What a Mankato 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 the typical market value, $325,000; your assessed value is often lower. Typical use.
- Property tax$3,715
1.464% of $325,000, less $17,300 homestead market value exclusion and less $500,000 the 1.25% class rate applies only to market value above $500,000
- Electricity and gas$2,046
587.82 kWh a month $1,198 · 61.79 therms $848
- Water and sewer$1,267
8.02 units (CCF) a month on City of Mankato: water $40, sewer $58, stormwater utility $5, street light utility (single-family) $3 a month
- Trash$234
65-gallon cart, $19 a month
- Home insurance$1,774
Typical premium $1,774
A Mankato house at the typical market value ($325,000) pays about $9,000 a year: $3,720 property tax and charges, $1,270 water and sewer, $230 trash, $2,050 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 cart cartUp to $73 a year
Your cart costs $19 a month; the smallest costs $13. Worth it if you rarely fill it.
How: One cart exchange a year is free; each additional exchange is $10.00
Apply for homestead by December 31
Homestead is for the property you own and occupy as your primary home. The homestead market value exclusion is 40% of 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 to your county assessor by December 31 to qualify for taxes payable the next year.
Claim the Minnesota property tax refund
Minnesota homeowners may get a Property Tax Refund based on income and property taxes.
How: File with the Minnesota Department of Revenue by August 15 (late filing allowed up to one year).
Veterans with a disability: $150,000 or $300,000 market value exclusion$150,000 or $300,000 market value exclusion
Honorably discharged veterans with a 70% or greater service-connected disability can get a $150,000 market value exclusion; a 100% permanent and total disability rating qualifies for $300,000.
How: The property must have a homestead classification; you must own and occupy it on December 31.
Seniors 65+ (if married, one 65+ and the other at least 62) with household income of $96,000 or less: defer property taxes
You must be 65 or older in the year you apply; if married, one of you is 65 or older and the other is at least 62. The Senior Citizens Property Tax Deferral caps the tax you pay at 3% of household income; the state pays the rest as a loan, repaid with interest when you sell the home or voluntarily cancel the deferral. You must have owned, lived in and homesteaded the home for the last 5 years, have no reverse mortgage, life estate, tax liens or judgment liens, and other liens must be under 75% of the estimated market value.
How: Apply by November 1 to defer your property taxes the following year.
Money dates
- Nov 1in 9 daysApply for the senior citizens property tax deferral for next year
- Dec 31in 69 daysApply to the county assessor for homestead to qualify for taxes payable next year
- May 15First-half real property 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 Mankato
- City of Mankato water: $4.85 per 100 cubic feet (748 gallons)
- Property tax
- 1.46% of value
- 2026 taxes payable, Blue Earth County, district 01-0077 (City of Mankato, School District 77)
- Garbage
- City of Mankato
- The City of Mankato fee schedule lists refuse and recycling per month by cart size: 35, 65 or 95 gallons
- Sewer
- City of Mankato
- City wastewater, billed on the utility bill by 100 cubic feet
- Electricity
- Xcel Energy
- Xcel lists Mankato among the Minnesota communities it serves with electricity
- Gas
- CenterPoint Energy
- CenterPoint lists Mankato with a residential franchise fee of $1.00
- Schools
- Mankato Area Public Schools (ISD 77)
- School district 0077 - Mankato in the Blue Earth County rate table
Other MN cities
What a Apple Valley house paysWhat a Cottage Grove house paysWhat a Edina house paysWhat a Farmington house paysWhat a Lakeville house paysWhat a Little Falls house paysWhat a Maple Grove house paysWhat a Plymouth house paysWhat a Shoreview house paysWhat a Vadnais Heights house paysWhat a Woodbury house paysWhat a Andover house paysWhat a Shakopee house paysWhat a Champlin house paysWhat a Eagan house paysWhat a Otsego house paysWhat a Fairmont house paysWhat a Rochester house paysWhat a Chanhassen house paysWhat a Maplewood house paysWhat a St. Michael house paysWhat a Inver Grove Heights house paysWhat a Forest Lake house paysWhat a Chaska house paysWhat a Burnsville house paysWhat a North Branch house paysWhat a Stillwater house paysWhat a Roseville house paysWhat a Buffalo house paysWhat a Victoria house paysWhat a Oakdale house paysWhat a Rosemount house paysWhat a Blaine house paysWhat a Hermantown house paysWhat a Columbia Heights house paysWhat a St. Cloud house paysWhat a Dayton house paysWhat a Elk River house paysWhat a New Brighton house paysWhat a Savage house paysWhat a Eden Prairie house paysWhat a Little Canada house paysWhat a North St. Paul house paysWhat a Rogers house paysWhat a Anoka house paysWhat a East Bethel house paysWhat a Coon Rapids house paysWhat a Brooklyn Center house paysWhat a Crystal house paysWhat a Hutchinson house paysWhat a Richfield house pays
How these numbers are made
- Water and sewer: City of Mankato 2026 rates: $4.85 water and $5.66 wastewater per 100 cubic feet; the $12.59 fixed cost of service is one monthly charge for water and wastewater together, shown on the sewer line; the $1.27 state connection fee is on the water line. Typical use is the 6,000 gallons the city uses in its rate chart (8.02 CCF).
