What a Chaska 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 the typical market value, $419,300; your assessed value is often lower. Typical use.
- Property tax$4,151
1.264% of $419,300, less $8,813 homestead market value exclusion and less $500,000 the 1.25% class rate applies only to market value above $500,000
- Electricity and gas$2,047
647 kWh a month $1,114 · 61.79 therms $836 · right-of-way fee (Chaska Electric) and franchise fee (CenterPoint gas) $97
- Water and sewer$1,124
7,000 gallons a month on City of Chaska: water $34, sewer $59 a month
- TrashNot included
Garbage collection companies are listed on the city's Utility Contacts page
- Home insurance$1,774
Typical premium $1,774
A Chaska house at the typical market value ($419,300) pays about $9,100 a year: $4,150 property tax and charges, $1,120 water and sewer, $2,050 electricity and gas, $1,770 home insurance; trash is billed separately. 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:
Apply for homestead by December 31
Homestead is for the property you own and occupy as your primary home. 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 to your county assessor by December 31 to qualify for taxes payable the next year; Carver County uses Form CR-H, the Homestead Application.
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).
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% or greater service-connected disability can get a $150,000 market value exclusion; a 100% permanent and total disability rating qualifies for $300,000.
How: The property must have a homestead classification; you must own and occupy it on December 31.
Seniors 65+ with household income of $96,000 or less: defer property taxes
The Senior Citizens Property Tax Deferral caps the tax you pay at 3% of household income; the state pays the rest as a loan, repaid with interest when you sell the home or voluntarily cancel the deferral. You must have owned, lived in and homesteaded the home for the last 5 years, have no reverse mortgage, life estate, tax liens or judgment liens, and other liens must be under 75% of the estimated market value.
How: Apply by November 1 to defer your property taxes the following year.
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 on time: penalties run 2% to 14%
Carver County adds a penalty the day after the due date, and it increases on the first of each month; the later the payment, the greater the penalty.
How: Mail payments with an official U.S. postmark on or before the due date, or pay online from a checking (not savings) account.
Social Security or pension recipients: reduced electric service charge$6.90 instead of $12.90 monthly service charge
Chaska's senior residential electric rate has a $6.90 monthly service charge instead of $12.90, with the same energy rates.
How: Call Chaska Utility Billing at 952-448-9200 to sign up if you receive Social Security retirement, survivor or disability benefits, or a federal or state pension.
Money dates
- Nov 1in 9 daysApply for the senior citizens property tax deferral for next year
- Dec 31in 69 daysApply to the county assessor for homestead to qualify for taxes payable next year
- Apr 30, 2027Last day to file with the Minnesota Tax Court to appeal your 2026 valuation and classification (taxes payable in 2027)
- May 15First half of Carver County property tax due
Who serves this house
- Water
- City of Chaska
- 2026 residential water rates adopted by the City Council on December 15, 2025; billed with the city utility bill
- Property tax
- 1.26% of value
- Tax capacity rates for property in Chaska (Carver County) for 2025, in the City of Chaska 2025 annual financial report
- Garbage
- Garbage collection companies
- The city's Utility Contacts page lists garbage collection companies
- Sewer
- City of Chaska
- Sanitary sewer is billed on the city utility bill
- Electricity
- Chaska Electric (City of Chaska)
- The city bills electric service; Minnesota Valley Electric Cooperative and Xcel Energy are also listed on the city's Utility Contacts page
- Gas
- CenterPoint Energy
- CenterPoint Energy is listed as the natural gas company on the city's Utility Contacts page
Your water
- Source
- Groundwater from seven wells ranging from 333 to 817 feet deep
- Treatment
- The water treatment plant can treat 12.6 million gallons of water per day for iron and manganese
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How these numbers are made
- Water: City of Chaska 2026 residential rates: $8.80 monthly flat charge for a 5/8 to 3/4 inch meter plus the $1.26 monthly safe drinking water flat rate ($10.06), then $3.34 per 1,000 gallons to 2,000 gallons a month, $3.59 to 5,000, $3.91 to 8,000, $4.45 to 12,000, $5.13 to 40,000 and $6.70 above. No typical household use is published, so the page starts at 9 CCF a month.
- Sewer: $9.25 monthly residential charge plus $7.45 per 1,000 gallons of water used. Single-family bills have a monthly maximum based on the December through April average, which the calculator does not model, so with high summer use it can overstate sewer. Stormwater: the city's page gives a $13.29 rate for non-single-family parcels and a $1.00 minimum monthly charge but no single-family amount we could read, so no stormwater fee is included. Stormwater is excluded from every total on this page; the city page says the monthly service charge applies to all accounts (minimum $1.00), and Utility Billing at 952-448-9200 can give the single-family amount.
