What a Maple Grove 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 $467,400 of value before exemptions. Typical use.
- Property tax$5,831
1.510% of $467,400, less $4,484 homestead market value exclusion and less $500,000 the 1.25% class rate applies only to market value above $500,000
- Electricity and gas$2,034
587.82 kWh a month $1,198 · 61.79 therms $836
- Water and sewer$826
7,000 gallons a month on City of Maple Grove: water $15, sewer $33, storm drainage (detached single-family residence) $8, streetlights (residential, per reu) $3, recycling and yard waste (per dwelling unit) $7, organics recycling (charged to every household) $3 a month
- TrashNot included
The City does not provide or contract for residential garbage service; licensed haulers offer it
- Home insurance$1,774
Typical premium $1,774
A typical Maple Grove house pays about $10,500 a year: $5,830 property tax and charges, $830 water and sewer, $2,030 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:
Apply for homestead by December 31
Homestead status can save you money on your property taxes. 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 with Hennepin County: you must own, occupy and apply by December 31.
Use the Maple Grove Yard Waste Site you already pay for
Access to the Maple Grove Yardwaste Site is paid for through residential utility bills, and most of its services are free for Maple Grove and area residents with ID.
How: For details, see the city's yard waste site page.
Pay the utility bill from your bank account, not a card
MG Bill Pay adds a 3% transaction fee (minimum $2.95) to card, Venmo, PayPal, Apple Pay and Google Pay payments; electronic payment from a checking account has no fee.
How: Pay by electronic check in MG Bill Pay, by paper check, or at the Government Center drop box.
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).
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 70–99% service-connected disability can get a $150,000 market value exclusion; a veteran with a 100% and permanent service-connected disability can get $300,000.
How: Your property must be classified as homestead; apply with Hennepin County by December 31.
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.
Paid property tax late? Ask for a penalty abatement
Hennepin County lets owners request an abatement of the late-payment penalty once every ten years, for current-year taxes.
How: Pay the tax in full, then apply by June 30 (first half) or November 30 (second half).
Money dates
- Nov 30in 38 daysPenalty abatement application due for late second-half property taxes (current-year taxes only)
- Dec 31in 69 daysOwn, occupy and apply for homestead with Hennepin County
- May 15First half of Hennepin County property tax 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 Maple Grove
- City of Maple Grove, billed quarterly on the city utility bill
- Property tax
- 1.51% of value
- 2026 taxes payable, Hennepin County (Maple Grove, Osseo schools ISD 279, Elm Creek watershed)
- Garbage
- Licensed private haulers
- The City does not provide or contract for residential garbage service; licensed haulers offer it. Republic Services collects recycling and organics citywide for a flat fee on the quarterly city utility bill
- Sewer
- City of Maple Grove
- Billed quarterly on the city utility bill; single-family sewer charges are based on winter water use
- Electricity
- Xcel Energy, Wright-Hennepin Electric or Connexus Energy
- The City lists Xcel Energy, Wright-Hennepin Electric and Connexus Energy among its electric/gas utilities and notes that different areas of the City are serviced by certain providers
- Gas
- CenterPoint Energy
- Maple Grove is on CenterPoint Energy's list of Minnesota communities it serves
- Schools
- Osseo School District (ISD 279)
- Hennepin County's 2026 assessment counts 16,095 Maple Grove single-family residential parcels in the Osseo school district
Your water
- Source
- Groundwater from ten wells 157 to 295 feet deep in the Quaternary Buried Artesian and Quaternary Water Table aquifers
- Hardness
- Considered very hard, averaging about 26 grains per gallon; the city is evaluating centralized water softening
- PFAS
- PFOS averaged 2.4 ppt (range 1.7–3.7 ppt) and PFOA 2 ppt (range 1.5–3.1 ppt) in 2025
- Lead
- At customer taps, the 90th-percentile lead result was 1.5 ppb (action level 15 ppb) and 1 of 30 homes had high levels. Service lines as of Nov. 4, 2025: 0 lead, 0 galvanized requiring replacement, 11 of unknown material
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 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 Mankato 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: City of Maple Grove 2026 fee schedule (Ordinance 25-17): $1.84, $2.48 and $3.32 per 1,000 gallons, with the quarterly tier limits of 20,000 and 40,000 gallons applied as 6,667 and 13,333 gallons a month. The monthly fixed charge is the $1.63 water treatment surcharge plus the $15.22 yearly state water testing fee ($1.27 a month). The $18.40 quarterly minimum (10,000 gallons) is not applied. The starting water use (about 6,700 gallons, 8.9 CCF, a month) is the city's average winter quarter of 20,000 gallons; summer use with lawn watering is usually higher.
- Sewer: $31.22 a quarter ($10.41 a month) plus $3.39 per 1,000 gallons. Maple Grove bills single-family homes without HOA-covered lawn irrigation on winter-quarter water use (or actual use if lower) and others on actual use; the calculator charges sewer on the water use you enter, so with summer use above the winter level it overstates sewer for most houses. Storm drainage ($22.87 a quarter for a detached single-family home, $7.62 a month) is added as a utility fee.
- Garbage: Maple Grove does not provide or contract residential trash service; households hire a licensed hauler, whose price is not included. Three other quarterly fees on the city utility bill are counted, each divided by 3 for a monthly figure: Recycling/Yard Waste, $19.75 a quarter per dwelling unit ($6.58 a month; curbside recycling plus access to the Yard Waste drop-off site, not curbside yard waste pickup); Organics, $10.25 a quarter ($3.42 a month, charged to every household); and Streetlights, $9.20 a quarter per residential equivalent unit ($3.07 a month; the fee schedule counts a detached single-family home as 1 REU).
