What a Blaine 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.
Starts at $363,000 of value before exemptions. Typical use.
- Property tax$3,828
1.315% of $363,000, less $13,880 homestead market value exclusion and less $500,000 1.00% class rate on the first $500,000 of market value of class 1a homestead property
- Flat charges on the tax bill$24
Anoka County solid waste management charge (per home) $24
- Electricity$1,131
587.82 kWh a month $1,131
- Water and sewer$911
7,000 gallons a month on City of Blaine: water $34, sewer $35, stormwater (flat charge per dwelling unit) $7 a month
- Trash$282
68 gallon, $24 a month
- Home insurance$1,774
Typical premium $1,774
A typical Blaine house pays about $7,900 a year: $3,850 property tax and charges, $910 water and sewer, $280 trash, $1,130 electricity, $1,770 home insurance. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 22, 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:
Switch to the 38 gallon cartUp to $34 a year
Your cart costs $24 a month; the smallest costs $21. Worth it if you rarely fill it.
How: Call your garbage hauler.
File for homestead
Property taxes are lower on owner-occupied homes, and the homestead market value exclusion lowers the taxable value of homes valued under $517,200.
How: Apply with Anoka County: if you buy and move in by December 1 and apply by December 31, the next year's tax reflects homestead.
Claim the Minnesota property tax refundSpecial refund up to $1,000
The regular refund is for property owners who meet certain guidelines; the special refund, regardless of income, pays back 60% of a tax increase beyond 12% and $100 from the prior year, up to $1,000.
How: File with the Minnesota Department of Revenue by August 15; you may file up to one year late.
Seniors 65+: defer part of your property tax
With the Senior Citizens Property Tax Deferral, the tax you pay is 3% of household income and the state pays the rest as a loan, repaid with interest when you sell or cancel.
How: You must be 65 or older (if married, the other spouse at least 62) with household income of $96,000 or less; apply by November 1.
Veterans with a 70%+ disability rating: market value exclusion$150,000 or $300,000 off market value
Qualifying veterans with a 70% or higher disability rating get a $150,000 market value exclusion; totally and permanently disabled veterans get $300,000.
How: Apply with Anoka County by December 15; veterans rated 70% or higher reapply every year.
Reduced/Senior garbage rate$41.10 a quarter
Blaine lists a Reduced/Senior garbage and recycling rate of $41.10 a quarter, against $70.50 for the 68 gallon service.
How: The City points to its Senior Discount Application for more information on the Senior/Reduced rates.
Premium 96 gallon service includes bulk items
The 96 gallon (premium service) size allows the collection of 6 bulk items per calendar year; after that a fee is charged per additional bulk item.
How: Choose the 96 gallon service level with the City.
Pay property tax by check to skip the fee
Anoka County's online payments carry a 2.6% fee for cards and a $3.50 fee for eCheck; check by mail, cash or check in person, and the Direct Payment Program have no service fee.
How: Mail a check or enroll in the Direct Payment Program (call 763-323-5400).
Money dates
- Nov 1in 9 daysApply for the Senior Citizens Property Tax Deferral to defer next year's taxes
- Dec 15in 53 daysApply for the disabled veterans' market value exclusion with Anoka County
- Dec 31in 69 daysApply for homestead (own and occupy by December 1) for next year's tax
- May 15First half of real property taxes due
Who serves this house
- Water
- City of Blaine
- Residential customers are billed quarterly for water: a flat service fee plus usage, and a state water test fee
- Property tax
- 1.32% of value
- 2026 taxes payable, Anoka County (Blaine tax district 2: Anoka-Hennepin schools ISD 11, Coon Creek Watershed)
- Garbage
- Walters Recycling and Refuse (City contract)
- The City has contracted collection service for all residential properties with Walters Recycling and Refuse, and bills residents for refuse and recycling
