What a Lakeville 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 $466,200 of value before exemptions. Typical use.
- Property tax$5,057
1.305% of $466,200, less $500,000 1.00% class rate on the first $500,000 and less $4,592 homestead market value exclusion
- Electricity and gas$2,308
700 kWh a month $1,400 · 61.79 therms $908
- Water and sewer$846
7,000 gallons a month on City of Lakeville: water $19, sewer $43, street lights (residential) $4, environmental resources fee (stormwater, single-family residential unit) $5 a month
- TrashNot included
Residents pick one of the five licensed residential haulers for trash and recycling
- Home insurance$1,774
Typical premium $1,774
A typical Lakeville house pays about $10,000 a year: $5,060 property tax and charges, $850 water and sewer, $2,310 electricity and gas, $1,770 home insurance; trash is billed separately. 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:
Replacing an old toilet? Get up to $200 backUp to $200 per toilet
Lakeville water customers get 50% of the cost back, up to $200 per toilet and up to four toilets, when they replace a toilet with a WaterSense labeled one bought July 13, 2026 through June 30, 2028, while funds last.
How: Send the City's online or paper rebate request form with your receipt; the rebate comes as a credit on your quarterly water bill.
WaterSense sprinkler controller: 50% backUp to $200
Lakeville water customers get 50% of the cost, up to $200, for replacing a lawn irrigation controller with a WaterSense labeled controller (homeowners associations are not eligible).
How: Send the City's rebate request form with your receipt by June 30, 2028, while funds last.
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).
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.
Pay property tax automatically for free
Dakota County has a free program that withdraws your property tax payment from your bank account on the due date.
How: Enroll with your bank routing and account number and property ID; forms submitted now take effect for taxes due in 2027.
Money dates
- Dec 31in 69 daysHomestead applications due to Dakota County; they affect the next year's taxes
- Dec 31in 69 daysDisabled veterans market value exclusion applications due to Dakota County
- May 15First half of Dakota County real estate taxes 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 Lakeville
- City of Lakeville, billed quarterly
- Property tax
- 1.31% of value
- 2026 taxes payable, Dakota County (Lakeville tax area 2205: School District 194, Vermillion River watershed)
- Garbage
- Licensed private haulers
- Residents pick one of five licensed residential haulers; the east side is collected Wednesday/Thursday and the west side Tuesday/Wednesday
- Sewer
- City of Lakeville
- Billed quarterly: $11.68 base charge plus $5.79 per 1,000 gallons
- Electricity
- Dakota Electric Association
- The City lists Dakota Electric Association and Xcel Energy as its electric companies; residential customers pay a $6.00 monthly franchise fee
- Gas
- CenterPoint Energy
- The City lists CenterPoint Energy and Minnesota Energy Resources as its gas companies; residential customers pay a $6.00 monthly franchise fee
- Schools
- School District 194
- Lakeville's tax areas are in school district 192, 194 or 196, each with its own rates
Your water
- Source
- Groundwater from eighteen wells 505 to 864 feet deep in the Prairie Du Chien-Jordan, Tunnel City-Wonewoc and Jordan aquifers
- Hardness
- 18 grains per gallon; the City suggests setting softeners at 14-16 grains
- Lead
- 90% of 30 homes tested were under 2 ppb lead; as of Nov. 17, 2025 the inventory listed 4 lead and 30 galvanized service lines requiring replacement
Other MN cities
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How these numbers are made
- Property tax: Dakota County's final 2026 payable rates for Lakeville tax area 2205 (School District 194 and the Vermillion River watershed, the most common combination for Lakeville homesteads in the county's parcel data): 84.911% of tax capacity (county 21.031%, city 32.967%, schools 27.593%, special districts 3.32%) plus 0.24401% of market value for the school referendum levy.
- 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 84.911% 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, and zero from $517,200 ($4,592 at the $466,200 median); it comes off the tax-capacity parts only. The referendum rate applies to full market value; the exclusion does not reduce it.
- About 11,200 Lakeville homesteads are in tax area 2205; others are in Black Dog watershed areas (no watershed levy) or in Farmington (192) or Rosemount-Apple Valley-Eagan (196) school districts, which pay different rates.
- Water and sewer: City of Lakeville 2026 quarterly rates as monthly amounts: water $11.58 base plus the $3.81 state water connection fee per quarter ($5.13 a month), then $1.51, $1.67, $3.23 and $5.67 per 1,000 gallons with the quarterly tier limits (6,000, 15,000 and 30,000 gallons) divided by three; sewer $11.68 a quarter plus $5.79 per 1,000 gallons on the water use you enter (Lakeville actually bills sewer on first- or second-quarter use with a 5,000-gallon quarterly minimum). Street lights ($10.63) and the Environmental Resources stormwater fee ($16.00) per quarter are counted as utility fees.
