Apple Valley, MN · Updated Oct 2026

What a Apple Valley house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Apple Valley house

$9,504a year · $792 a month

Starts at $370,800 of value before exemptions. Typical use.

Property tax$4,532
1.494% of $370,800, less $500,000 1.00% class rate on the first $500,000 and less $13,178 homestead market value exclusion
Electricity and gas$2,228
700 kWh a month $1,328 · 61.79 therms $836 · City fee (franchise fee passed through by Dakota Electric and CenterPoint) $65
Water and sewer$970
7,000 gallons a month on City of Apple Valley: water $24, sewer $41, storm water charge (single-family homes, duplexes and townhouses of 8 units or less) $13, street light charge (single-family homes, duplexes and townhouses of 8 units or less) $3 a month
TrashNot included
Residents choose a licensed private trash hauler; the City does not collect trash
Home insurance$1,774
Typical premium $1,774

A typical Apple Valley house pays about $9,500 a year: $4,530 property tax and charges, $970 water and sewer, $2,230 electricity and gas, $1,770 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 21, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

File for homestead
Homestead reduces property taxes for owners who occupy the home as their primary residence. The homestead market value exclusion is 40% of market value for homesteads valued at $95,000 or less (a maximum of $38,000), is reduced as values rise, and phases out at $517,200 or more.
How: Apply online with Dakota County by Dec. 31; it affects the next year's taxes.
Claim the Minnesota property tax refund
Homestead owners with household income under $142,490 may get a refund based on their property tax; a special refund applies when net property tax rises at least 12% and $100.
How: File Form M1PR with the Minnesota Department of Revenue by August 15 (late filing allowed up to one year).
Seniors 65+: defer part of your property tax
The Senior Citizen Property Tax Deferral keeps taxes from exceeding 3% of net income; the state pays the rest as a low-interest loan that becomes a lien on the home.
How: You must be 65 (if married, one spouse 65 or older and the other at least 62), have household income of $96,000 or less, and have lived in, owned and homesteaded the home for the last five years; apply by Nov. 1.
Veterans with a 70%+ disability rating: market value exclusion$150,000 or $300,000 off market value
Honorably discharged veterans with a service-connected disability rating of 70% or higher who own and occupy a homestead can get a $150,000 market value exclusion; a 100% permanent and total disability rating qualifies for $300,000.
How: Apply with Dakota County by Dec. 31; it affects the next year's taxes.
Water efficiency rebatesUp to $150 per device
Apple Valley water customers can get 50% of the cost up to $100 for a WaterSense toilet, 50% up to $150 for a WaterSense irrigation controller, and $150 for an Energy Star clothes washer, while rebate funds last.
How: Submit the receipt with the rebate request form; the rebate comes as a credit on your water bill.
LIHEAP households: CenterPoint Gas Affordability Program
Residential customers who receive LIHEAP energy assistance and agree to a levelized payment plan and a payment schedule can get an affordability bill credit and arrearage forgiveness.
How: The program is available to residential customers qualified for and receiving LIHEAP assistance.
Pay property tax by bank transfer, not card
Dakota County charges a 2.29% convenience fee for paying online by credit or debit card, but $0.35 for an electronic transfer from a bank account.
How: Pay online from your checking or savings account, or enroll in the free automatic payment program.

Money dates

Nov 1in 9 daysSenior Citizen Property Tax Deferral applications due to defer next year's taxes
Dec 31in 69 daysHomestead and Disabled Veterans applications due with Dakota County; both affect the next year's taxes
May 15First half of Dakota County real estate taxes due; paying first-half homestead taxes on June 1 adds a 4% penalty
Aug 15Minnesota property tax refund (Form M1PR) due; you may still file up to one year late

Who serves this house

Water: City of Apple Valley; City of Apple Valley, single-family homes billed quarterly
Property tax: 1.49% of value; 2026 taxes payable, Dakota County (Apple Valley tax area 0104: ISD 196, Vermillion River watershed)
Garbage: Licensed private haulers; Residents select any licensed hauler; each residential hauling zone has its own collection day, and recycling is run jointly through Dakota Valley Recycling
Sewer: City of Apple Valley; City sewers carry wastewater to Metropolitan Council Environmental Services; billed on the city utility bill
Electricity: Dakota Electric Association; Apple Valley's franchise fee on residential accounts is 3% of consumption, up to $25 a month, shown as a City fee on the bill
Gas: CenterPoint Energy; Apple Valley's franchise fee on residential accounts is 3% of gross revenues, shown as a City fee on the bill
Schools: Rosemount-Apple Valley-Eagan (ISD 196); Apple Valley is primarily served by ISD 196; a small northwestern corner is served by ISD 191 (Burnsville-Eagan-Savage)

Pay or manage your bills

Your water

Source: Groundwater from as many as 14 wells, with five wells on standby for emergency use only; most wells go about 500 feet into the Jordan Aquifer and the deep wells over 1,000 feet into the Mt. Simon-Hinkley Aquifer
Hardness: About 24 grains per gallon of hardness before and after treatment
Treatment: The treatment plant removes iron and manganese with chlorine, sodium permanganate and sand filters; fluoride is added as state law requires
Lead: Service line inventory (Sept. 13, 2024): 0 lead lines, 0 galvanized lines needing replacement, 0 unknown and 18,023 non-lead lines

