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Last Updated: 4/16/2018

Mortgage Tax Rate

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​The state Mortgage Tax rate is 0.0023 of the debt that is being secured by a mortgage on Minnesota real property. Hennepin and Ramsey counties have an additional Environmental Response Fund Tax of 0.0001 (ERF Tax).*   



​Mortgage Registration Tax Rate

​Environmental Response Fund Rate

State Rate for all Minnesota Counties

​0.0023 ​N/A

​Hennepin County (ERF Tax)


​Ramsey County (ERF Tax)




A mortgage is recorded, securing a debt $100,000. Depending where the property is located, the Mortgage Tax would be as follows:

Location of Sale

​Mortgage Registration Tax Rate

​Tax Due

​Hennepin County

​(0.0023 x $100,000) + (0.0001 x $100,000)


​Ramsey County

​(0.0023 x $100,000) + (0.0001 x $100,000)


​All other Minnesota counties

​0.0023 x $100,000


Note: The mortgagor (borrower) is the person liable for the tax, which is imposed on the recording of a mortgage.

* See Minnesota Statutes, section 383A.80 and section 383B.80.