Cambridge, MN · Updated Oct 2026

What a Cambridge home costs each year

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

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Cambridge house

$9,717a year · $810 a month

Starts at the typical market value, $325,100; your assessed value is often lower. Typical use.

Property tax$4,392
1.351% of $325,100
Electricity and gas$2,260
772.2 kWh a month $1,424 · 61.79 therms $836
Water and sewer$1,291
7,000 gallons a month on Residential water (city 2026 fee schedule): water $43, sewer $60, street light utility fee (single family home) $5 a month
TrashNot included
Billed by a private hauler you choose, not by the city; not counted in the totals
Home insurance$1,774
Typical premium $1,774

A Cambridge house at the typical market value ($325,100) costs about $9,700 a year: $4,390 property tax and charges, $1,290 water and sewer, $2,260 electricity and gas, $1,770 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 29, 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
For homesteads valued at $95,000 or less, the exclusion is 40% of the market value, up to $38,000.
How: The exclusion is reduced by 9% of value above $95,000.
Claim the Minnesota property tax refund
The state's property tax refund can return part of your property tax if you qualify.
How: File Form M1PR 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
Property Tax Deferral for Senior Citizens limits the tax you pay to 3% of total household income; the state pays the remainder as a loan, repaid with interest when you sell or cancel.
How: You must be 65 or older (if married, one of you is 65 or older and the other is at least 62), have household income of $96,000 or less and have owned and lived in the home for the last 5 years, and the home must have been homesteaded for 5 years; apply by November 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 on December 31 can get a $150,000 market value exclusion; a 100% permanent and total rating qualifies for $300,000.
How: The program is administered by the counties.

Money dates

May 15First-half property tax payments due
Aug 15Minnesota property tax refund (Form M1PR) due; you may still file up to one year late
Oct 15Second-half property tax payments due
MonthlyPenalty on late utility bills: 5% with a $5 minimum

Who serves this house

Water: Residential water (city 2026 fee schedule); Water service is billed monthly.
Property tax: 1.35% of value; 2026 taxes payable (proposed levy), Isanti County (Cambridge, ISD 0911)
Garbage: LePage and Sons or Waste Management; The city lists these two companies for residential garbage
Electricity: Connexus Energy or East Central Energy; The city lists both as electric providers
Gas: CenterPoint Energy; The city lists CenterPoint Energy for natural gas
Schools: ISD 0911 Cambridge-Isanti; School district on the county's Cambridge sample tax statement

Pay or manage your bills

Other MN cities

Apple Valley home costs Cottage Grove home costs Edina home costs Farmington home costs Lakeville home costs Little Falls home costs Maple Grove home costs Plymouth home costs Shoreview home costs Vadnais Heights home costs Woodbury home costs Andover home costs Shakopee home costs Champlin home costs Eagan home costs Otsego home costs Fairmont home costs Rochester home costs Chanhassen home costs Maplewood home costs St. Michael home costs Inver Grove Heights home costs Forest Lake home costs Chaska home costs Burnsville home costs North Branch home costs Stillwater home costs Roseville home costs Buffalo home costs Victoria home costs Oakdale home costs Rosemount home costs Blaine home costs Hermantown home costs Columbia Heights home costs St. Cloud home costs Dayton home costs Elk River home costs New Brighton home costs Savage home costs Eden Prairie home costs Little Canada home costs North St. Paul home costs Mankato home costs Rogers home costs Anoka home costs East Bethel home costs Coon Rapids home costs Brooklyn Center home costs Crystal home costs Hutchinson home costs Richfield home costs Brooklyn Park home costs Moorhead home costs Faribault home costs New Hope home costs Waconia home costs Northfield home costs Fridley home costs Ramsey home costs Owatonna home costs Austin home costs Albert Lea home costs Hugo home costs North Mankato home costs Sauk Rapids home costs Worthington home costs Big Lake home costs Mendota Heights home costs Robbinsdale home costs Mounds View home costs

How these numbers are made

Water, sewer, stormwater and street light use the city's 2026 fee schedule (Ordinance 813/815). Sewer is priced at the first-tier $4.97 per 1,000 gallons; use above 6,000 gallons costs $5.60 and above 20,000 gallons $6.20. The city page also shows a $24.98 sewer base charge; the 2026 fee ordinance says $26.23 and is used. A state-set monthly FF charge also appears on the water line and is not included.
Property tax: each rate is a proposed-2026 tax line from the county's Truth-in-Taxation sample statement for a Cambridge homestead (estimated market value $325,100) divided by that value, so the homestead exclusion and tax capacity are already inside the rates and no separate exclusion is applied. The county's certified 2026 rates are not posted online; the final levy may differ from the proposal. Taxes scale roughly with value for other homes.
Electricity is Connexus Energy's 2026 residential rate with summer and winter weighted 4:8. The monthly Power Cost Adjustment (a few tenths of a cent, charge or credit) and any community surcharge are not included. East Central Energy serves other parts of Cambridge. Typical use is the EIA 2024 residential average for Connexus.
Gas is CenterPoint Energy's 2026 Minnesota residential rate with riders. Garbage is billed by private haulers and is not counted.
Stormwater is shown at the city's per-storm-unit rate; the city does not publish how many storm units a typical home has, so one unit is assumed.
The city's fee schedule lists a $6.87 monthly storm sewer rate per storm unit, but the city does not publish what a single-family home is charged in units (city documents returned 403 and the paid fetch was out of credit), so it is not counted.
Nothing here is legal, tax or insurance advice.

Sources

How Cambridge compares

A typical Cambridge house against the 72 Minnesota cities we cover, using the same default numbers as the total above.

Per year	Cambridge	Median	Where it falls
Property tax rate	1.35%	1.49%	lower than 52 of the other 68 Minnesota cities we cover
Water	$514	$390	higher than 54 of the other 71 Minnesota cities we cover
Sewer and utility-bill fees	$777	$661	higher than 51 of the other 71 Minnesota cities we cover
Electricity and gas	$2,260	$2,120	higher than 51 of the other 71 Minnesota cities we cover
Home insurance	$1,774	$1,774	in the middle of 70 other Minnesota cities we cover
Total	$9,717	$9,629	higher than 40 of the other 71 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: Cambridge's property tax rate is 1.35%, lower than 52 of the other 68 Minnesota cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Cambridge is 1.35%, lower than 52 of the other 68 Minnesota cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Water

The fact: Water here costs about $514 a year at typical use, higher than 54 of the other 71 Minnesota cities we cover.

Ask: "Water here costs about $514 a year at typical use, higher than 54 of the other 71 Minnesota cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Cambridge house costs

What is the property tax rate in Cambridge?

About 1.35% of the value before exemptions a year (2026 taxes payable (proposed levy), Isanti County (Cambridge, ISD 0911)), plus flat charges on the same bill.

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

About $6,755 a year on $500,000 of the value before exemptions.

How much is the water bill in Cambridge?

About $108 a month for water and sewer at typical use (7,000 gallons a month) on Residential water (city 2026 fee schedule).

How much does trash pickup cost in Cambridge?

Billed by a private hauler you choose, not by the city; not counted in the totals

When is property tax due in Cambridge?

May 15: First-half property tax payments due Aug 15: Minnesota property tax refund (Form M1PR) due; you may still file up to one year late Oct 15: Second-half property tax payments due

Can seniors lower their property tax or bills in Cambridge?

Yes. Seniors 65+: defer part of your property tax: Property Tax Deferral for Senior Citizens limits the tax you pay to 3% of total household income; the state pays the remainder as a loan, repaid with interest when you sell or cancel.

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

All Minnesota cities All cities