- Garbage: the city does not bill trash; residents choose a private hauler listed on the city's Utility Contacts page, so no trash cost is included.
- Property tax: the city's 2025 annual financial report lists a 101.119% combined tax capacity rate for Chaska (38.886 city, 0.430 EDA, 30.934 county, 1.480 county CDA, 27.552 School District 112, 1.838 special districts). Carver County's payable-2026 rates were unreadable; the city expects a higher 2026 rate. Voter-approved school market value levies and local improvement assessments are not included, so the figure is a floor. The calculator removes 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) and applies the 1.00% class rate (1.25% above $500,000). The starting value is the city's $419,300 median market value.
- Electricity: Chaska Electric's $12.90 monthly charge and a year-round energy rate of 12.35 cents, the 4-month June to September rate weighted with the 8-month October to May rate, plus the 5% right-of-way charge. Typical use of 647 kWh a month is the 2024 EIA residential average for City of Chaska (85,049 MWh over 10,954 customers). Minnesota Valley Electric Cooperative and Xcel Energy also serve parts of the Chaska area; we could not find how many homes each serves. The fuel adjustment charge on Chaska Electric bills (set by the wholesale power supplier, no current amount published on the rates page) is not included, so the electric total is understated.
- Gas: CenterPoint Energy's $9.50 basic charge; per therm, the delivery charge plus cost of gas, revenue decoupling and Natural Gas Innovation Act charges ($0.97366); the 5% franchise fee is applied through the same percentage as the electric right-of-way charge. Typical gas use of about 62 therms a month is the EIA 2024 Minnesota residential average. Insurance: the 2022 NAIC statewide average premium for Minnesota (HO-3). The Insurance Information Institute page's table is for 2022 and is the newest NAIC state figure on it; later private estimates for Minnesota are higher, so this figure is probably out of date and low.
- Nothing here is legal, tax or insurance advice.
- City of Chaska: Water Rates
- City of Chaska: Sewer Rates
- City of Chaska: Stormwater Rates
- City of Chaska: Electric Rates
- City of Chaska: Utility Billing
- City of Chaska: Utility Contacts
- City of Chaska: Senior discount FAQ
- City of Chaska: Truth in Taxation
- City of Chaska 2025 annual financial report
- City of Chaska 2026 budget report
- City of Chaska 2025 drinking water report
- EIA 2024 residential sales by utility
- CenterPoint Energy 2026 Minnesota tariff book
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How Chaska compares
A typical Chaska house against the 35 Minnesota cities we cover, using the same default numbers as the total above.
| Per year | Chaska | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.26% | 1.49% | lower than 31 of the other 33 Minnesota cities we cover |
| Water | $411 | $339 | higher than 24 of the other 34 Minnesota cities we cover |
| Sewer and utility-bill fees | $713 | $621 | higher than 24 of the other 34 Minnesota cities we cover |
| Electricity and gas | $2,047 | $2,150 | lower than 24 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 | $9,096 | $9,536 | lower than 24 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: Chaska's property tax rate is 1.26%, lower than 31 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 Chaska is 1.26%, lower than 31 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?"
Common questions about Chaska house costs
What is the property tax rate in Chaska?
About 1.26% of the value before exemptions a year (Tax capacity rates for property in Chaska (Carver County) for 2025, in the City of Chaska 2025 annual financial report), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Chaska?
About $5,040 a year on $500,000 of the value before exemptions with the homestead market value exclusion.
How much is the water bill in Chaska?
About $94 a month for water and sewer at typical use (7,000 gallons a month) on City of Chaska.
How much does trash pickup cost in Chaska?
Garbage collection companies are listed on the city's Utility Contacts page
When is property tax due in Chaska?
May 15: First half of Carver County property tax due Aug 15: Minnesota property tax refund (Form M1PR) due; you may still file up to one year late Oct 15: Second half of property tax due; you pay it with the statement mailed in March
Can seniors lower their property tax or bills in Chaska?
Yes. Seniors 65+ with household income of $96,000 or less: defer property taxes: The Senior Citizens Property Tax Deferral caps the tax you pay at 3% of household income; the state pays the rest as a loan, repaid with interest when you sell the home or voluntarily cancel the deferral. You must have owned, lived in and homesteaded the home for the last 5 years, have no reverse mortgage, life estate, tax liens or judgment liens, and other liens must be under 75% of the estimated market value.
Where can I get help paying utility bills in Chaska?
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 Chaska cost to run each year?
A Chaska house at the typical market value ($419,300) pays about $9,100 a year: $4,150 property tax and charges, $1,120 water and sewer, $2,050 electricity and gas, $1,770 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.