Crystal, MN · Updated Oct 2026

What a Crystal 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 Crystal house

$10,038a year · $837 a month

Starts at $292,100 of value before exemptions. Typical use.

Property tax$4,393
1.949% of $292,100, less $20,261 homestead market value exclusion and less $500,000 the 1.25% class rate applies to class 1a homestead market value above $500,000
Electricity and gas$2,034
587.82 kWh a month $1,198 · 61.79 therms $836
Water and sewer$1,838
7,000 gallons a month on City of Crystal: water $79, sewer $54, storm drainage (quarterly charge $23.15 ÷ 3) $8, recycling and organics (quarterly charge $30.30 ÷ 3) $10, street lights (the city's quarterly utility charges table lists $6.55; ÷ 3) $2 a month
TrashNot included
Fees and surcharges for yard waste, organics, extra garbage, large items or special items can vary by hauler
Home insurance$1,774
Typical premium $1,774

A typical Crystal house costs about $10,000 a year: $4,390 property tax and charges, $1,840 water and sewer, $2,030 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 status can save you money on your property taxes. For class 1a homesteads, 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).
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.
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).

Money dates

Nov 30in 37 daysPenalty abatement application due for late second-half property taxes (current-year taxes only)
Dec 31in 68 daysOwn, occupy and apply for homestead with Hennepin County
May 15First half of Hennepin County property tax due
Aug 15Minnesota property tax refund (Form M1PR) due; you may still file up to one year late

Who serves this house

Water: City of Crystal; City of Crystal, billed quarterly on the city utility bill; one unit is 1,000 gallons
Property tax: 1.95% of value; 2026 taxes payable, Hennepin County (Crystal, Robbinsdale schools ISD 281, Shingle Creek watershed)
Garbage: City-licensed residential haulers; The city lists six licensed residential garbage haulers
Sewer: City of Crystal; Billed quarterly on the city utility bill
Electricity: Xcel Energy; Crystal is on Xcel Energy's list of Minnesota communities it serves with electricity
Gas: CenterPoint Energy; Crystal is on CenterPoint Energy's list of Minnesota communities it serves
Schools: School district 281 (Robbinsdale Area Schools); Hennepin County's 2026 rate cards list Crystal tax areas with school district code 281

Pay or manage your bills

Your water

Source: Purchased water from Minneapolis, a surface water source (2025 report)
Lead: 90th-percentile lead result under 1 ppb, sampled 09/25/24 (Crystal 2025 Drinking Water Report)

Other MN cities

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How these numbers are made

Gas model: CenterPoint Energy's Residential Sales Service rate has a $9.50 monthly basic charge, a $0.33470 per therm delivery charge and a $0.60061 per therm cost of gas. Plus riders (decoupling $0.02839, IAC $0.00360, IAA $0.00636) summed into the per-therm rate.
Nothing here is legal, tax or insurance advice.

Sources

How Crystal compares

A typical Crystal house against the 58 Minnesota cities we cover, using the same default numbers as the total above.

Per year	Crystal	Median	Where it falls
Property tax rate	1.95%	1.50%	higher than 54 of the other 55 Minnesota cities we cover
Water	$945	$368	higher than 55 of the other 57 Minnesota cities we cover
Sewer and utility-bill fees	$893	$637	higher than 53 of the other 57 Minnesota cities we cover
Electricity and gas	$2,034	$2,109	lower than 37 of the other 57 Minnesota cities we cover
Home insurance	$1,774	$1,774	in the middle of 57 other Minnesota cities we cover
Total	$10,038	$9,677	higher than 39 of the other 57 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: Crystal's property tax rate is 1.95%, higher than 54 of the other 55 Minnesota cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Crystal is 1.95%, higher than 54 of the other 55 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 $945 a year at typical use, higher than 55 of the other 57 Minnesota cities we cover.

Ask: "Water here costs about $945 a year at typical use, higher than 55 of the other 57 Minnesota cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $893 a year, higher than 53 of the other 57 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 $893 a year, higher than 53 of the other 57 Minnesota cities we cover. What drives that cost, and would you change anything?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,034 a year, lower than 37 of the other 57 Minnesota cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,034 a year for a typical house, lower than 37 of the other 57 Minnesota cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Crystal house costs

What is the property tax rate in Crystal?

About 1.95% of the value before exemptions a year (2026 taxes payable, Hennepin County (Crystal, Robbinsdale schools ISD 281, Shingle Creek watershed)), plus flat charges on the same bill.

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

About $7,980 a year on $500,000 of the value before exemptions with the homestead market value exclusion.

How much is the water bill in Crystal?

About $153 a month for water and sewer at typical use (7,000 gallons a month) on City of Crystal.

How much does trash pickup cost in Crystal?

Fees and surcharges for yard waste, organics, extra garbage, large items or special items can vary by hauler

When is property tax due in Crystal?

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

Where can I get help paying utility bills in Crystal?

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 Crystal cost to run each year?

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