$6,208	$9,280
55803	$206	$1,748	$3,032	$4,214	$5,696
55804	$222	$2,258	$3,264	$4,416	$6,498
55805	$635	$1,730	$2,170	$2,686	$3,376
55806	$168	$1,190	$1,774	$2,385	$3,430
55807	$98	$1,414	$2,044	$2,604	$3,327
55811	$224	$2,354	$3,316	$4,446	$6,162
55812	$2,010	$2,783	$3,546	$4,942	$7,580
55801	N/A	N/A	N/A	N/A	N/A
55808	N/A	N/A	N/A	N/A	N/A
55810	N/A	N/A	N/A	N/A	N/A

Source: Ownwell