Champlin, MN · Updated Oct 2026

What a Champlin 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 Champlin house

$9,376a year · $781 a month

Starts at $351,000 of value before exemptions. Typical use.

Property tax$4,148
1.487% of $351,000, less $14,960 homestead market value exclusion and less $500,000 the 1.25% class rate applies only to market value above $500,000
Electricity and gas$2,124
587.82 kWh a month $1,241 · 61.79 therms $884
Water and sewer$997
7,000 gallons a month on City of Champlin: water $25, sewer $43, storm water (low density residential) $11, street lights (single-family) $4 a month
Trash$333
Medium cart (65 gallons), $28 a month
Home insurance$1,774
Typical premium $1,774

A typical Champlin house pays about $9,400 a year: $4,150 property tax and charges, $1,000 water and sewer, $330 trash, $2,120 electricity and gas, $1,770 home insurance. 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:

Switch to the small cart (35 gallons) cartUp to $57 a year
Your cart costs $28 a month; the smallest costs $23. Worth it if you rarely fill it.
How: Request a change of container size on the City's website, email utility billing or call (763) 923-7135; one size exchange is allowed per year and additional exchanges are $20.
Apply for homestead by December 31
Homestead status can save you money on your property taxes. The homestead market value exclusion is 40% of 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 with Hennepin County: you must own, occupy and apply by December 31.
Claim the Minnesota property tax refund
Minnesota homeowners may get a Property Tax Refund based on income and property taxes.
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
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 disability: $150,000 or $300,000 market value exclusion$150,000 or $300,000 market value exclusion
Honorably discharged veterans with a 70–99% service-connected disability can get a $150,000 market value exclusion; a veteran with a 100% and permanent service-connected disability can get $300,000.
How: Your property must be classified as homestead; apply with Hennepin County by December 31.
Low-income discount on garbage and recycling
Discount rates for eligible residents are available for Champlin's garbage and recycling charges.
How: Call the Utility Billing Department at 763-923-7135 for the eligibility requirements.
Free yard waste drop-off at the Maple Grove site
Disposal at the Maple Grove Yard Waste site, 10300 Maple Grove Pkwy, is free for Champlin residents with proper identification, April through November, weather permitting.
How: Bring proper identification; the site entrance is on Maple Grove Parkway, opposite 105th Avenue North.
Card payments on the utility bill carry fees
Paying the Champlin utility bill online or by phone with a credit or debit card adds a $1.25 convenience fee plus a 3% processing fee (from January 12, 2026).
How: The City also offers an Autopay Program; the application is on the City's utility billing page.
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.
Paid property tax late? Ask for a penalty abatement
Hennepin County lets owners request an abatement of the late-payment penalty once every ten years, for current-year taxes.
How: Pay the tax in full, then apply by June 30 (first half) or November 30 (second half).

Adjust to match your bills

What you knowTrash cartEach price is the refuse cart plus the $6.58 recycling charge and the $3.85 organics charge that every household pays. Curbside yard waste is extra, billed by your hauler ($94.26 for the 2026 season).

Value before exemptionsUse the estimated market value on your 2025 valuation notice (the one your 2026 tax bill is based on).

I live here and have the Homestead market value exclusion and The 1.25% class rate applies only to market value above $500,000

Home insurance, a yearFrom your policy. We start at $1,774, NAIC average HO-3 homeowners premium for Minnesota, 2022, as published by the Insurance Information Institute.

Your use

Water, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

Electricity, kWh a month

On your Xcel Energy bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 1in 9 daysApply for the Senior Citizens Property Tax Deferral to defer next year's taxes
Nov 30in 38 daysPenalty abatement application due for late second-half property taxes (current-year taxes only)
Dec 31in 69 daysOwn, occupy and apply for homestead with Hennepin County
May 15First half of Hennepin County property tax due

Who serves this house

Water: City of Champlin; City of Champlin 2026 residential water rates, billed monthly
Property tax: 1.49% of value; 2026 taxes payable, Hennepin County (Champlin, Anoka-Hennepin schools ISD 11, West Mississippi watershed)
Garbage: Champlin Refuse Inc. (City contract); The City contracts with Champlin Refuse Inc., a consortium of two companies each assigned a territory, and processes the billing for refuse, recycling and organics recycling
Sewer: City of Champlin; Residential sewer usage is billed on December–February water use
Electricity: Xcel Energy, Anoka Electric or Connexus Energy; The City lists Xcel Energy, City of Anoka Electric and Connexus Energy among its utility providers
Gas: CenterPoint Energy; Champlin is on CenterPoint Energy's list of Minnesota communities it serves
Schools: Anoka-Hennepin School District (ISD 11); Hennepin County's 2026 assessment counts 6,882 Champlin single-family residential parcels in the Anoka-Hennepin school district

Pay or manage your bills

Your water

Source: Groundwater from six wells, 291 to 700 feet deep, in the Mt. Simon, Tunnel City-Mt. Simon and Tunnel City-Wonewoc aquifers
Lead: At customer taps, 90% of lead results were below 1 ppb and 0 of 30 homes had high levels; as of 10/20/2025 the inventory lists 0 lead, 0 galvanized requiring replacement, 0 unknown and 8,094 non-lead service lines
Radium: Combined radium in 2025: highest 4.7 pCi/l (limit 5 pCi/l), range 1.0–4.7, no violation

