Farmington, MN · Updated Oct 2026

What a Farmington 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 Farmington house

$10,286a year · $857 a month

Starts at $363,800 of value before exemptions. Typical use.

Property tax$4,896
1.661% of $363,800, less $500,000 1.00% class rate on the first $500,000 and less $13,808 homestead market value exclusion
Electricity and gas$2,198
700 kWh a month $1,328 · 61.79 therms $870
Water and sewer$1,046
7,000 gallons a month on City of Farmington: water $19, sewer $57, storm water fee (per single-family lot, reu) $9, street light fee (per reu) $3 a month
Trash$372
65 gallon trash cart + recycling, $31 a month
Home insurance$1,774
Typical premium $1,774

A typical Farmington house pays about $10,300 a year: $4,900 property tax and charges, $1,050 water and sewer, $370 trash, $2,200 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 35 gallon trash cart + recycling cartUp to $70 a year
Your cart costs $31 a month; the smallest costs $25. Worth it if you rarely fill it.
How: Contact DSI at 952-469-2239 to set up service or report service issues; City staff cannot help with hauler-related issues.
File for homestead
Homestead reduces property taxes for owners who occupy the home as their primary residence. The homestead market value exclusion is 40% of market 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 online with Dakota County by Dec. 31; it affects the next year's taxes.
Claim the Minnesota property tax refund
Homestead owners with household income under $142,490 may get a refund based on their property tax; a special refund applies when net property tax rises at least 12% and $100.
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
The Senior Citizen Property Tax Deferral keeps taxes from exceeding 3% of net income; the state pays the rest as a low-interest loan that becomes a lien on the home.
How: You must be 65 (if married, one spouse 65 or older and the other at least 62), have household income of $96,000 or less, and have lived in, owned and homesteaded the home for the last five years; apply by Nov. 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 can get a $150,000 market value exclusion; a 100% permanent and total disability rating qualifies for $300,000.
How: Apply with Dakota County by Dec. 31; it affects the next year's taxes.
LIHEAP households: Minnesota Energy Resources Gas Affordability Program
Residential customers who qualify for and receive LIHEAP energy assistance can get an affordability bill credit and arrearage forgiveness on their Minnesota Energy Resources gas bill.
How: The program is available to Minnesota Energy Resources residential customers who have been qualified and receive LIHEAP assistance.
Pay property tax by bank transfer, not card
Dakota County charges a 2.29% convenience fee for paying online by credit or debit card, but $0.35 for an electronic transfer from a bank account.
How: Pay online from your checking or savings account, or enroll in the free automatic payment program.
Drop off food scraps for free
Dropping off food scraps at a Dakota County food scraps drop-off site is free, and compostable bags are provided at the drop sites; Farmington's drop site is at the Farmington Maintenance Facility, 19650 Municipal Drive.
How: Sign up for the food scraps drop-off program on Dakota County's webpage or call 952-891-7557.

Adjust to match your bills

What you knowTrash cart2026 quarterly trash rate plus weekly recycling ($24.47 a quarter) under the City's amended contract with DSI, shown per month. Yard waste carts are extra.

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 1.00% class rate on the first $500,000 and Homestead market value exclusion

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 Dakota Electric Association bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 1in 9 daysSenior Citizen Property Tax Deferral applications due to defer next year's taxes
Dec 31in 69 daysHomestead and Disabled Veterans applications due with Dakota County; both affect the next year's taxes
May 15First half of Dakota County real estate taxes due; paying first-half homestead taxes on June 1 adds a 4% penalty
Aug 15Minnesota property tax refund (Form M1PR) due; you may still file up to one year late

