Duluth, St. Louis County, Minnesota Property Taxes
Property Taxes in Duluth, Minnesota
Median Duluth, Minnesota effective property tax rate: 1.34%, significantly higher than the national median of 1.02%, and higher than the Minnesota state median of 1.13%.
Median Duluth, Minnesota home value: $207,950
Median annual Duluth, Minnesota tax bill: $2,844, $444 higher than the national median property tax bill of $2,400.
How are property taxes in St. Louis 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, St. Louis County, Minnesota Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.34%
Estimate Property Tax Bill
$2,787
$2,586
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 1.34% — based on actual property records in St. Louis 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 $1,933.00 in 55806 to $3,836.00 in 55812, 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, St. Louis, Minnesota
Duluth’s median effective property tax rate of 1.34% is higher than the Minnesota state median of 1.13% and higher than the national median of 1.02%. This rate reflects the St. Louis 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 55802 ZIP code carry a median effective rate of 1.63%, while those in 55803 pay 1.26%. This spread reflects how school district boundaries and local assessment districts are drawn across St. Louis 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 local Tax Assessor before the April 30, 2026 deadline each year.
If your estimated bill 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, St. Louis 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
1.34%
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 St. Louis County Tax Rate
1.21%
Median Effective Minnesota Tax Rate
1.13%
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 | 1.22% | 1.40% | 1.63% | 2.17% | 2.86% |
| 55803 | 0.97% | 1.08% | 1.26% | 1.38% | 1.49% |
| 55804 | 0.97% | 1.14% | 1.36% | 1.50% | 1.70% |
| 55805 | 1.15% | 1.30% | 1.40% | 1.57% | 1.59% |
| 55806 | 1.17% | 1.26% | 1.37% | 1.51% | 1.59% |
| 55807 | 1.13% | 1.23% | 1.32% | 1.46% | 1.60% |
| 55811 | 1.01% | 1.20% | 1.35% | 1.45% | 1.53% |
| 55812 | 1.33% | 1.38% | 1.45% | 1.54% | 1.67% |
| 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, 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 St. Louis County assesses 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 St. Louis County, assessment notices are sent in April 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. The median home price in Duluth is $207,950, with tax bills ranging significantly across the county. Zip code 55804 has the highest median home price at $266,700.
Property Tax Assessment Values Across Duluth, St. Louis County, Minnesota
Source: Ownwell
$26,600
$155,000
$283,400
Median Duluth Market Value
$207,950
Median St. Louis County Market Value
$153,800
Median Minnesota Market Value
$304,400
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 | $15,400 | $38,600 | $244,200 | $473,950 | $677,200 |
| 55803 | $17,300 | $166,875 | $255,100 | $354,925 | $479,400 |
| 55804 | $17,490 | $199,425 | $266,700 | $364,200 | $516,830 |
| 55805 | $64,100 | $137,700 | $166,700 | $200,400 | $248,700 |
| 55806 | $12,690 | $105,900 | $144,850 | $185,950 | $259,360 |
| 55807 | $6,760 | $121,700 | $161,800 | $200,200 | $252,580 |
| 55811 | $17,000 | $197,500 | $257,600 | $345,800 | $471,210 |
| 55812 | $130,000 | $202,650 | $265,800 | $370,900 | $560,480 |
| 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
Property tax bills in Duluth are based on the assessed value of a home and the local tax rate set by taxing authorities in St. Louis County. When a property’s market value changes, the assessed value can change as well, which affects the final bill. Local budgets, school funding, and other public services also influence how much homeowners owe each year.
For a home with a median price of $207,950, the property tax bill can vary widely depending on location and assessment details. The 25th percentile tax bill is $1,640, while the 75th percentile is $4,076, and the 90th percentile reaches $5,886. That means two similar homes in different parts of the city can face very different tax bills.
Homeowners in Duluth may see higher or lower taxes based on neighborhood, property characteristics, and the accuracy of the assessment. The highest median tax bill is $3,836 in ZIP code 55812, while the lowest median tax bill is $1,933 in ZIP code 55806.
Median Duluth Tax Bill
$2,844
Median St. Louis County Tax Bill
$1,856
Median Minnesota Tax Bill
$3,364
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 | $282 | $920 | $3,458 | $6,719 | $11,058 |
| 55803 | $244 | $1,814 | $3,231 | $4,478 | $6,058 |
| 55804 | $264 | $2,452 | $3,502 | $4,796 | $7,140 |
| 55805 | $630 | $1,874 | $2,363 | $2,914 | $3,683 |
| 55806 | $168 | $1,234 | $1,933 | $2,551 | $3,701 |
| 55807 | $98 | $1,427 | $2,078 | $2,684 | $3,488 |
| 55811 | $212 | $2,441 | $3,360 | $4,583 | $6,450 |
| 55812 | $2,101 | $2,995 | $3,836 | $5,276 | $8,328 |
| 55808 | N/A | N/A | N/A | N/A | N/A |
| 55810 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 30 |
Links | |
|---|---|
| St. Louis Tax Assessor | |
| Website | www.stlouiscountymn.gov |