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⚡ Calculadora de Pago de Deudas en Minnesota — 2026

Minnesota (MN) · Impuesto estatal: 9.85% · Impuesto predial: 1.12% · Casa mediana: $335,000

Escrito por Jere Salmisto·Revisado por CalcFi Editorial·Última revisión 2026-04-19·Metodología

¿Buscas la calculadora nacional de Calculadora de Pago de Deudas? Ver la Calculadora de Pago de Deudas nacional.

El servicio de deuda en Minnesota compite con tus gastos esenciales, anclados al índice de costo de vida de 98.3. La tasa marginal superior del impuesto estatal es del 9.85%. Vivienda es típicamente la categoría más grande — valor mediano $335,000 con impuesto predial 1.12%. Esto afecta directamente tu relación deuda-ingreso que los prestamistas exigen bajo 36–43%.[1][2]

Datos clave de Minnesota (2026)

Impuesto estatal

9.85%

Casa mediana

$335,000

Impuesto predial

1.12%

Costo de vida

98.3

Ingreso mediano del hogar: $92,350 · Pago PITI estimado en casa mediana: $2,298/mes [3]

Usa la calculadora de pago de deudas

Cómo funciona el cálculo

La calculadora de pago de deudas aplica los números locales de Minnesota de 2026 a la fórmula estándar del cálculo. Los datos de estado vienen del repositorio de CalcFi con refresco automático ISR de 24 horas. Fuentes primarias: Zillow ZHVI[1], BEA RPP[7], Tax Foundation[2].

Cómo se compara Minnesota

MétricaMinnesotaProm. EE.UU.IANDSD
Casa mediana$335,000$425,000$245,000$245,000$295,000
Impuesto predial1.12%1.11%1.57%0.98%0.82%
Impuesto estatal (marginal)9.85%~5%5.70%5.94%Ninguno
Índice costo de vida98.3100.0878889

Última revisión 2026-04-19. Estimaciones 2026. Variaciones por condado y ciudad.[7]

← Ver Calculadora de Pago de Deudas (sin filtro de estado)
🇺🇸English version: Calculadora de Pago de Deudas for Minnesota →

Estados vecinos — Calculadora de Pago de Deudas

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Calculadoras relacionadas

⚖️Relación Deuda-Ingreso (DTI)💳Calculadora de Interés de Tarjeta de Crédito🔀Calculadora de Transferencia de Saldo

Preguntas frecuentes

¿Cómo funciona la calculadora de pago de deudas en Minnesota?
La calculadora de pago de deudas combina tres inputs: (1) la fórmula de cálculo que corre localmente en tu navegador (sin enviar datos), (2) constantes financieras de Minnesota para 2026 — impuesto estatal 9.85%, impuesto predial 1.12%, casa mediana $335,000 — y (3) promedios nacionales para comparación. Todos los números provienen de datasets públicos primarios citados al final de esta página.

Datos financieros de Minnesota (2026)

Impuesto estatal
9.85%
Impuesto predial (efectivo)
1.12%
Valor mediano de vivienda
$335,000
Seguro de hogar (promedio)
$1,680/año
Índice costo de vida (RPP)
98.3
Abreviatura
MN
Metodología — cómo calculamos estos números

Las páginas pSEO de CalcFi combinan tres inputs: (1) la fórmula de la calculadora, que corre del lado del cliente (ningún dato sale de tu navegador); (2) constantes financieras a nivel de estado de datasets públicos primarios; y (3) benchmarks nacionales para comparación. La página de Minnesota usa el impuesto predial (1.12%), el precio mediano de vivienda ($335,000), y el 9.85% de impuesto estatal de las fuentes listadas más abajo.

Frecuencia de actualización: los tramos de impuesto estatal y salario mínimo se revisan anualmente tras cada sesión legislativa. Impuesto predial, precio mediano de vivienda, seguro, y cifras de costo de vida se revisan anualmente contra fuentes primarias. El dateModified de la página coincide con la fecha más reciente de revisión editorial mostrada arriba.

Limitaciones conocidas: los promedios estatales ocultan gran varianza intra-estado — el impuesto predial a nivel de condado y los precios de vivienda metropolitanos difieren significativamente de las cifras mostradas. Para cálculos más precisos, cruza la salida con el tasador de tu condado y las tablas de impuestos federales/estatales vigentes al momento de presentar tu declaración.

