Hugo, MN · Updated Oct 2026

What a Hugo 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 Hugo house

$9,267a year · $772 a month

Starts at $382,700 of value before exemptions. Typical use.

Property tax$4,468
1.456% of $382,700, less $500,000 1.00% class rate on the first $500,000 and less $12,107 homestead market value exclusion
Electricity and gas$2,250
587.82 kWh a month $1,198 · 71 therms $1,052
Water and sewer$776
7,000 gallons a month on City of Hugo: water $26, sewer $38 a month
TrashNot included
Residents choose and pay a City-licensed hauler directly
Home insurance$1,774
Typical premium $1,774

A typical Hugo house costs about $9,300 a year: $4,470 property tax and charges, $780 water and sewer, $2,250 electricity and gas, $1,770 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 29, 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:

File for homestead
Homestead is a property classification for homes occupied by the owner or a qualifying relative as their primary residence; it can make you eligible for the homestead market value exclusion and the property tax refund (relative homesteads do not qualify for the refund).
How: Apply online with Washington County by December 31 for taxes payable the following year.
Claim the Minnesota property tax refund
Homeowners with 2025 total household income under $142,490 may qualify for the homestead credit refund; a special refund applies when net property tax rises at least 12 percent and at least $100.
How: File Form M1PR 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
Property Tax Deferral for Senior Citizens limits the tax you pay to 3% of total household income; the state pays the remainder 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), have household income of $96,000 or less and have owned, lived in and homesteaded the home for 5 years; apply by November 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 on December 31 can get a $150,000 market value exclusion; a 100% permanent and total rating qualifies for $300,000.
How: Washington County's homestead programs page has an Apply link for Veterans with a Disability.
Pay property tax by eCheck, not card
Washington County charges a $0.75 fee to pay online by eCheck and 2.35% (minimum $1.49) by card.
How: Choose eCheck when paying online, or mail a check postmarked by the due date.

Money dates

Dec 31in 57 daysHomestead applications due to Washington County for taxes payable the following year
May 15First half of Washington County real property taxes due; monthly penalties begin if not paid by the due date
Aug 15Minnesota property tax refund (Form M1PR) due; you may still file up to one year late
Oct 15Second half of Washington County real property taxes due; second half penalties start after Oct. 15

Who serves this house

Water: City of Hugo; City of Hugo single-family residential water rates effective January 1, 2026; billed quarterly
Property tax: 1.46% of value; 2026 taxes payable, Washington County (Hugo tax area 3402: ISD 624 White Bear Lake, watershed code 38)
Garbage: City-licensed haulers; Residents can choose any one of the licensed refuse haulers in the City of Hugo
Sewer: City of Hugo; Residential sewer is billed per quarter by SAC unit, with volume above 9,000 gallons a quarter based on winter quarter water use
Electricity: Xcel Energy (also Connexus Energy); Xcel Energy lists Hugo as served with electricity and gas; the city also lists Connexus Energy for electric
Gas: Xcel Energy; Xcel Energy lists Hugo in its gas service area
Taxes: Washington County tax rate table; The county's rate table lists Hugo's first tax area as 3402, with code 0624 and watershed code 38

Pay or manage your bills

Your water

Source: Groundwater from five wells ranging from 261 to 355 feet deep, drawing from the Prairie Du Chien-Jordan and Jordan aquifers (2025 report)
Lead: As of 11/17/2025 the service line inventory lists 2 lead lines and 6 galvanized lines requiring replacement

Other MN cities

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How these numbers are made

Property tax uses Washington County's final certified Pay 2026 rates for Hugo tax area 3402 (ISD 624 White Bear Lake, watershed code 38). Hugo also has areas in ISD 831 (3404) and ISD 832 (3405) with lower school rates (total 91.56% and 93.25% vs 102.55%), so owners there pay less; the page uses the first-listed ISD 624 area.
The starting value is the county's median estimated market value for Hugo residential homesteads, before the homestead market value exclusion; the page figures tax capacity from it and applies the market value referenda rates to market value.
Water and sewer are billed quarterly and are shown as monthly: the $44.50 quarterly water base is spread over 3 months, tier breakpoints (11,000, 20,000 and 29,000 gallons a quarter) are divided by 3, the $88.50 quarterly sewer charge per SAC unit is spread over 3 months and the first 9,000 gallons a quarter (3,000 a month) carry no sewer volume charge.
The city bases sewer volume on winter-quarter water use, which this page approximates with current use. The 2026 rate sheet lists no stormwater or other flat utility charge for homes, so none is added.
Trash is not in the totals: Hugo residents hire a licensed hauler directly and the city publishes no hauler prices. Electricity and gas use Xcel Energy's averages as in neighboring Washington County cities; part of Hugo is served by Connexus Energy for electric instead. Insurance is the Minnesota statewide average.
Amounts are before any city electric and gas franchise fees (not quantified in sources found).
Xcel's electric tariff energy charges (present 13.069¢ summer and 11.364¢ winter, plus a $6.00 basic service charge, per Xcel's rate notice) exclude fuel and rate riders; Xcel's 14.803¢/12.977¢ are proposed, not interim, rates (interim 2025 were 14.130¢/12.351¢). The page therefore keeps the EIA all-in average, which includes fuel and riders, as the default.
The 9 ccf default water use is a modelling assumption, not a Hugo-stated typical, and the page applies it to all four quarters although the city sets sewer volume from winter-quarter use. The $88.50 per SAC unit quarterly sewer charge is confirmed on the city's 2026 rate sheet.
Insurance uses the newest NAIC average the Insurance Information Institute publishes (2022); no free official 2023-or-later Minnesota figure was found, so it may understate current premiums.
Nothing here is legal, tax or insurance advice.

Sources

How Hugo compares

A typical Hugo house against the 72 Minnesota cities we cover, using the same default numbers as the total above.

Per year	Hugo	Median	Where it falls
Property tax rate	1.46%	1.49%	lower than 40 of the other 68 Minnesota cities we cover
Water	$314	$390	lower than 52 of the other 71 Minnesota cities we cover
Sewer and utility-bill fees	$461	$661	lower than 66 of the other 71 Minnesota cities we cover
Electricity and gas	$2,250	$2,120	higher than 47 of the other 71 Minnesota cities we cover
Home insurance	$1,774	$1,774	in the middle of 70 other Minnesota cities we cover
Total	$9,267	$9,629	lower than 44 of the other 71 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $461 a year, lower than 66 of the other 71 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 $461 a year, lower than 66 of the other 71 Minnesota cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Hugo house costs

What is the property tax rate in Hugo?

About 1.46% of the value before exemptions a year (2026 taxes payable, Washington County (Hugo tax area 3402: ISD 624 White Bear Lake, watershed code 38)), plus flat charges on the same bill.

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

About $5,983 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 Hugo?

About $65 a month for water and sewer at typical use (7,000 gallons a month) on City of Hugo.

How much does trash pickup cost in Hugo?

Residents choose and pay a City-licensed hauler directly

When is property tax due in Hugo?

May 15: First half of Washington County real property taxes due; monthly penalties begin if not paid by the due date Aug 15: Minnesota property tax refund (Form M1PR) due; you may still file up to one year late Oct 15: Second half of Washington County real property taxes due; second half penalties start after Oct. 15

Can seniors lower their property tax or bills in Hugo?

Yes. Seniors 65+: defer part of your property tax: Property Tax Deferral for Senior Citizens limits the tax you pay to 3% of total household income; the state pays the remainder as a loan, repaid with interest when you sell or cancel.

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

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