55804 Property Tax Rate
Duluth, Minnesota · Part of St. Louis County
Effective Tax Rate
1.14%
41.5% above state avgMedian Annual Tax
$3,263
$272/mo escrow
Estimate Your Tax
Annual Tax
$3,263
Monthly
$272
Eff. Rate
1.14%
Buyer decision brief
What ZIP 55804 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$272/mo
Based on median annual tax paid
State context
0.18 percentage points above the Minnesota average
Minnesota average: 0.96%
Data confidence
High confidenceThe Census margin of error is $154, about 5% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with St. Louis County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 55804 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$154 tax MOE, 5% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
St. Louis County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 55804
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $286,800, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.14%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Minnesota and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $272 per month before insurance, HOA dues, or special assessments.
Assessor verification
St. Louis County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 55804 Compares
Median Annual Property Tax
ZIP 55804
1.14%
Effective rate
Minnesota Avg
0.96%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Minnesota
Higher than 81% of ZIP codes in Minnesota(81th percentile, 849 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 55804
Property owners in ZIP code 55804 (Duluth, Minnesota) pay a median of $3,263/year in property taxes on homes valued at $286,800. This translates to an effective tax rate of 1.14%, which is 19% above the Minnesota state average of 0.96%.
The monthly property tax burden for a median-valued home in 55804 is approximately $272, which factors into escrow payments on mortgages. This ZIP code is located within St. Louis County. This is $957 more than the Minnesota average of $2,306/year.
Compared to similar ZIP codes in Minnesota, 55804 has higher property taxes. ZIP codes with similar effective rates include 56723 (1.14%) and 55918 (1.14%).
In Duluth, property taxes represent approximately 3.0% of the median household income of $108,231, providing context for the relative tax burden on homeowners in this area.
Minnesota's homestead classification system taxes primary residences at a lower class rate than rental or commercial property, providing immediate tax savings upon purchase. File your homestead exemption application with the St. Louis County Assessor immediately after closing to lock in the reduced assessment ratio for school and local taxes. Contact the St. Louis County Assessor's office to verify your property has been classified as homestead-eligible and confirm your tax year filing deadline.
Frequently Asked Questions
What is the property tax rate in ZIP code 55804?
How much are property taxes in Duluth, MN (55804)?
How does ZIP 55804 compare to the Minnesota average?
What is the median home value in ZIP 55804?
What county is ZIP code 55804 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$154. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 55804 is part of St. Louis County, Minnesota. View the full county profile for broader context and more data.
View St. Louis County on TaxByCounty →Explore Duluth, MN
View all 10 ZIP codes in Duluth with property tax comparisons.
View Duluth Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 55804
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
55805
Duluth, MN
0.04 percentage points lower than ZIP 55804.
Rate
1.10%
Tax
$1,878
Quality
101
55810
Duluth, MN
0.02 percentage points lower than ZIP 55804.
Rate
1.11%
Tax
$2,492
Quality
101
55808
Duluth, MN
0.00 percentage points lower than ZIP 55804.
Rate
1.14%
Tax
$1,791
Quality
101
55765
Meadowlands, MN
0.63 percentage points lower than ZIP 55804.
Rate
0.51%
Tax
$940
Quality
84
55750
Hoyt Lakes, MN
0.54 percentage points lower than ZIP 55804.
Rate
0.60%
Tax
$542
Quality
89
55738
Forbes, MN
0.53 percentage points lower than ZIP 55804.
Rate
0.60%
Tax
$875
Quality
84
55710
Britt, MN
0.50 percentage points lower than ZIP 55804.
Rate
0.63%
Tax
$1,418
Quality
89
55708
Biwabik, MN
0.47 percentage points lower than ZIP 55804.
Rate
0.67%
Tax
$721
Quality
84
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.