Eagan · First-Time Buyers
Your First Home in Eagan
Learn how buying works before you shop, explained in plain words, so you know what you're signing.
Buying your first home in Eagan
Eagan has nearly 30,000 housing units and a wide variety of housing, so a first-time buyer has real choices. I'm Lesley, a REALTOR® with Bridge Realty, and we help you test those choices with real numbers.
Can a first-time buyer afford Eagan? It depends on the type of home and where it sits. The Census survey for 2020 to 2024 put the median owner-occupied home value at $397,100. That is a survey figure, not today's sale prices, so we pull recent sales for the homes you are considering.
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What first-time buyers should check in Eagan
- Property taxes. Dakota County keeps the records. Its free Property Information Search shows the tax on any Eagan home.
- Utilities. The city provides water and sewer. Dakota Electric serves most homes, with Xcel Energy in some areas, and natural gas is Minnesota Energy Resources or CenterPoint Energy.
- Trash. The city does not provide garbage service. You choose a city-licensed hauler, so add that bill to your budget.
- Transit. MVTA runs express buses from the Eagan Transit Station and the Blackhawk Park and Ride, and the Cedar Grove Transit Station connects to the METRO Red Line.
What it costs, and the help available
Plan for four costs: earnest money with your offer, the inspection, your down payment, and closing costs. Down payments are often far less than 20 percent, and assistance may be available if you qualify. If your credit needs work, a lender can give you a plan. Our first-time buyer page explains each cost, and getting ready covers pre-approval. Comparing with a neighboring city? See Inver Grove Heights.
Ask us your first question about Eagan
You do not have to be ready to buy. Bring your questions, and you will leave with a plan. More on the community is on our Eagan page, and the steps are on how we help buyers.
Send us a message or call (651) 661-4770.
Frequently Asked Questions
How much do I need for a down payment in Eagan?
Often less than 20 percent, and assistance may be available if you qualify. A lender's Loan Estimate shows your expected cash to close.
Can I get to work without a car from Eagan?
It depends on the job. MVTA runs express buses to Minneapolis and St. Paul from the Eagan Transit Station at 3470 Pilot Knob Road and the Blackhawk Park and Ride.
Does Eagan pick up my trash?
No. You choose a city-licensed hauler, and every licensed hauler must offer curbside recycling.
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Tell Us About The Home You Want
Homes For Sale In Eagan
See every home on the market in Eagan right now, updated from the MLS.
Eagan
What first-time buyers looks like in Eagan
Eagan is the second-largest city in Dakota County, south of and an equal distance from downtown Minneapolis and St. Paul, with more than 1,300 acres of parkland.
Eagan is one of the south metro communities where we help buyers and sellers, and we know how its neighborhoods differ in age, schools, and commute.
- The homes
- A wide variety of housing, nearly 30,000 units in all. Much of the city was built as it grew from about 20,700 people in 1980 to about 63,600 in 2000.
- Schools people ask about
- Three school districts serve different parts of the city: Rosemount-Apple Valley-Eagan (ISD 196), West St. Paul-Mendota Heights-Eagan (ISD 197), and Burnsville-Eagan-Savage (ISD 191). Confirm the district for any address.
- Getting around
- Interstates 35E and 494 and Highways 13, 55, 77 (Cedar Avenue), and 149 all run through the city, and the airport is just across the Minnesota River.
- Nearby
- More than 1,300 acres of city parkland, more than 150 miles of trails and sidewalks, and Lebanon Hills Regional Park, Dakota County's largest park.
- The trade-off
- Three school districts and several highways cross the city, so where a home sits changes both its schools and its drive.
First-Time Buyers: keep exploring
Ready to make your move with Lesley The Realtor?