Other MN cities

How these numbers are made

Water: City of Champlin 2026 residential rates (effective January 1, 2026, billed monthly): the $8.67 monthly administrative charge plus the $1.27 monthly state water test fee ($9.94), then $2.29 per 1,000 gallons up to 9,000 gallons, $2.90 to 34,000 gallons and $3.67 above. The City publishes no typical household use, so the page starts at 9 CCF (about 6,700 gallons) a month.
Sewer and other city fees: $9.45 a month plus $6.92 per 1,000 gallons. Champlin bills the usage charge on December–February water use, not on the month's use, so the calculator charges it on the lower of the use you enter and 4,800 gallons a month: the City's sanitary sewer plan (2040 Comprehensive Plan, Section 8) projects wastewater flows at 160 gallons per day per Residential Equivalent Connection, 160 x 30 = 4,800 gallons a month. That planning flow stands in for a typical home's winter water use, which the City does not publish; enter your own December–February average to see your sewer charge (at the 9 CCF default, sewer is $9.45 + 4.8 x $6.92 = $42.67). The storm water fee ($10.99 a month for a low density residential lot; $8.45 for medium density) and the $4.03 monthly single-family street light fee are added as utility fees.
Garbage: Champlin's organized collection (Champlin Refuse Inc.: ACE or Republic Services by territory) covers single-family homes and buildings up to four units. Each cart price is the 2026 refuse rate ($12.54, $17.29 or $22.03 a month for 35, 65 or 95 gallons) plus the $6.58 recycling charge and the $3.85 organics charge billed to every household under Hennepin County Ordinance 13. Seasonal curbside yard waste ($94.26 for the 2026 season, billed by the hauler) is not included.
Property tax: Hennepin County's final 2026 payable rates for Champlin tax area 50-011-9 (Anoka-Hennepin ISD 11, West Mississippi watershed), which holds about two-thirds of Champlin's real estate tax capacity: 104.185% of tax capacity (county 39.242%, city 43.014% and EDA 1.694%, ISD 11 13.028%, Metropolitan Council, transit and mosquito control 1.918%, Hennepin parks, Park Museum, railroad authority and county HRA 5.205%, watershed 0.084%) plus 0.18441% of market value for ISD 11 referendums. The homestead market value exclusion (40% of value up to $95,000, then $38,000 minus 9% of value above $95,000, zero from $517,200) comes off the tax-capacity parts; a further 0.25% x 104.185% is added on value above $500,000 (1.25% class rate). At the $351,000 median the tax is about $4,148. Homes in the Elm Creek watershed part of the city pay 104.331%.
Electricity: in the state's electric utility service area map, about 73% of Champlin's residential parcels (4,847 of 6,595) fall in Xcel Energy's area, 23% in Anoka Municipal Utility's and 4% in Connexus Energy's. Xcel figures: the $6.00 basic service charge plus the $3.58 monthly Champlin residential franchise fee in Xcel's tariff ($9.58), and per kWh the 2024 average Xcel Minnesota residential revenue (EIA) less the basic charges, 15.96 cents; that average covers the seasonal energy rates, fuel cost charge and riders but predates the interim rate increase in effect since January 2025. Homes served by Anoka Municipal Utility or Connexus Energy pay those utilities' rates instead (Connexus adds a $3.98 monthly Champlin residential surcharge).
Gas: CenterPoint Energy's $9.50 basic charge plus the $3.98 monthly Champlin residential franchise fee in CenterPoint's tariff ($13.48); per therm, the delivery charge plus the tariff's cost of gas, revenue decoupling and Natural Gas Innovation Act charges ($0.97366); the cost of gas moves monthly. Typical use: about 588 kWh a month (EIA 2024, Xcel Minnesota residential sales per customer) and about 62 therms a month (EIA 2024 Minnesota residential average). Insurance: the 2022 NAIC statewide average premium for Minnesota (HO-3), until you enter your own.
Sewer: because the usage charge follows December–February water use, the page caps the sewer usage at 4,800 gallons a month; enter your winter use as your water use to check it.
Nothing here is legal, tax or insurance advice.

Sources

How Champlin compares

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

Per year	Champlin	Median	Where it falls
Property tax rate	1.49%	1.49%	higher than 17 of the other 33 Minnesota cities we cover
Water	$304	$339	lower than 21 of the other 34 Minnesota cities we cover
Sewer and utility-bill fees	$692	$621	higher than 23 of the other 34 Minnesota cities we cover
Trash	$333	$326	higher than 5 of the other 8 Minnesota cities we cover
Electricity and gas	$2,124	$2,150	lower than 18 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	$9,376	$9,536	lower than 22 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 Champlin house costs

What is the property tax rate in Champlin?

About 1.49% of the value before exemptions a year (2026 taxes payable, Hennepin County (Champlin, Anoka-Hennepin schools ISD 11, West Mississippi watershed)), plus flat charges on the same bill.

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

About $6,115 a year on $500,000 of the value before exemptions with the homestead market value exclusion.

How much is the water bill in Champlin?

About $83 a month for water and sewer at typical use (7,000 gallons a month) on City of Champlin.

How much does trash pickup cost in Champlin?

$23 to $32 a month, depending on the trash cart size (Small cart (35 gallons), Medium cart (65 gallons), Large cart (95 gallons)).

When is property tax due in Champlin?

Nov 30: Penalty abatement application due for late second-half property taxes (current-year taxes only) May 15: First half of Hennepin County property tax due 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 Champlin?

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.

Where can I get help paying utility bills in Champlin?

Low-income discount on garbage and recycling: Discount rates for eligible residents are available for Champlin's garbage and recycling charges. Call the Utility Billing Department at 763-923-7135 for the eligibility requirements.

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

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