- Sewer
- City of Blaine
- Residential customers are billed quarterly for sewer as a flat charge based on dwelling units
- Electricity and gas
- Connexus Energy (most of Blaine) and Xcel Energy (small portion); gas: CenterPoint Energy and Xcel Energy
- Most of Blaine is served by Connexus Energy, with a small portion served by Xcel Energy; natural gas is handled by Center Point Energy and Xcel Energy
Your water
- Hardness
- As of 2023, the water hardness level ranged between 18 to 21 grains
- Typical use
- Each household in Blaine uses 88,400 gallons per year
- Treatment
- The treatment process includes using natural materials to strip out the iron and manganese, and adds polyphosphates and chlorine
Other MN cities
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How these numbers are made
- Property tax: Anoka County's Pay 2026 final rates for Blaine tax district 2 (Anoka-Hennepin ISD 11 and Coon Creek Watershed, the largest group: 11,003 of 20,048 homestead parcels): 90.485642% of tax capacity (county with radio 31.852106%, city 40.379006%, ISD 11 13.028645%, Metropolitan Council, Metro Transit district and mosquito control 1.920663%, Coon Creek Watershed 2.396941%, county HRA/EDA 0.908281%) plus 0.184413% of market value for ISD 11 referendums. Tax capacity is 1.00% of taxable market value up to $500,000 and 1.25% above, so each rate is applied at 1.00% and one extra line adds 0.25% x 90.485642% on value above $500,000; the homestead market value exclusion comes off the tax-capacity parts only. Other Blaine homes pay different rates: 5,104 homestead parcels are in Spring Lake Park ISD 16 (district 11-13 rates total 104.266480%), 1,947 in Centennial ISD 12 with Rice Creek Watershed, and Rice Creek Watershed homes pay 89.586067% (ISD 11, district 5) to 102.207511% (ISD 12).
- Typical value: $363,000 is the median 2025 estimated market value of 20,048 Blaine homestead residential single-unit parcels; assessed and market value are the same in Minnesota. A flat $24.02 Anoka County solid waste management charge on 15,790 of the 20,048 homestead parcels' tax bills is added as a flat yearly charge; some homes also carry other special assessments.
- Water, sewer, stormwater, garbage: the City of Blaine's posted rates (checked 2026-10-22; the page gives no effective date) are billed quarterly, so every quarterly amount is divided by 3. Water: $13.07 flat fee plus the $3.81 state water test fee a quarter, then $3.82 per 1,000 gallons up to 24,000 gallons a quarter (8,000 a month), $5.03 to 75,000 (25,000), $6.01 to 150,000 (50,000) and $7.23 above. Sewer is a flat $106.46 a quarter and stormwater a flat $19.96 a quarter per dwelling unit. Garbage: City-billed 96, 68 and 38 gallon service levels at $82.17, $70.50 and $62.01 a quarter, including recycling and tax; the page starts at the 68 gallon cart. The page starts water at 9.85 CCF a month, the City's published average of 88,400 gallons per household per year.
- Electricity: the City of Blaine says most of Blaine is served by Connexus Energy and a small portion by Xcel Energy. The page prices electricity at Connexus's residential rate effective 1-1-2026: $16.50 a month basic service plus $0.1390/kWh June-September and $0.1290/kWh October-May, averaged over 12 months to 13.233 cents; Connexus's separate monthly Power Cost Adjustment (a small per-kWh amount that changes monthly) and any community surcharge are not included. Typical use of 587.82 kWh a month is Xcel Minnesota's 2024 residential average (EIA), used as a stand-in, not a Connexus figure. No Blaine franchise fee was sourced. Gas: the City lists CenterPoint Energy and Xcel Energy for natural gas without a split; no gas rate was found, so heating gas is NOT in the typical total; add your gas bill.
- Insurance: 2022 NAIC Minnesota average (HO-3) until you enter your own. Sales tax is not included. Water hardness, treatment and typical use come from City of Blaine pages; the latest drinking water report was not read.
- Nothing here is legal, tax or insurance advice.
