Little Canada, MN · Updated Oct 2026

What a Little Canada 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 Little Canada house

$11,073a year · $923 a month

Starts at $394,750 of value before exemptions. Typical use.

Property tax$5,643
1.774% of $394,750, less $11,023 homestead market value exclusion and less $500,000 1.00% class rate on the first $500,000
Electricity and gas$2,245
587.82 kWh a month $1,198 · 71 therms $1,047
Water and sewer$1,112
7,000 gallons a month on City of Little Canada: water $41, sewer $44, stormwater (single-family) $7 a month
Trash$300
60 gallon trash cart + recycling, $25 a month
Home insurance$1,774
Typical premium $1,774

A typical Little Canada house costs about $11,100 a year: $5,640 property tax and charges, $1,110 water and sewer, $300 trash, $2,240 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 30 gallon trash cart + recycling cartUp to $45 a year
Your cart costs $25 a month; the smallest costs $21. Worth it if you rarely fill it.
How: Call your garbage hauler.
File for homestead
Homestead can reduce the taxable market value of houses valued under $517,200, which may lower taxes, and it is one of the qualifying factors for the State of Minnesota Property Tax Refund.
How: Apply online with Ramsey County; the last day to apply is Dec. 31.
Claim the Minnesota property tax refund
The regular refund is based on household income and the property tax on your home; a special refund applies when your net property tax rose at least 12% and $100.
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.
Veterans with a 70%+ disability rating: homestead exclusion
Ramsey County offers a property tax exclusion for the homestead of an honorably discharged veteran with a service-connected disability rating of 70% or higher; the amount depends on the disability percentage.
How: Apply with Ramsey County by Dec. 31.
One free bulky item pickup a year
Properties in the City's organized collection program receive one free bulky item pickup per calendar year.
How: Call Republic Services at 651-455-8634 or 320-252-9608, or email littlecanada@republicservices.com.
Seniors 65+ or disabled: half off water service and sewer base charges
Eligible residents age 65 and older and disabled persons receive half off their water service charge and half off the sewer base charge; the City lists gross annual household income limits of $46,050 for 1 person, $52,600 for 2, $59,200 for 3 and $65,750 for 4.
How: Fill out the Utility Bill Discount Application and bring it with proof of income to Little Canada City Center, or call 651-766-4038.
Water efficiency rebates
The City offers rebates of up to $200 for qualifying clothes washers, toilets, dishwashers and irrigation items, or 75% of the project cost, whichever is less; purchases must be on or after July 1, 2026, and each property is eligible for one rebate until June 30, 2028.
How: See the City's Water Efficiency Rebate Program page.
Pay property tax by e-check, not card
Ramsey County's online payment service charges $1 per e-check but 2.49% per credit or debit card payment.
How: Choose e-check when you pay online.

Adjust to match your bills

What you knowTrash cartMonthly price = trash cart + recycling collection ($5.54) + the $1.00 monthly administrative fee. Optional yard waste is $125.40 for the season and is not included.

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

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 Xcel Energy bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 1in 8 daysApply for the Senior Citizens Property Tax Deferral to defer next year's taxes
Dec 31in 68 daysLast day to apply for homestead and for the homestead exclusion for veterans with a disability
Jan 1in 69 daysUnpaid property taxes become delinquent and interest is charged (currently 10% a year)
May 15First half of Ramsey County property tax due; penalties start the day after

Who serves this house

Water: City of Little Canada; $4.96 per 1,000 gallons (1st and 4th quarters) and $5.16 per 1,000 gallons (2nd and 3rd quarters)
Property tax: 1.77% of value; 2026 taxes payable, Ramsey County (Little Canada tax district 5336: Roseville schools ISD 623)
Garbage: Republic Services (trash) and Waste Management (recycling), billed by the City; Under the City's organized collection program, Republic Services provides trash collection, and Waste Management provides recycling collection
Sewer: City of Little Canada; The utility bill from the City of Little Canada includes charges for water usage, sanitary sewer and stormwater
Electricity: Xcel Energy; Xcel Energy's list of Minnesota communities served shows Little Canada under electricity and gas
Gas: Xcel Energy; Xcel Energy's list of Minnesota communities served shows Little Canada under electricity and gas
Schools: School district 623 or 624; Ramsey County's 2026 tax rate table lists Little Canada rows for school districts 623 and 624

Pay or manage your bills

Your water

Source: The City purchases treated water from St. Paul Regional Water Services (SPRWS), which gets its water from the Mississippi River
Hardness: The City says its water has 5-7 grains of hardness
Lead service lines: As of 11/18/2025 the City's service line inventory shows 0 lead, 0 galvanized requiring replacement and 0 unknown material