Other MN cities

How these numbers are made

Water: City of Apple Valley 2026 rates for quarterly-billed houses: the $28.35 quarterly minimum ($9.45 a month) plus the $15.22-a-year state water testing fee ($1.27 a month), then $1.95, $2.03, $2.52, $3.16 and $3.75 per 1,000 gallons. The tier limits (15,000, 30,000, 45,000 and 105,000 gallons) are per quarterly bill, so we use 5, 10, 15 and 35 thousand gallons a month.
Sewer: the $38.79 quarterly minimum ($12.93 a month) plus $4.14 per 1,000 gallons. Apple Valley bills houses on the average of three winter months of water use and its sewer rate rises above 15,000 gallons a quarter; the calculator charges $4.14 on the water use you enter. Storm water ($39.87 a quarter, $13.29 a month) and street lights ($8.25 a quarter, $2.75 a month) are added as utility fees.
Garbage: Apple Valley licenses private haulers and sets no prices, and there is no city trash or recycling fee on the utility bill, so trash is not counted. Your hauler's price comes on top.
Property tax: Dakota County's final 2026 payable rates for Apple Valley tax areas 0104/0105 (ISD 196, Vermillion River watershed; the most common area for Apple Valley homesteads in the county's parcel data): 95.31% of tax capacity (county 21.031%, city 46.059%, schools 24.9%, special districts 3.32%) plus 0.30298% of market value for the city and school referendum levies. Minnesota taxes a home on tax capacity: 1.00% of taxable market value up to $500,000 and 1.25% above, so each tax-capacity rate is applied at 1.00% and one extra line adds 0.25% times 95.31% on value above $500,000. Owner-occupied homesteads also get the homestead market value exclusion, computed for the value you enter (40% of the first $95,000, reduced by 9% of value above $95,000, zero from $517,200; $13,178 at the $370,800 median); it comes off the tax-capacity parts only, and the referendum rate applies to full market value. At the median this gives about $4,532 a year. Without the homestead box the exclusion is dropped. Homes in tax area 0102 (no watershed levy) pay 95.041%, and the northwest corner in ISD 191 pays 91.998% or 92.267% plus 0.20301%.
Electricity: Dakota Electric's Schedule 31 rate effective June 1, 2026: the $12.00 fixed charge and a year-round energy price of 14.09¢ per kWh (14.60¢ for three summer months and 13.20¢ for nine, averaged, plus the $0.0054 Resource and Tax Adjustment). The RTA changes during the year and sales tax is not included. Apple Valley's 3% franchise fee (capped at $25 a month on electricity) is added on electricity and gas. Xcel Energy's list of Minnesota communities served also names Apple Valley for electricity, so some homes may be on Xcel's rates instead; the City's utility directory lists Dakota Electric.
Gas: CenterPoint Energy's $9.50 basic charge; per therm, delivery plus the tariff's base cost of gas, revenue decoupling and Natural Gas Innovation Act charges. The real cost of gas moves monthly with the Purchased Gas Adjustment.
Typical use: 700 kWh a month (Dakota Electric's residential example in its 2026 rate notice) and about 62 therms a month (EIA 2024 Minnesota residential gas use per customer). Insurance: the 2022 NAIC statewide average premium for Minnesota (HO-3), until you enter your own.
Nothing here is legal, tax or insurance advice.

Sources

How Apple Valley compares

A typical Apple Valley house against the 35 Minnesota cities we cover, using the same default numbers as the total above.

Per year	Apple Valley	Median	Where it falls
Property tax rate	1.49%	1.49%	higher than 18 of the other 33 Minnesota cities we cover
Water	$288	$339	lower than 25 of the other 34 Minnesota cities we cover
Sewer and utility-bill fees	$682	$621	higher than 21 of the other 34 Minnesota cities we cover
Electricity and gas	$2,228	$2,150	higher than 19 of the other 34 Minnesota cities we cover
Home insurance	$1,774	$1,774	in the middle of 34 other Minnesota cities we cover
Total	$9,504	$9,536	lower than 20 of the other 34 Minnesota cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Common questions about Apple Valley house costs

What is the property tax rate in Apple Valley?

About 1.49% of the value before exemptions a year (2026 taxes payable, Dakota County (Apple Valley tax area 0104: ISD 196, Vermillion River watershed)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Apple Valley?

About $6,266 a year on $500,000 of the value before exemptions with the 1.00% class rate on the first $500,000.

How much is the water bill in Apple Valley?

About $81 a month for water and sewer at typical use (7,000 gallons a month) on City of Apple Valley.

How much does trash pickup cost in Apple Valley?

Residents choose a licensed private trash hauler; the City does not collect trash

When is property tax due in Apple Valley?

Nov 1: Senior Citizen Property Tax Deferral applications due to defer next year's taxes Aug 15: Minnesota property tax refund (Form M1PR) due; you may still file up to one year late

Can seniors lower their property tax or bills in Apple Valley?

Yes. Seniors 65+: defer part of your property tax: The Senior Citizen Property Tax Deferral keeps taxes from exceeding 3% of net income; the state pays the rest as a low-interest loan that becomes a lien on the home.

Where can I get help paying utility bills in Apple Valley?

LIHEAP households: CenterPoint Gas Affordability Program: Residential customers who receive LIHEAP energy assistance and agree to a levelized payment plan and a payment schedule can get an affordability bill credit and arrearage forgiveness. The program is available to residential customers qualified for and receiving LIHEAP assistance.

How much does a house in Apple Valley cost to run each year?

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