What a Hutchinson 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.
Starts at $275,000 of value before exemptions. Typical use.
- Property tax$3,675
1.764% of $275,000, less $21,800 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$1,669
682.6 kWh a month $947 · 61.79 therms $722
- Water and sewer$1,107
7,000 gallons a month on City of Hutchinson: water $32, sewer $54, storm water (single-family and duplex residential) $6 a month
- Trash$403
65 gallon, $34 a month
- Home insurance$1,774
Typical premium $1,774
A typical Hutchinson house costs about $8,600 a year: $3,670 property tax and charges, $1,110 water and sewer, $400 trash, $1,670 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 35 gallon cartUp to $123 a year
Your cart costs $34 a month; the smallest costs $23. Worth it if you rarely fill it.
How: For down sizing or billing information, call (320) 234-5672.
Seniors 65+ or on disability: reduced garbage rate
Persons 65 years of age or older or on disability as defined by the Social Security Administration are eligible to apply for reduced rates; the Senior Citizen Reduced Rate is $2.90 a month, with income qualifications.
How: Download the Application for Reduced Refuse Rates from the city's garbage page.
Free spring and fall bulky-item pickup
Residential refuse customers can put out 2 items per household at no charge; the fall date is Saturday, September 26, 2026.
How: No appointment needed; items curbside by 6:00 am.
Money dates
- Nov 1in 8 daysSeniors: last day to file for the property tax deferral for next year's tax
- Dec 31in 68 daysLast day to move into your home and file a homestead application with the assessor for the current year's assessment
- May 15First half of real property taxes due
- Aug 15Minnesota property tax refund due; you may file up to one year after the due date
Who serves this house
- Water
- City of Hutchinson
- 2026 Single Family Res: $9.00 water base, $1.00 water repair fee and $1.27 state testing fee a month, then per 1,000 gallons: $3.00 (0 – 6,000), $3.75 (6,000 – 12,000), $4.69 over 12,000
- Property tax
- 1.76% of value
- 2026 taxes payable, McLeod County (tax district 2301, City of Hutchinson, School District 423)
- Garbage
- West Central Sanitation
- West Central Sanitation is the new hauler, with containers delivered ahead of Oct. 1; the city bills garbage monthly in 35-, 65- and 95-gallon sizes
- Sewer
- City of Hutchinson
- Billed monthly on the city utility bill
- Electricity
- Hutchinson Utilities Commission
- Municipal electric utility; 2024 residential sales to 6,653 customers
- Gas
- Hutchinson Utilities Commission
- Natural gas Residential Code 60
Your water
- Source
- Groundwater: five wells, 400 to 475 feet deep, in the Quaternary Buried Artesian aquifer
- Service lines
- As of 11/21/2025: 1 lead, 245 galvanized requiring replacement, 2505 unknown material and 2555 non-lead service lines
Other MN cities
Apple Valley home costsCottage Grove home costsEdina home costsFarmington home costsLakeville home costsLittle Falls home costsMaple Grove home costsPlymouth home costsShoreview home costsVadnais Heights home costsWoodbury home costsAndover home costsShakopee home costsChamplin home costsEagan home costsOtsego home costsFairmont home costsRochester home costsChanhassen home costsMaplewood home costsSt. Michael home costsInver Grove Heights home costsForest Lake home costsChaska home costsBurnsville home costsNorth Branch home costsStillwater home costsRoseville home costsBuffalo home costsVictoria home costsOakdale home costsRosemount home costsBlaine home costsHermantown home costsColumbia Heights home costsSt. Cloud home costsDayton home costsElk River home costsNew Brighton home costsSavage home costsEden Prairie home costsLittle Canada home costsNorth St. Paul home costsMankato home costsRogers home costsAnoka home costsEast Bethel home costsCoon Rapids home costsBrooklyn Center home costsCrystal home costsRichfield home costsBrooklyn Park home costsMoorhead home costsFaribault home costsNew Hope home costsWaconia home costsNorthfield home costs
How these numbers are made
- Property tax: McLeod County's 2026 payable rates for tax district 2301 (City of Hutchinson, School District 423): county 45.885%, city 58.588%, school 22.397%, HRA 1.028%, EDA 1.702% and Mid-Minnesota Development 0.157% of net tax capacity (total 129.757%), plus the 0.14154% school referendum rate on market value. The typical value is the city's median home value of $275,000. Water and sewer use the city's 2026 single-family rates; the $1.00 repair fees and $1.27 state testing fee are folded into the fixed charges. Garbage is the 65-gallon standard rate. Electric and gas use Hutchinson Utilities Commission's published residential rate schedule; the monthly power cost and fuel cost adjustments are not in the published schedule and are not modeled. Gas is converted from $7.10 per MCF to per therm using 1.037 therms per CCF. Typical use is the 2024 EIA average for HUC's residential customers (electric) and Minnesota (gas). HUC has announced new residential electric and gas rates effective December 1, 2026 (electric $17.30 and $0.09773 per kWh; gas $18.15 and $7.0425 per MCF); this model uses the rates in force before that date.
- Nothing here is legal, tax or insurance advice.
How Hutchinson compares
A typical Hutchinson house against the 58 Minnesota cities we cover, using the same default numbers as the total above.
| Per year | Hutchinson | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.76% | 1.50% | higher than 42 of the other 55 Minnesota cities we cover |
| Water | $384 | $368 | higher than 31 of the other 57 Minnesota cities we cover |
| Sewer and utility-bill fees | $723 | $637 | higher than 38 of the other 57 Minnesota cities we cover |
| Trash | $403 | $282 | higher than 13 of the other 16 Minnesota cities we cover |
| Electricity and gas | $1,669 | $2,109 | lower than 53 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 | $8,628 | $9,677 | lower than 48 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: Hutchinson's property tax rate is 1.76%, higher than 42 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 Hutchinson is 1.76%, higher than 42 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. Trash
The fact: Trash pickup here costs about $403 a year for the standard cart, higher than 13 of the other 16 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 $403 a year for the standard cart, higher than 13 of the other 16 Minnesota cities we cover. What drives that cost, and would you change anything about the service or the price?"
3. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,669 a year, lower than 53 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 $1,669 a year for a typical house, lower than 53 of the other 57 Minnesota cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Hutchinson house costs
What is the property tax rate in Hutchinson?
About 1.76% of the value before exemptions a year (2026 taxes payable, McLeod County (tax district 2301, City of Hutchinson, School District 423)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Hutchinson?
About $7,175 a year on $500,000 of the value before exemptions with the homestead market value exclusion.
How much is the water bill in Hutchinson?
About $92 a month for water and sewer at typical use (7,000 gallons a month) on City of Hutchinson.
How much does trash pickup cost in Hutchinson?
$23 to $46 a month, depending on the trash cart size (35 gallon, 65 gallon, 95 gallon).
When is property tax due in Hutchinson?
May 15: First half of real property taxes due Aug 15: Minnesota property tax refund due; you may file up to one year after the due date
Can seniors lower their property tax or bills in Hutchinson?
Yes. Seniors 65+ or on disability: reduced garbage rate: Persons 65 years of age or older or on disability as defined by the Social Security Administration are eligible to apply for reduced rates; the Senior Citizen Reduced Rate is $2.90 a month, with income qualifications.
How much does a house in Hutchinson cost to run each year?
A typical Hutchinson house costs about $8,600 a year: $3,670 property tax and charges, $1,110 water and sewer, $400 trash, $1,670 electricity and gas, $1,770 home insurance. Estimated from public rates, not anyone's actual bill.