Sources

Every number on this page cites a primary public dataset. Last reviewed 2026-04-19 (auto-bumped on the next ISR refresh after an ETL run).

  1. Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
  2. FDIC — National Deposit Rates (savings, checking, CD) — www.fdic.gov/resources/bankers/national-rates. Retrieved 2026-04-19.
  3. Internal Revenue Service — federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
  4. FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
  5. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
  6. Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index) — www.zillow.com/research/data. Retrieved 2026-04-19.
  7. Tax Foundation — Property Taxes Paid as % of Owner-Occupied Housing Value; State Tax Rates and Brackets; Estate/Inheritance; Social Security Taxation — taxfoundation.org/data/all/state. Retrieved 2026-04-19.
  8. NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
  9. State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
  10. Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
  11. U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
  12. BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.

CalcFi does not sell data. If you spot an error, email [email protected] with the URL and the correct figure.

Calculadoras relacionadas

  • Relación Deuda-Ingreso (DTI)
  • Calculadora de Interés de Tarjeta de Crédito
  • Calculadora de Transferencia de Saldo
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Assumptions

  • ·Fixed-APR amortization; tracks payoff date and interest across multiple entered debts
  • ·Extra payment allocation: avalanche (highest APR), snowball (lowest balance), or custom
  • ·Total interest saved and payoff date acceleration vs. minimums-only shown
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  • ·Minimum payment reduction as balance declines (1–2% of balance) not auto-updated
Assumptions▾
  • ·Fixed-APR amortization; tracks payoff date and interest across multiple entered debts
  • ·Extra payment allocation: avalanche (highest APR), snowball (lowest balance), or custom
  • ·Total interest saved and payoff date acceleration vs. minimums-only shown
  • ·Month-by-month balance decline charted per debt account
When this is wrong
  • ·Variable APR changes (Prime-linked cards) will shift optimal payoff ordering over time
  • ·Balance transfer or consolidation opportunity may warrant different approach
  • ·Charge-off and settlement scenarios require different math — not modeled here
  • ·Minimum payment reduction as balance declines (1–2% of balance) not auto-updated

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Strategy: avalanche

Stay on this pace and you're done with this debt 4y 8m from today. Each extra $100/mo cuts roughly 1-2 months off the timeline depending on APR.

Interest Saved vs Minimums
$8,308positivepositive trend

Total interest: $4,945

Sticking to avalanche instead of paying minimums saves $8,308 in interest. That's money the bank doesn't get — keep it.

Total Balance Paydown

Per-Debt Payoff Timeline

Credit Card A1y 2m · $465 interest
Credit Card B2y 5m · $1,571 interest
Student Loan4y 8m · $2,910 interest
Total Starting Balance$23,000
Monthly Budget$500
Sum of Minimums$325
Extra Applied to Priority$175
Total Interest (this strategy)$4,945
Total Interest (minimums only)$13,253
Interest Saved$8,308

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Published byJere Salmisto· Founder, CalcFiReviewed byCalcFi EditorialEditorial standardsMethodologyLast verified April 21, 2026

Primary sources & authoritative references

Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.

  • Federal Reserve G.19 — Consumer Credit Outstanding — Board of Governors of the Federal Reserve SystemMonthly aggregate consumer credit data backing payoff projections. (opens in new tab)
  • CFPB — Debt Collection: Know Your Rights — Consumer Financial Protection BureauFDCPA rules governing debt collection practices. (opens in new tab)
  • FTC — Paying Off Debt: Tips and Resources — Federal Trade CommissionConsumer guidance on legitimate debt-payoff strategies. (opens in new tab)
  • CFPB — Best Ways to Pay Off Credit Card Debt (avalanche/snowball) — Consumer Financial Protection BureauFederal guidance on choosing between avalanche and snowball methods. (opens in new tab)
  • FRED — Commercial Bank Interest Rate on Credit Cards — Federal Reserve Bank of St. LouisNational average APR series used as interest-rate input to payoff math. (opens in new tab)
  • FDIC — Strategies for Reducing Debt — Federal Deposit Insurance CorporationFederal guidance on debt-prioritization approaches. (opens in new tab)

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Months to Payoff

999
Extra Monthly Payment$0
$0
$0$500
Interest Rate24.00%
24.00%
19.00%29.00%

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