Other MN cities

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How these numbers are made

Water: the City buys water from Saint Paul Regional Water Services and bills quarterly. The City's 2026 rates are $4.96 per 1,000 gallons in the first and fourth quarters and $5.16 in the second and third; we use the average, $5.06. The fixed monthly charge is the $19.18 water service charge plus the $2.43 state surcharge for the lead testing program, each divided by 3 on the assumption they bill quarterly like the rest of the utility bill ($7.20 a month; if the city actually bills the service charge monthly, the fixed water charge would be about $12.77 a month higher); water service charge is per SAC unit and a typical house has one. The city does not publish an average household use, so the page starts at 9 CCF.
Sewer: $60.69 a quarter minimum (up to 7,000 gallons of water used), so $20.23 a month covering 2,333 gallons a month, then $5.39 per 1,000 gallons above that. Stormwater ($22.39 a quarter for a single-family home) is added as a monthly utility fee.
Garbage: the City bills the hauler price on the utility bill: a 60-gallon cart $18.42 + recycling $5.54 + $1.00 administrative fee = $24.96 a month (30 gallon $21.17, 90 gallon $30.10); optional yard waste is not included.
Property tax: Ramsey County's final 2026 payable rates for Little Canada tax district 5336 (Roseville schools ISD 623), the district of 1,464 of the city's 1,529 single-family homesteads: 124.145085% of tax capacity (city 28.781920%, county 50.117339%, schools 35.173618%, other districts 10.072208%) plus 0.222611% of market value for school referendums. Tax capacity is 1.00% of taxable market value up to $500,000 and 1.25% above. For homesteads the homestead market value exclusion comes off the tax-capacity parts only. District 5346 (White Bear Lake ISD 624, 65 homesteads) pays 124.045099% plus 0.172081%. The state general tax does not apply to homesteads. Ramsey County parcel data shows no flat extra charge on 1,322 of 1,529 single-family homestead tax bills for 2026, so none is included; some parcels carry street or other charges.
Electricity: Xcel serves Little Canada. Xcel's $6.00 basic service charge (Xcel's tariff lists a $2.75 Little Canada residential franchise fee with an expiration date of 08/26/2023, so it is not added), and per kWh the 2024 average Xcel Minnesota residential revenue (EIA: $1,473 million over 8,677 GWh) less the basic charge, 15.96 cents; that average includes seasonal rates, fuel and riders but predates later rate changes. Gas: Xcel's table of average monthly residential bills at the January 1, 2026 interim rates ($21 at 10 therms, $336 at 300 therms) gives $10.14 a month plus $1.0862 per therm; Xcel's gas franchise fee table has no Little Canada row, so none is added. Typical use: about 588 kWh a month (EIA 2024, Xcel Minnesota) and 71 therms (Xcel's typical residential gas customer). Insurance: 2022 NAIC Minnesota average (HO-3) until you enter your own. Sales tax is not included.
NSP-Minnesota is the Xcel Energy operating company serving Minnesota; EIA's NSP-Minnesota average is used as Xcel's Minnesota residential average.
Nothing here is legal, tax or insurance advice.

Sources

How Little Canada compares

A typical Little Canada house against the 58 Minnesota cities we cover, using the same default numbers as the total above.

Per year	Little Canada	Median	Where it falls
Property tax rate	1.77%	1.50%	higher than 44 of the other 55 Minnesota cities we cover
Water	$495	$368	higher than 41 of the other 57 Minnesota cities we cover
Sewer and utility-bill fees	$617	$637	lower than 34 of the other 57 Minnesota cities we cover
Trash	$300	$282	higher than 9 of the other 16 Minnesota cities we cover
Electricity and gas	$2,245	$2,109	higher than 37 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	$11,073	$9,677	higher than 51 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: Little Canada's property tax rate is 1.77%, higher than 44 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 Little Canada is 1.77%, higher than 44 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?"

See who is running in your city →

Common questions about Little Canada house costs

What is the property tax rate in Little Canada?

About 1.77% of the value before exemptions a year (2026 taxes payable, Ramsey County (Little Canada tax district 5336: Roseville schools ISD 623)), plus flat charges on the same bill.

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

About $7,301 a year on $500,000 of the value before exemptions with the homestead market value exclusion.

How much is the water bill in Little Canada?

About $93 a month for water and sewer at typical use (7,000 gallons a month) on City of Little Canada.

How much does trash pickup cost in Little Canada?

$21 to $30 a month, depending on the trash cart size (30 gallon trash cart + recycling, 60 gallon trash cart + recycling, 90 gallon trash cart + recycling).

When is property tax due in Little Canada?

Jan 1: Unpaid property taxes become delinquent and interest is charged (currently 10% a year) May 15: First half of Ramsey County property tax due; penalties start the day after 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 Little Canada?

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.

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

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