- Electricity: Dakota Electric, which serves most of Lakeville (Xcel Energy serves the older downtown area and a northeast pocket, per the City's map). We use the $12.00 fixed charge plus Lakeville's $6.00 residential franchise fee ($18.00 a month), and the current net rate including the Resource and Tax Adjustment averaged over the year: 3 months at 15.14 cents and 9 months at 13.74 cents, 14.09 cents per kWh. Typical use is 700 kWh a month, the residential average in Dakota Electric's 2026 rate notice.
- Gas: CenterPoint Energy, which serves about 62% of Lakeville's single-family homesteads (our count of county parcels against the City's gas provider map); Minnesota Energy Resources serves much of the south and east. We use CenterPoint's $9.50 basic charge plus the $6.00 franchise fee ($15.50 a month), and per therm the delivery charge, the tariff's base cost of gas, decoupling and Natural Gas Innovation Act charges; the real cost of gas moves monthly. Typical use: about 62 therms a month (EIA 2024 Minnesota residential average per customer).
- Garbage: Lakeville has no city trash service or trash fee, so trash is not counted; add your hauler's price. Insurance: the 2022 NAIC statewide average premium for Minnesota (HO-3), until you enter your own.
- Nothing here is legal, tax or insurance advice.
- Dakota County: Final Tax Rates, Pay 2026
- Dakota County: Residential Homestead Market Value Statistics by city (2025 and 2026 assessments)
- Dakota County: Residential Homestead Market Value Statistics by school district
- Dakota County: Tax deadlines and due dates
- Dakota County: Homestead
- Dakota County: Paying property taxes
- Dakota County: Late and delinquent property taxes
- Minnesota Department of Revenue: Module 3, Classification of Property
- Minnesota Department of Revenue: Homestead Market Value Exclusion
- Minnesota Statutes 126C.01 (referendum market value)
- Minnesota Department of Revenue: Market Value Exclusion for Veterans with a Disability
- Minnesota Department of Revenue: Property Tax Refund
- Minnesota Department of Revenue: Filing for a Property Tax Refund
- City of Lakeville: 2026 Fee Schedule (utility rates)
- City of Lakeville: 2026 Adopted Budget Community Summary
- City of Lakeville: Utility Billing
- City of Lakeville: Public Utilities (electric and gas providers)
- City of Lakeville: Utility Franchise Fees
- City of Lakeville: Ordinance 1095, Dakota Electric franchise fee
- City of Lakeville: Ordinance 1096, CenterPoint Energy franchise fee
- City of Lakeville: Water Quality Report
- Lakeville 2025 Drinking Water Report (CCR)
- City of Lakeville: Waste Haulers
- City of Lakeville: Recycling
- City of Lakeville: Water Efficiency Rebate Program
- Dakota Electric: Residential Tariff Book (June 2026)
- Dakota Electric: Final Rates Brochure 2026
- Dakota Electric: Residential rates
- CenterPoint Energy 2026 Minnesota Rates, Rights and Tariff Book
- EIA: Minnesota natural gas consumption by end use
- EIA: Minnesota natural gas consumers
- Insurance Information Institute: Facts + Statistics, Homeowners and renters insurance (NAIC data)
How Lakeville compares
A typical Lakeville house against the 35 Minnesota cities we cover, using the same default numbers as the total above.
| Per year | Lakeville | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.31% | 1.49% | lower than 30 of the other 33 Minnesota cities we cover |
| Water | $225 | $339 | lower than 29 of the other 34 Minnesota cities we cover |
| Sewer and utility-bill fees | $621 | $621 | in the middle of 34 other Minnesota cities we cover |
| Electricity and gas | $2,308 | $2,150 | higher than 29 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 | $9,985 | $9,536 | higher than 23 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: Lakeville's property tax rate is 1.31%, lower than 30 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 Lakeville is 1.31%, lower than 30 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 $225 a year at typical use, lower than 29 of the other 34 Minnesota cities we cover.
Ask: "Water here costs about $225 a year at typical use, lower than 29 of the other 34 Minnesota cities we cover. What drives that cost, and would you change anything?"
3. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $2,308 a year, higher than 29 of the other 34 Minnesota cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $2,308 a year for a typical house, higher than 29 of the other 34 Minnesota cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Lakeville house costs
What is the property tax rate in Lakeville?
About 1.31% of the value before exemptions a year (2026 taxes payable, Dakota County (Lakeville tax area 2205: School District 194, Vermillion River watershed)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Lakeville?
About $5,452 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 Lakeville?
About $71 a month for water and sewer at typical use (7,000 gallons a month) on City of Lakeville.
How much does trash pickup cost in Lakeville?
Residents pick one of the five licensed residential haulers for trash and recycling
When is property tax due in Lakeville?
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 Lakeville?
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 Lakeville cost to run each year?
A typical Lakeville house pays about $10,000 a year: $5,060 property tax and charges, $850 water and sewer, $2,310 electricity and gas, $1,770 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.