- Stormwater $4.89 and single-family street light $2.55 are flat monthly city charges. Refuse is billed on the city utility bill by cart size.
- Property tax: Blue Earth County payable-2026 rates for district 01-0077: county 39.507%, city 40.696%, school 25.511%, Region 9 0.137% of tax capacity, plus the school referendum 0.14095% of market value. The calculator applies the homestead exclusion and the 1.00% class rate (1.25% above $500,000). The starting value is the city-reported average homestead valuation, not a median.
- Electricity: Xcel basic service charge plus the 2024 EIA average Xcel Minnesota residential revenue per kWh with the charge removed. Gas: CenterPoint $9.50 basic charge plus the $1.00 Mankato franchise fee and per-therm delivery, gas cost and riders.
- Insurance: the 2022 NAIC statewide average premium for Minnesota (HO-3), likely low today.
- Nothing here is legal, tax or insurance advice.
- City of Mankato 2026 fee schedule
- City of Mankato 2026 budget hearing presentation
- Blue Earth County payable 2026 tax rates
- Minnesota Department of Revenue: Homestead Market Value Exclusion
- Minnesota Department of Revenue: Module 3, Classification of Property
- EIA: 2024 utility bundled retail sales, residential (Table 6)
- Xcel Energy Minnesota Residential Electrical Prices
- Xcel Energy Minnesota Electric Rate Book, Section 4
- CenterPoint Energy 2026 Minnesota tariff book
- EIA: Minnesota natural gas consumption by end use
- EIA: Minnesota natural gas consumers
- Xcel Energy Minnesota Electric Rate Book, Section 3: Service Area
- Insurance Information Institute: Homeowners and renters insurance facts (NAIC data)
- Minnesota Department of Revenue: Homestead classification
- Minnesota Department of Revenue: Property Tax Refund
- Minnesota Department of Revenue: Filing for a Property Tax Refund
- Minnesota Department of Revenue: Market value exclusion for veterans with a disability
- Minnesota Department of Revenue: Senior Citizens Property Tax Deferral
- City of Waconia: Utility Billing Rates
- City of Waconia: Services Billed by the City
- City of Waconia: Utility Billing
- City of Waconia 2025 annual comprehensive financial report
- City of Waconia 2026 budget
- City of Waconia 2024 Consumer Confidence Report
- City of Waconia fee schedule
- City of Waconia: Licensing
- Xcel Energy: Minnesota communities served
Common questions about Mankato house costs
What is the property tax rate in Mankato?
About 1.46% of the value before exemptions a year (2026 taxes payable, Blue Earth County, district 01-0077 (City of Mankato, School District 77)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Mankato?
About $5,981 a year on $500,000 of the value before exemptions with the homestead market value exclusion.
How much is the water bill in Mankato?
About $106 a month for water and sewer at typical use (8.02 units, or 5,999 gallons a month) on City of Mankato.
How much does trash pickup cost in Mankato?
$13 to $30 a month, depending on the trash cart size (35-gallon cart, 65-gallon cart, 95-gallon cart).
When is property tax due in Mankato?
May 15: First-half real property taxes due 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 Mankato?
Yes. Seniors 65+ (if married, one 65+ and the other at least 62) with household income of $96,000 or less: defer property taxes: You must be 65 or older in the year you apply; if married, one of you is 65 or older and the other is at least 62. The Senior Citizens Property Tax Deferral caps the tax you pay at 3% of household income; the state pays the rest as a loan, repaid with interest when you sell the home or voluntarily cancel the deferral. You must have owned, lived in and homesteaded the home for the last 5 years, have no reverse mortgage, life estate, tax liens or judgment liens, and other liens must be under 75% of the estimated market value.
How much does a house in Mankato cost to run each year?
A Mankato house at the typical market value ($325,000) pays about $9,000 a year: $3,720 property tax and charges, $1,270 water and sewer, $230 trash, $2,050 electricity and gas, $1,770 home insurance. Estimated from public rates, not anyone's actual bill.