- Anoka County: Pay 2026 combined tax rates by unique taxing area (PDF)
- Minnesota Department of Revenue: Module 3, Classification of Property
- Minnesota Department of Revenue: Homestead Market Value Exclusion
- Anoka County: Property Records & Taxation FAQs
- Anoka County parcel data: Andover homestead parcels by school district and watershed
- https://www.anokacountymn.gov/DocumentCenter/View/39904/10-Tax-Rates-Schools
- https://www.anokacountymn.gov/DocumentCenter/View/39902/9b-Values-Schools-and-Special-Districts
- Metro Regional Parcel Dataset metadata (field definitions)
- Anoka County: Solid waste management charge, residential
- Anoka County parcel data: Blaine homestead parcels by 2026 special assessment
- Minnesota Department of Revenue: Filing for a Property Tax Refund
- Minnesota Department of Revenue: Senior Citizens Property Tax Deferral
- Anoka County: Property tax payment options
- Minnesota Department of Revenue: Property tax calendar
- Anoka County parcel data (state compilation): Blaine 2025 median value of homestead residential single-unit parcels
- Anoka County parcel data: Blaine homestead parcels by school district and watershed
- City of Blaine: Garbage & Recycling
- City of Blaine: Utility Billing
- City of Blaine: Utility Rates
- City of Blaine: water hardness FAQ
- City of Blaine: Water Use & Conservation
- City of Blaine: Water Treatment Facilities
- Insurance Information Institute: Facts + Statistics, Homeowners and renters insurance (NAIC data)
- City of Blaine: 2026 Fee Schedule
- City of Blaine: Service Levels & Rates
- City of Blaine: Other Utility Providers (electric and natural gas)
- Connexus Energy: Residential rate schedule, effective 1-1-2026
- EIA: 2024 utility bundled retail sales, residential (Table 6)
How Blaine compares
A typical Blaine house against the 35 Minnesota cities we cover, using the same default numbers as the total above.
| Per year | Blaine | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.32% | 1.49% | lower than 29 of the other 33 Minnesota cities we cover |
| Water | $405 | $339 | higher than 22 of the other 34 Minnesota cities we cover |
| Sewer and utility-bill fees | $506 | $621 | lower than 28 of the other 34 Minnesota cities we cover |
| Trash | $282 | $326 | lower than 5 of the other 8 Minnesota cities we cover |
| Electricity and gas | $1,131 | $2,150 | lower than 33 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 | $7,951 | $9,536 | lower than 32 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.
Questions to ask your candidates
Each one starts from a number above. Any candidate can answer them.
1. Property tax rate
The fact: Blaine's property tax rate is 1.32%, lower than 29 of the other 33 Minnesota cities we cover. The rate adds up every agency on the bill, not only the city.
Ask: "Property tax in Blaine is 1.32%, lower than 29 of the other 33 Minnesota cities we cover. What should that money pay for first, and would you change anything about how it is set?"
2. Sewer and utility-bill fees
The fact: Sewer and flat utility-bill charges here come to about $506 a year, lower than 28 of the other 34 Minnesota cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.
Ask: "Sewer and flat utility-bill charges here cost about $506 a year, lower than 28 of the other 34 Minnesota cities we cover. What drives that cost, and would you change anything?"
3. Trash
The fact: Trash pickup here costs about $282 a year for the standard cart, lower than 5 of the other 8 Minnesota cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.
Ask: "Trash pickup here costs about $282 a year for the standard cart, lower than 5 of the other 8 Minnesota cities we cover. What drives that cost, and would you change anything about the service or the price?"
4. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,131 a year, lower than 33 of the other 34 Minnesota cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $1,131 a year for a typical house, lower than 33 of the other 34 Minnesota cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Blaine house costs
What is the property tax rate in Blaine?
About 1.32% of the value before exemptions a year (2026 taxes payable, Anoka County (Blaine tax district 2: Anoka-Hennepin schools ISD 11, Coon Creek Watershed)), plus flat charges on the same bill (Anoka County solid waste management charge (per home) $24).
How much is property tax on a $500,000 house in Blaine?
About $5,456 a year on $500,000 of the value before exemptions with the homestead market value exclusion, including $24 of flat charges.
How much is the water bill in Blaine?
About $76 a month for water and sewer at typical use (7,000 gallons a month) on City of Blaine.
How much does trash pickup cost in Blaine?
$21 to $27 a month, depending on the trash cart size (96 gallon (premium service), 68 gallon, 38 gallon).
When is property tax due in Blaine?
May 15: First half of real property taxes due Aug 15: Minnesota property tax refund due; you may still file up to one year late Oct 15: Second half of real property taxes due
Can seniors lower their property tax or bills in Blaine?
Yes. Seniors 65+: defer part of your property tax: With the Senior Citizens Property Tax Deferral, the tax you pay is 3% of household income and the state pays the rest as a loan, repaid with interest when you sell or cancel.
How much does a house in Blaine cost to run each year?
A typical Blaine house pays about $7,900 a year: $3,850 property tax and charges, $910 water and sewer, $280 trash, $1,130 electricity, $1,770 home insurance. Estimated from public rates, not anyone's actual bill.