North St. Paul, MN · Updated Oct 2026

What a North St. Paul 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.

Example · a North St. Paul house

$9,836a year · $820 a month

Starts at $310,500 of value before exemptions. Typical use.

Property tax$4,594
1.917% of $310,500, less $18,605 homestead market value exclusion and less $500,000 class 1a residential homestead: 1.00% class rate on the first $500,000
Electricity and gas$2,091
587.82 kWh a month $1,006 · 71 therms $1,085
Water and sewer$1,161
7,000 gallons a month on City of North St. Paul: water $35, sewer $61 a month
Trash$217
35 gallon trash, weekly (with recycling), $18 a month
Home insurance$1,774
Typical premium $1,774

A typical North St. Paul house pays about $9,800 a year: $4,590 property tax and charges, $1,160 water and sewer, $220 trash, $2,090 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:

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.
Water efficiency grant: toilets, dishwashers, washersUp to $150 toilet, $250 dishwasher or washer
The city reimburses 90% of the purchase price through a utility bill credit: you pay 10% of the pre-tax cost, up to $150 for a toilet or up to $250 for a dishwasher or washing machine. Purchases must be made after July 24, 2026, and you must receive water service from North St. Paul.
How: Apply online or bring the form to City Hall (2400 Margaret St.).
Electric utility customers: cordless yard equipment rebateUp to $200 for a riding mower
North St. Paul electric utility customers can get $25 for a trimmer, chainsaw or leaf blower, $50 for a push mower or $200 for a riding mower (new, cordless, battery-powered). Funds are limited and first-come, first-served.
How: Submit the application with your receipt by November 30, 2026.
Struggling with a utility bill
The city lists agencies that help households having difficulty paying utility bills, including Community Action Partnership (651-645-6470).
How: Call the agencies on the city's Help Paying Your Bill page.

Adjust to match your bills

What you knowTrash cartCity rates for 2026: trash plus the 9.75% solid waste management tax and 28% county environmental charge, plus $7.50 a month for recycling. Yard waste is optional ($7.00 a month) and not included.

Value before exemptionsUse the estimated market value on your 2025 valuation notice (the one your 2026 tax bill is based on). Street and other project charges vary by parcel and are not included.

I live here and have the Homestead market value exclusion and Class 1a residential homestead: 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 City of North St. Paul Electric Utility bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 1in 9 daysApply for the Senior Citizens Property Tax Deferral to defer next year's taxes
Nov 30, 2026in 38 daysDeadline for the electric utility cordless yard equipment rebate
Dec 31in 69 daysLast day to apply for homestead and for the homestead exclusion for veterans with a disability
Jan 1in 70 daysUnpaid property taxes become delinquent and interest is charged (currently 10% a year)

Who serves this house

Water: City of North St. Paul; The City of North St. Paul bills water monthly, per 1,000 gallons
Property tax: 1.92% of value; 2026 taxes payable, Ramsey County (North St. Paul tax district 6926: ISD 622, Metro watershed)
Garbage: Tennis Sanitation, under a city contract; The City contracts for citywide garbage and recycling service
Sewer: City of North St. Paul; The city provides water and sewer service to North St. Paul and parts of Maplewood
Electricity: City of North St. Paul Electric Utility; The city provides residential electric service to North St. Paul and parts of Maplewood and Oakdale
Gas: Xcel Energy; Xcel lists North St. Paul as a gas-only community
Schools: North St. Paul-Maplewood-Oakdale (ISD 622); The Ramsey County 2026 rates list North St. Paul tax district 6926 with ISD 622 (Metro watershed)

Pay or manage your bills

Your water

Source: Groundwater from five wells 468 to 531 feet deep in the Prairie Du Chien-Jordan and Jordan aquifers (2025 report)
Lead (2025): 0 of 30 homes tested had high lead levels; the 90th-percentile result was 2.4 ppb (action level: 90% of homes under 15 ppb)
PFAS (2025): PFOS (2024 sample): average or highest single test result 2 ppt, range 0.52 to 2.6 ppt, against a 4.0 ppt EPA limit

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How these numbers are made

Water: the city's 2026 fee schedule for a 5/8” to 1” water service: $11.92 a month plus $3.49 per 1,000 gallons to 7,000 gallons, $4.57 to 20,000 and $6.64 above. Sewer: $37.21 a month plus $3.58 per 1,000 gallons; the page applies the first-tier rate to all use (the schedule charges $4.05 above 7,000 gallons and $4.52 above 20,000). The city publishes no typical use, so the page starts at its default.
Garbage: the city's 2026 rates (trash, 9.75% solid waste management tax, 28% county environmental charge) plus $7.50 recycling, on the monthly utility bill. The page starts at the 35-gallon cart; the city does not say which size is most common. Not included: the city's surface water charge of $11.60 per dwelling, because the schedule does not state its billing period (about $139 a year if monthly).
Property tax: Ramsey County's final 2026 payable rates for North St. Paul tax district 6926 (ISD 622, Metro watershed; 141.217575%), the area of 2,854 of the city's 2,972 single-family homesteads (the other 118 are in the Valley Branch watershed, district 6929): county 50.117339%, city 50.955266%, schools 31.607172%, other 8.537798% (regional rail, North St. Paul HRA, Metro Watershed, Metropolitan Council, mosquito control) of tax capacity, plus 0.151872% of market value for school referendums. Tax capacity is 1.00% of taxable market value up to $500,000 and 1.25% above. The homestead market value exclusion comes off the tax-capacity parts only. The state general tax does not apply to homesteads.
Tax-bill charges: Ramsey County parcel data shows no project charges due on 2,710 of 2,972 single-family homestead bills for 2026; the rest carry amounts that vary by parcel, so none is included.
Electricity: the city's own utility, residential overhead service E1: $9.50 plus the $5.00 residential franchise fee a month, and per kWh $0.1143 October-May and $0.1251 June-September weighted 8/4 months (11.79 cents). The fee schedule lists no separate fuel or power-cost rider and no street-lighting charge is added (it lists $2.00 monthly for street lighting without saying who pays it). Typical use is the 2024 Xcel Minnesota residential average from EIA (about 588 kWh), not North St. Paul's own. Gas: Xcel Energy, from its table of average monthly bills at the January 1, 2026 interim rates (subject to refund; fitted from the 10- and 71-therm points), with the 2.75% residential franchise fee added to both parts. Insurance: 2022 NAIC Minnesota average (HO-3; dated) until you enter your own. Sales tax is not included.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about North St. Paul house costs

What is the property tax rate in North St. Paul?

About 1.92% of the value before exemptions a year (2026 taxes payable, Ramsey County (North St. Paul tax district 6926: ISD 622, Metro watershed)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in North St. Paul?

About $7,798 a year on $500,000 of the value before exemptions with the homestead market value exclusion.

How much is the water bill in North St. Paul?

About $97 a month for water and sewer at typical use (7,000 gallons a month) on City of North St. Paul.

How much does trash pickup cost in North St. Paul?

$18 to $41 a month, depending on the trash cart size (35 gallon trash, weekly (with recycling), 65 gallon trash, weekly (with recycling), 95 gallon trash, weekly (with recycling), 160 gallon trash (two 95-gallon carts), weekly (with recycling)).

When is property tax due in North St. Paul?

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 North St. Paul?

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 North St. Paul cost to run each year?

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