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Mortgage Calculator &
Closing Costs: Eagan, MN

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Eagan, Minnesota.

Median Home Price
$365K
Population
68K
Avg Monthly Rent
$1,480
Property Tax Rate
1.12%
Eagan vs Minnesota Median
The median home price in Eagan is $365,000, which is 9% above the Minnesota state median of $335,000.

Mortgage Calculator — Eagan, MN

Pre-filled with Eagan median home price and Minnesota tax/insurance rates. Adjust for your property.

$
$73,000
%
%
years
MN avg
%
$
Monthly Payment (PITI)
$2,361
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,846
per month
Taxes & Insurance
$516
per month
Total Interest Paid
$372K
over 30 years
Total Loan Cost
$664K
all payments
Payment Breakdown
Loan Amount$292,000
Principal & Interest$1,846
Property Taxes$341
Homeowners Insurance$175
Total Monthly PITI$2,361

Closing Costs — Eagan, MN

Estimated closing costs based on Minnesota rates and fees applied to Eagan prices.

$
%
Minnesota: Avg closing costs 1.4% of price. Transfer tax: 0.33%.
Estimated Closing Costs
$12,904
3.5% of purchase price
Lender Fees
$3,053
origination, underwriting
Third-Party
$3,275
appraisal, title, inspection
Government Fees
$1,205
transfer taxes, recording
Prepaids + Escrow
$5,372
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,628
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,125
Recording Fee$150
Transfer Tax$1,205
Prepaid Taxes (3 mo)$1,022
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$878
Escrow Reserves$1,372
Total Closing Costs$12,904

Buying a Home in Eagan, Minnesota

The median home price in Eagan is $365,000, 9% above the Minnesota state median of $335,000. With a population of 68,494, Eagan is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Minnesota average 1.12% annually. This moderate property tax rate means a $365,000 home in Eagan would carry roughly $341/month in property taxes. Homeowners insurance in Minnesota runs approximately $2,100 per year. This is within the normal range nationally.

Average rent in Eagan is $1,480/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Eagan presents moderate affordability. The $365K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Eagan.
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