How much do homeowners pay a month in White Bear Township, MN?

Name: Homeowner costs in White Bear Township, MN, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in White Bear Township, MN pay a median of $2,160 (±$126) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $741 (±$45).

65.4% of owned homes carry a mortgage.

In White Bear Township, the median monthly cost with a mortgage went from $1,748 in 2015–2019 to $2,160 in 2020–2024 (+23.6%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $2,160 (±$126)
Without a mortgage: $741 (±$45)
Owned with a mortgage: 65.4%

Monthly owner costs in White Bear Township

Median selected monthly owner costs, estimate (90% margin of error)
	White Bear Township	Ramsey County	Minnesota	United States
With a mortgage	$2,160 (±$126)	$1,975 (±$17)	$1,947 (±$7)	$1,963
Without a mortgage	$741 (±$45)	$785 (±$11)	$698 (±$3)	$638
Owned homes with a mortgage	65.4% (±4.5 points)	65.3% (±1.0 points)	64.0% (±0.2 points)	60.6%
Median real estate taxes (a year)	$4,429 (±$139)	$3,966 (±$34)	$3,357 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In White Bear Township, the median cost with a mortgage is higher than in Ramsey County ($1,975).

It is also higher than in Minnesota ($1,947).

It is higher than the national figure ($1,963).

In Ramsey County, White Bear Township ranks 5 of 16 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 354 of 2,496.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in White Bear Township have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,748 (±$91)	$2,160 (±$126)	+23.6%	No measurable change after inflation
Median real estate taxes	$3,235 (±$150)	$4,429 (±$139)	+36.9%	Up after inflation
Median home value	$279,000 (±$7,022)	$386,300 (±$15,548)	+38.5%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near White Bear Township

Nearest places with a published estimate, compared with White Bear Township
Place	Distance	Median monthly cost with a mortgage	Compared with this place
White Bear Township	—	$2,160 (±$126)	—
White Bear Lake	2.6 mi	$1,888 (±$66)	Lower
Dellwood	2.8 mi	$3,383 (±$199)	Higher
Gem Lake	2.9 mi	$3,031 (±$478)	Higher
Vadnais Heights	3.6 mi	$1,877 (±$149)	Lower
Birchwood Village	3.7 mi	$2,361 (±$177)	Not measurably different
North Oaks	3.7 mi	$3,913 (±$184)	Higher
Mahtomedi	4.0 mi	$2,744 (±$183)	Higher
Willernie	4.6 mi	$2,019 (±$292)	Not measurably different

Nearby places with a measurably lower figure: White Bear Lake, MN ($1,888), Vadnais Heights, MN ($1,877).

Nearby places with a measurably higher figure: Dellwood, MN ($3,383), Gem Lake, MN ($3,031), North Oaks, MN ($3,913).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Ramsey County, place by place

Rank	Place	Median monthly cost with a mortgage
1	North Oaks	$3,913 (±$184)
2	Gem Lake	$3,031 (±$478)
3	Arden Hills	$2,513 (±$200)
4	Falcon Heights	$2,257 (±$242)
5	White Bear Township	$2,160 (±$126)
6	Shoreview	$2,146 (±$86)
7	New Brighton	$2,134 (±$84)
8	Roseville	$2,125 (±$87)
9	Maplewood	$2,010 (±$84)
10	Little Canada	$1,994 (±$141)
11	Mounds View	$1,979 (±$93)

Showing 11 of 16 places in Ramsey County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about White Bear Township

What is the average mortgage payment in White Bear Township?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in White Bear Township, MN is $2,160 (±$126) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in White Bear Township?

Owners without a mortgage in White Bear Township pay a median of $741 (±$45) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in White Bear Township gone up?

In White Bear Township, the median monthly cost with a mortgage went from $1,748 in 2015–2019 to $2,160 in 2020–2024 (+23.6%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for White Bear township, Ramsey County, Minnesota (county subdivision:69916, in state:27 county:123).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.