What a Owatonna 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.
Starts at the typical market value, $245,200; your assessed value is often lower. Typical use.
- Property tax$2,814
1.275% of $245,200, less $24,482 homestead market value exclusion
- Electricity and gas$1,649
631 kWh a month $1,109 · 31 therms $539
- Water and sewer$1,134
9 units (CCF) a month on Owatonna Public Utilities: water $36, sewer $53, storm water runoff, single-family dwelling $6 a month
- TrashNot included
Garbage service is arranged with a private hauler; no hauler price is included in the totals
- Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.
A Owatonna house at the typical market value ($245,200) costs about $5,600 a year: $2,810 property tax and charges, $1,130 water and sewer, $1,650 electricity and gas; trash is billed separately, and home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.
Rates checked Oct 28, 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:
Who serves this house
- Water
- Owatonna Public Utilities
- Residential water rates effective 1-1-2026: monthly service charge by meter size plus a commodity charge per CCF, with winter (Nov-May) and summer (Jun-Oct) prices
- Property tax
- 1.28% of value
- 2025 taxes payable, Steele County (Owatonna city, School District 761)
Other MN cities
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How these numbers are made
- Property tax: the rates are the county's payable-2025 rates for Owatonna (county 43.9%, city 58.1%, School District 761 25.5% of tax capacity); payable-2026 rates were not found. Voter-approved school market-value levies are not included.
- Water: monthly charge $19.97 (5/8 inch meter) plus the $1.27 monthly water test fee. Commodity is averaged over the year: 7 winter months and 5 summer months. Sewer usage is billed on winter average water use.
- Electric: $0.124 per kWh with the 5% June-September credit weighted over 12 months. Gas: $1.032 per CCF converted to therms at 1.037 therms per CCF.
- Garbage: the City licenses private haulers and publishes no price, so none is in the totals. The starting home value is the Census median (market).
- Nothing here is legal, tax or insurance advice.
How Owatonna compares
A typical Owatonna house against the 72 Minnesota cities we cover, using the same default numbers as the total above.
| Per year | Owatonna | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.27% | 1.49% | lower than 62 of the other 68 Minnesota cities we cover |
| Water | $427 | $390 | higher than 43 of the other 71 Minnesota cities we cover |
| Sewer and utility-bill fees | $707 | $661 | higher than 42 of the other 71 Minnesota cities we cover |
| Electricity and gas | $1,649 | $2,120 | lower than 66 of the other 71 Minnesota cities we cover |
| Total | $5,597 | $9,629 | lower than 71 of the other 71 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: Owatonna's property tax rate is 1.27%, lower than 62 of the other 68 Minnesota cities we cover. The rate adds up every agency on the bill, not only the city.
Ask: "Property tax in Owatonna is 1.27%, lower than 62 of the other 68 Minnesota cities we cover. What should that money pay for first, and would you change anything about how it is set?"
2. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,649 a year, lower than 66 of the other 71 Minnesota cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $1,649 a year for a typical house, lower than 66 of the other 71 Minnesota cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Owatonna house costs
What is the property tax rate in Owatonna?
About 1.28% of the value before exemptions a year (2025 taxes payable, Steele County (Owatonna city, School District 761)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Owatonna?
About $6,355 a year on $500,000 of the value before exemptions with the homestead market value exclusion.
How much is the water bill in Owatonna?
About $95 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Owatonna Public Utilities.
How much does trash pickup cost in Owatonna?
Garbage service is arranged with a private hauler; no hauler price is included in the totals
How much does a house in Owatonna cost to run each year?
A Owatonna house at the typical market value ($245,200) costs about $5,600 a year: $2,810 property tax and charges, $1,130 water and sewer, $1,650 electricity and gas; trash is billed separately, and home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.