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Winona County Conventional Mortgage Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Winona County, Minnesota based on real HMDA transaction records.

Loan Details

Winona County, MN Benchmarks

Conventional averages
Typical Property Value$308,459
Average Down Payment22.8%
Average Interest Rate6.676%
Effective Tax Rate0.86%
Median Tax Paid$2,180/yr
Tax Growth (Historical)+0.7%
Based on 901 regional loans totaling $137,045,000 (HMDA database).
$
%

$70,329 down · $238,130 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$221 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,905/mo

  • Principal & Interest$1,533
  • Property Tax$221
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$238,130

Total Interest

$313,910

Total of Payments

$552,040

Local Market Insights

Winona County Conventional Mortgage Overview

In Winona County, the 22.81% average down payment on a Conventional loan is a strong indicator of buyer financial health, allowing most to avoid Private Mortgage Insurance (PMI) from the outset. With a median Loan-to-Value (LTV) of 77.19%, these owner-occupied buyers have immediate equity. The effective property tax rate of 0.86%, with a recent 0.7% inflation-adjusted increase, adds roughly $22 per month to a $308,459 property, a modest but real impact on monthly affordability. For a detailed analysis of your specific scenario using a conventional loan with taxes in Winona County, MN, our interactive tool can model the precise monthly payment, including how the low LTV eliminates PMI costs.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.