Duluth, Carlton County, Minnesota Property Taxes
Property Taxes in Duluth, Minnesota
Median Duluth, Minnesota effective property tax rate: 1.09%, significantly higher than the national median of 1.02%, and lower than the Minnesota state median of 1.13%.
Median Duluth, Minnesota home value: $383,250
Median annual Duluth, Minnesota tax bill: $4,146, higher than the national median property tax bill of $2,400.
How are property taxes in Carlton calculated?
Property taxes in Duluth, Minnesota 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 April 13, 2026
Duluth, Carlton County, Minnesota Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.09%
Estimate Property Tax Bill
$4,177
$3,877
How Does the Duluth Property Tax Calculator Work?
Use this Duluth property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Duluth's median effective tax rate of 1.09% — based on actual property records in Carlton County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment system uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Duluth's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Duluth: rates range from 1.09% in 55810 to 1.09% in 55810, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Duluth.
About Duluth Property Taxes
About Property Taxes in Duluth, Carlton, Minnesota
Duluth’s median effective property tax rate of 1.09% is lower than the Minnesota state median of 1.13% and higher than the national median of 1.02%. This rate reflects the Carlton County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Duluth. Homeowners in the 55810 ZIP code carry a median effective rate of 1.09%, while those in the same ZIP code also pay 1.09%. This spread reflects how school district boundaries and local assessment districts are drawn across Carlton County. Understanding which part of Duluth you live in can make a meaningful difference to your annual tax bill.
Duluth homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the April 30, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Duluth, Carlton County, Minnesota
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because 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.
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
1.09%
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 Carlton County Tax Rate
1.10%
Median Effective Minnesota Tax Rate
1.13%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Duluth, Carlton County, Minnesota
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 55810 | 0.99% | 1.06% | 1.09% | 1.11% | 1.14% |
Source: Ownwell
Property Tax Assessment Values Across Duluth, Carlton County, Minnesota
When examining property taxes in Duluth, Minnesota, 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 Carlton County assessment office 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.
Assessment notices:
In Carlton County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of March.
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 $383,250, with tax bills ranging significantly across the county. 55810 has the highest median home price at $383,250.
Property Tax Assessment Values Across Duluth, Carlton County, Minnesota
Source: Ownwell
$117,300
$250,275
$383,250
Median Duluth Market Value
$383,250
Median Carlton County Market Value
$225,600
Median Minnesota Market Value
$304,400
Median United States Market Value
$235,294
Property Tax Assessment Values Across Duluth, Carlton County, Minnesota
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 55810 | $247,520 | $319,475 | $383,250 | $520,475 | $667,100 |
Source: Ownwell
Property Tax Bills Across Duluth, Carlton County, Minnesota
Property tax bills in Duluth are based on the assessed value of a home, not its market price alone. Local taxing authorities apply the property tax rate to that assessed value, and the final bill reflects the mix of city, county, school, and other local levies. For homeowners, this means two similar homes can still receive different bills if their assessed values or tax treatment differ.
With a median home price of $383,250, Duluth homeowners often see bills that are well above the national median property tax bill of $2,400. The 25th percentile tax bill is $3,202, while the 75th percentile is $5,692 and the 90th percentile reaches $7,290. In the area’s ZIP code 55810, the median tax bill is $4,146.
These bills can have a major impact on monthly housing costs and long-term affordability, especially when assessments rise faster than a homeowner expects.
Median Duluth Tax Bill
$4,146
Median Carlton County Tax Bill
$2,682
Median Minnesota Tax Bill
$3,364
Median United States Tax Bill
$2,400
Property Tax Bills Across Duluth, Carlton County, Minnesota
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 55810 | $2,165 | $3,202 | $4,146 | $5,692 | $7,290 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 30 |
Links | |
|---|---|
| Carlton Tax Assessor | |
| Website | beacon.schneidercorp.com |