Who serves this house

Water: City of Farmington; City of Farmington, billed quarterly
Property tax: 1.66% of value; 2026 taxes payable, Dakota County (Farmington tax area 1402: School District 192, Vermillion River watershed)
Garbage: Dick's Sanitation (city-contracted hauler); City code requires every Farmington resident to use the city's contracted hauler, Dick's Sanitation (DSI), which bills for trash and recycling; recycling is picked up weekly
Sewer: City of Farmington; Billed quarterly: a $73.43 base fee that includes the first 10,000 gallons, then $9.55 per 1,000 gallons
Electricity: Dakota Electric or Xcel Energy; Dakota Electric and Xcel Energy provide electricity depending on where you live; the City's map shows which one serves your address
Gas: Minnesota Energy Resources; The City lists Minnesota Energy Resources as the natural gas provider
Schools: School District 192; Farmington tax areas 1401 and 1402 are in school district 192; tax area 1403 is in district 196

Pay or manage your bills

Your water

Source: Groundwater from seven wells 424 to 512 feet deep that draw from the Prairie Du Chien-Jordan and Jordan aquifers
Hardness: 283 mg/L, which the City's table classes as very hard (180 mg/L and over)
Radium: In 2025 a combined radium result and a gross alpha result were above the limit; compliance uses four quarterly samples, the report lists no violation (4.8 pCi/l radium against a 5 pCi/l limit, 12.1 pCi/l gross alpha against 15), and quarterly monitoring continues
Lead: For lead sampled 07/25/25 and 01/05/26, 90% of results were less than 2 ppb; as of 11/17/2025 the service line inventory listed 0 lead, 1 galvanized requiring replacement and 1,557 unknown material lines

Other MN cities

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How these numbers are made

Property tax: Dakota County's final 2026 payable rates for Farmington tax area 1402 (School District 192, Vermillion River watershed; every Farmington homestead in the county's parcel data is in district 192 and the Vermillion River watershed): 109.401% of tax capacity (county 21.027%, city 51.628%, schools 34.219%, special districts 2.527%) plus 0.29318% of market value for the school referendum levies. Tax area 1401 (no watershed levy) pays 109.142%, and tax area 1403 (district 196) pays 100.086% plus 0.28896%.
Minnesota taxes a home on tax capacity: 1.00% of taxable market value up to $500,000 and 1.25% above, so each tax-capacity rate is applied at 1.00% and one extra line adds 0.25% times 109.401% on value above $500,000. Owner-occupied homesteads also get the homestead market value exclusion, computed for the value you enter (40% of the first $95,000, reduced by 9% of value above $95,000, zero from $517,200; $13,808 at the $363,800 median); it comes off the tax-capacity parts only, and the referendum rate applies to full market value. At the median this gives about $4,896 a year ($5,433 at $400,000 and $10,257 at $700,000). Without the homestead box the exclusion is dropped.
Water: City of Farmington 2026 rates: the $18.25 quarterly base fee ($6.08 a month), then $1.88, $2.81 and $3.73 per 1,000 gallons; the tier limits (20,000 and 40,000 gallons) are per quarterly bill, so we use 6.67 and 13.33 thousand gallons a month. Storm water ($26.66 a quarter, $8.89 a month) and street lights ($7.57 a quarter, $2.52 a month) are added as utility fees for one single-family lot.
Sewer: the $73.43 quarterly residential base fee ($24.48 a month), which includes the first 10,000 gallons a quarter. Farmington charges $9.55 per 1,000 gallons above that, measured on the lower of actual or winter-quarter water use; the calculator counts the first 3.33 thousand gallons a month (10,000 a quarter) as covered by the base fee and charges $9.55 per 1,000 gallons on the water use you enter above that.
Garbage: Farmington requires one city-contracted hauler, Dick's Sanitation (DSI), which bills residents directly. We use the 2026 quarterly residential rates in Exhibit B of the Third Amendment to the DSI agreement (approved on the December 15, 2025 consent agenda, 5-0): weekly trash $51.12, $68.59 or $84.49 for a 35, 65 or 95 gallon cart plus weekly recycling $24.47, so $75.59, $93.06 or $108.96 a quarter, divided by three. The 2026 rates include the agreement's 3% increase and a pass-through of the City of Red Wing's higher tipping fee on trash. Seasonal yard waste service is extra.
Electricity: Dakota Electric's Schedule 31 rate effective June 1, 2026: the $12.00 fixed charge and a year-round energy price of 14.09¢ per kWh (14.60¢ for three summer months and 13.20¢ for nine, averaged, plus the $0.0054 Resource and Tax Adjustment). The RTA changes during the year and sales tax is not included. By our count of county homestead parcels against the City's electric provider map, Dakota Electric serves about 53% of Farmington's single-family homesteads and Xcel Energy about 47%; Xcel homes pay Xcel's rates instead. The City has proposed $6 a month residential electric and gas franchise fees, presented at the October 5, 2026 City Council meeting for consideration; they are not included because they were not in effect.
Gas: Minnesota Energy Resources' GS-NNG residential rate: the $9.50 customer charge; per therm, the $0.32919 distribution charge, the $0.65533 base cost of gas, the 2026 conservation adjustment ($0.00638), GUIC surcharge ($0.01620) and revenue decoupling adjustment ($0.01313), $1.02023 in all. The real cost of gas moves monthly with the Purchase Gas Adjustment (($0.20277) per therm from October 1, 2026, which would lower the per-therm price). Typical use: 700 kWh a month (Dakota Electric's residential example in its 2026 rate notice) and about 62 therms a month (EIA 2024 Minnesota residential gas use per customer). Insurance: the 2022 NAIC statewide average premium for Minnesota (HO-3), until you enter your own.
Nothing here is legal, tax or insurance advice.