- Property tax: Hennepin County's final 2026 payable rates for the most common Maple Grove tax area (city 76, Osseo schools ISD 279, Elm Creek watershed): 101.254% of tax capacity plus 0.24481% of market value for school referendums. For the value you enter, the calculator takes off the homestead market value exclusion (40% of value up to $95,000, then $38,000 minus 9% of value above $95,000, zero from $517,200), multiplies the rest by the 1.00% class rate and the 101.254% tax capacity rate, adds a further 0.25% x 101.254% on any value above $500,000 (the 1.25% class rate), and adds 0.24481% of the full value for the referendum levies, which the exclusion does not reduce. At the $467,400 median the exclusion is $4,484 and the tax is about $5,830. If you untick that you live in the house, the exclusion is dropped. Homes in the Wayzata or Rockford school districts or the Shingle Creek or West Mississippi watersheds pay somewhat different rates.
- Electricity: Xcel Energy's $6.00 basic service charge, and per kWh the 2024 average Xcel Minnesota residential revenue (EIA: $1,473 million over 8,677 GWh) less the basic charges, 15.96 cents. That average covers the seasonal energy rates, fuel cost charge and riders, but predates the interim rate increase in effect since January 2025 and the 2026 rate case decision. The City says different areas are served by different electric providers; homes served by Wright-Hennepin Electric or Connexus Energy (cooperatives with their own rates) will pay differently. Maple Grove does not appear on CenterPoint's franchise fee list, and we found no city electric franchise fee.
- Gas: CenterPoint Energy's $9.50 basic charge; per therm, the delivery charge plus the tariff's cost of gas, revenue decoupling and Natural Gas Innovation Act charges ($0.97366). The real cost of gas moves monthly with the Purchased Gas Adjustment. Typical use: about 588 kWh a month (EIA 2024, Xcel Minnesota residential sales per customer) and about 62 therms a month (EIA 2024 Minnesota residential gas use per customer). Insurance: the 2022 NAIC statewide average premium for Minnesota (HO-3), until you enter your own.
- Nothing here is legal, tax or insurance advice.
- City of Maple Grove Ordinance 25-17, Appendix A: 2026 Fee Schedule
- City of Maple Grove: Current water and sewer rates FAQs
- City of Maple Grove: Utility billing FAQs
- City of Maple Grove: Electronic billing FAQs
- City of Maple Grove: Organics recycling FAQs
- City of Maple Grove: Utility billing
- City of Maple Grove: Local utilities
- City of Maple Grove: Garbage, recycling, and yard waste
- City of Maple Grove: Licensed garbage haulers (Resource Directory)
- City of Maple Grove: Curbside recycling
- City of Maple Grove: Centralized water softening
- City of Maple Grove 2025 Water Quality Report (CCR)
- Hennepin County: Final 2026 Property Tax Rate Breakdown
- Hennepin County: 2026 Final Tax Rate Cards
- Hennepin County: 2026 tax capacity values by unique taxing area
- Hennepin County: 2026 Assessment Report (median values by city and school district)
- Hennepin County: Property taxes overview
- Hennepin County: Pay property taxes
- Hennepin County: Delinquent property taxes
- Hennepin County: Homestead
- Minnesota Department of Revenue: Module 3, Classification of Property
- Minnesota Department of Revenue: Homestead Market Value Exclusion
- 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
- Xcel Energy Minnesota Residential Electrical Prices (effective January 1, 2024)
- Xcel Energy: Minnesota communities served
- EIA: 2024 utility bundled retail sales, residential (Table 6)
- Xcel Energy (Northern States Power Company, Minnesota) Electric Rate Book, Section 3: Service Area
- Xcel Energy (Northern States Power Company, Minnesota) Electric Rate Book, Section 4: Technical Terms and Conditions
- 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 Maple Grove compares
A typical Maple Grove house against the 35 Minnesota cities we cover, using the same default numbers as the total above.
| Per year | Maple Grove | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.51% | 1.49% | higher than 20 of the other 33 Minnesota cities we cover |
| Water | $182 | $339 | lower than 32 of the other 34 Minnesota cities we cover |
| Sewer and utility-bill fees | $644 | $621 | higher than 20 of the other 34 Minnesota cities we cover |
| Electricity and gas | $2,034 | $2,150 | lower than 25 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 | $10,466 | $9,536 | higher than 27 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. Water
The fact: Water here costs about $182 a year at typical use, lower than 32 of the other 34 Minnesota cities we cover.
Ask: "Water here costs about $182 a year at typical use, lower than 32 of the other 34 Minnesota cities we cover. What drives that cost, and would you change anything?"
2. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $2,034 a year, lower than 25 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 $2,034 a year for a typical house, lower than 25 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 Maple Grove house costs
What is the property tax rate in Maple Grove?
About 1.51% of the value before exemptions a year (2026 taxes payable, Hennepin County (Maple Grove, Osseo schools ISD 279, Elm Creek watershed)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Maple Grove?
About $6,271 a year on $500,000 of the value before exemptions with the homestead market value exclusion.
How much is the water bill in Maple Grove?
About $69 a month for water and sewer at typical use (7,000 gallons a month) on City of Maple Grove.
How much does trash pickup cost in Maple Grove?
The City does not provide or contract for residential garbage service; licensed haulers offer it
When is property tax due in Maple Grove?
Nov 30: Penalty abatement application due for late second-half property taxes (current-year taxes only) May 15: First half of Hennepin County property tax due 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 Maple Grove?
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 Maple Grove cost to run each year?
A typical Maple Grove house pays about $10,500 a year: $5,830 property tax and charges, $830 water and sewer, $2,030 electricity and gas, $1,770 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.