What a Elk River 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, $369,168; your assessed value is often lower. Typical use.
- Property tax$4,794
1.604% of $369,168, less $13,325 homestead market value exclusion and less $500,000 for class 1a residential homestead property, the 1.25% class rate applies only to market value above $500,000
- Electricity and gas$2,216
712 kWh a month $1,332 · 61.79 therms $884
- Water and sewer$924
7,000 gallons a month on Elk River Municipal Utilities: water $25, sewer $42, city franchise fee (street maintenance and street lighting) $10 a month
- Trash$215
60-gallon cart, $18 a month
- Home insurance$1,774
Typical premium $1,774
A Elk River house at the typical market value ($369,168) pays about $9,900 a year: $4,790 property tax and charges, $920 water and sewer, $220 trash, $2,220 electricity and gas, $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 32-gallon cart, bi-weekly cartUp to $39 a year
Your cart costs $18 a month; the smallest costs $15. Worth it if you rarely fill it.
How: Call your garbage hauler.
Claim the Minnesota property tax refund
Minnesota homeowners may get a Property Tax Refund based on income and property taxes.
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.
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 credit and arrearage forgiveness.
How: The program is available to residential customers qualified for and receiving LIHEAP assistance.
Money dates
- Nov 1in 9 daysApply for the Senior Citizens Property Tax Deferral to defer next year's taxes
- May 15First half of Sherburne County real estate taxes due
- Aug 15Minnesota property tax refund due; you may still file up to one year late
- Oct 15Second half of real estate taxes due
Who serves this house
- Water
- Elk River Municipal Utilities
- ERMU 2026 residential water rates, per 1000 gallons
- Property tax
- 1.60% of value
- 2026 taxes payable, Sherburne County (Elk River City, ISD 728)
- Garbage
- Republic Services, billed by ERMU
- Elk River Municipal Utilities bills for garbage and recycling on the city's behalf; Republic Services serves the city's collection districts
- Sewer
- Elk River Municipal Utilities (ERMU)
- Sewer billed on average monthly winter usage (December - April billing cycles)
- Electricity
- Elk River Municipal Utilities (ERMU)
- ERMU's Residential Electric Service Rate is available within its established service territory
- Gas
- CenterPoint Energy
- CenterPoint lists Elk River among its Minnesota communities served
- Schools
- ISD 728
- The Sherburne County 2026 tax rate sheet lists school district 728 for Elk River City
Other MN cities
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How these numbers are made
- Tax: Sherburne County 2026 actual tax rates for Elk River City, school district 728: county 38.933, city 41.200, school 24.502, HRA 1.069, Ec Dev 0.979 and airport 0.245 (percent of net tax capacity), plus market value rates of 0.25477% (school) and 0.01312% (YMCA). Tax-capacity rates are converted to a share of market value at the 1.00% class rate, and the 1.25% class rate above $500,000 is added as a separate band. The starting value is the City's median home value (market, not assessed).
- Water: ERMU 2026 residential rates: $10.69 basic monthly charge, then $2.12 per 1000 gallons to 9,000 gallons a month, $3.79 to 15,000 and $4.37 above. The utility publishes no typical household use, so the page starts at 9 CCF.
- Sewer: $6.24 per 1000 gallons on average winter usage (December - April); the $14.35 monthly minimum is modeled as a base charge that covers the first 2.2997 units (14.35 / 6.24), then $6.24 per unit above that. The calculator charges it on the water use entered, not the winter average.
- Garbage: ERMU 2026 garbage cart price plus $4.70 Single-Sort Recycling; the 9.75% solid waste tax and other local taxes are not included. The tax adds roughly $1.75 to $2 a month on a 60-gallon cart if it applies to the whole bill.
- Electricity: ERMU residential rate, with the summer and winter rates weighted over 5 summer months (June - October) and 7 winter months (November - May); the Power Cost Adjustment is not included because ERMU's schedule gives no amount. The monthly fee line is the city franchise fee of $9 plus the $1 increase for 2026. Gas is CenterPoint's standard residential rate with the $4.00 franchise fee. The PCA can raise or lower the bill; no residential amount is published, so it is left out.
- Not every Elk River home is on ERMU water and sewer; homes on private wells or septic should subtract those lines. Special-district and parcel charges on individual tax bills were not found and are not included.
- Insurance: the figure is the 2022 statewide average, the newest the source gives for Minnesota; premiums have likely risen since, so the total may be understated.
- Nothing here is legal, tax or insurance advice.
- www.ermumn.com garbage-recycling
- www.ermumn.com rates-fee-schedule
- irp.cdn-website.com 2026+Schedule+of+Rates.pdf
- www.elkrivermn.gov 1318
- www.ermumn.com rates-fee-schedule
- www.eia.gov table_5a.pdf
- www.econdev.elkrivermn.gov housing
- www.co.sherburne.mn.us Archive.aspx?ADID=895
- www.revenue.state.mn.us homestead
- www.revenue.state.mn.us module-3-classification-property_0.pdf
- assets.centerpointenergy.com 2026-mn-rates-rights-tariff-book.pdf?v=0
- www.eia.gov ng_cons_sum_dcu_SMN_a.htm
- www.eia.gov ng_cons_num_dcu_SMN_a.htm
- www.iii.org facts-statistics-homeowners-and-renters-
- www.revenue.state.mn.us property-tax-refund
- www.revenue.state.mn.us filing-property-tax-refund
- www.revenue.state.mn.us property-tax-deferral-senior-citizens
- www.co.sherburne.mn.us Due-Dates
Common questions about Elk River house costs
What is the property tax rate in Elk River?
About 1.60% of the value before exemptions a year (2026 taxes payable, Sherburne County (Elk River City, ISD 728)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Elk River?
About $6,669 a year on $500,000 of the value before exemptions with the homestead market value exclusion.
How much is the water bill in Elk River?
About $77 a month for water and sewer at typical use (7,000 gallons a month) on Elk River Municipal Utilities.
How much does trash pickup cost in Elk River?
$15 to $25 a month, depending on the trash cart size (32-gallon cart, bi-weekly, 32-gallon cart, 60-gallon cart, 90-gallon cart).
When is property tax due in Elk River?
Aug 15: Minnesota property tax refund due; you may still file up to one year late
Can seniors lower their property tax or bills in Elk River?
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 Elk River?
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 credit and arrearage forgiveness. The program is available to residential customers qualified for and receiving LIHEAP assistance.
How much does a house in Elk River cost to run each year?
A Elk River house at the typical market value ($369,168) pays about $9,900 a year: $4,790 property tax and charges, $920 water and sewer, $220 trash, $2,220 electricity and gas, $1,770 home insurance. Estimated from public rates, not anyone's actual bill.