Sources

How Farmington compares

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

Per year	Farmington	Median	Where it falls
Property tax rate	1.66%	1.49%	higher than 26 of the other 33 Minnesota cities we cover
Water	$226	$339	lower than 28 of the other 34 Minnesota cities we cover
Sewer and utility-bill fees	$820	$621	higher than 28 of the other 34 Minnesota cities we cover
Trash	$372	$326	higher than 6 of the other 8 Minnesota cities we cover
Electricity and gas	$2,198	$2,150	higher 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	$10,286	$9,536	higher than 25 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: Farmington's property tax rate is 1.66%, higher than 26 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 Farmington is 1.66%, higher than 26 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?"

2. Water

The fact: Water here costs about $226 a year at typical use, lower than 28 of the other 34 Minnesota cities we cover.

Ask: "Water here costs about $226 a year at typical use, lower than 28 of the other 34 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 $820 a year, higher than 28 of the other 34 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 $820 a year, higher than 28 of the other 34 Minnesota cities we cover. What drives that cost, and would you change anything?"

4. Trash

The fact: Trash pickup here costs about $372 a year for the standard cart, higher than 6 of the other 8 Minnesota cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $372 a year for the standard cart, higher than 6 of the other 8 Minnesota cities we cover. What drives that cost, and would you change anything about the service or the price?"

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Common questions about Farmington house costs

What is the property tax rate in Farmington?

About 1.66% of the value before exemptions a year (2026 taxes payable, Dakota County (Farmington tax area 1402: School District 192, Vermillion River watershed)), plus flat charges on the same bill.

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

About $6,919 a year on $500,000 of the value before exemptions with the 1.00% class rate on the first $500,000.

How much is the water bill in Farmington?

About $87 a month for water and sewer at typical use (7,000 gallons a month) on City of Farmington.

How much does trash pickup cost in Farmington?

$25 to $36 a month, depending on the trash cart size (35 gallon trash cart + recycling, 65 gallon trash cart + recycling, 95 gallon trash cart + recycling).

When is property tax due in Farmington?

Nov 1: Senior Citizen Property Tax Deferral applications due to defer next year's taxes 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 Farmington?

Yes. Seniors 65+: defer part of your property tax: The Senior Citizen Property Tax Deferral keeps taxes from exceeding 3% of net income; the state pays the rest as a low-interest loan that becomes a lien on the home.

Where can I get help paying utility bills in Farmington?

LIHEAP households: Minnesota Energy Resources Gas Affordability Program: Residential customers who qualify for and receive LIHEAP energy assistance can get an affordability bill credit and arrearage forgiveness on their Minnesota Energy Resources gas bill. The program is available to Minnesota Energy Resources residential customers who have been qualified and receive LIHEAP assistance.

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

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