Plymouth, MN · Updated Oct 2026

What a Plymouth 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 Plymouth house

$11,598a year · $966 a month

Starts at $550,000 of value before exemptions. Typical use.

Property tax$6,577
1.417% of $550,000, less $0 homestead market value exclusion and less $500,000 the 1.25% class rate applies only to market value above $500,000
Electricity and gas$2,102
587.82 kWh a month $1,223 · 61.79 therms $878
Water and sewer$1,145
7,000 gallons a month on City of Plymouth: water $25, sewer $48, surface water (residential) $10, recycling (solid waste fee) $8, organics recycling (mandated charge for all plymouth households, excluding apartments) $4 a month
TrashNot included
The City of Plymouth does not provide garbage services; residents set up their own service with a licensed hauler
Home insurance$1,774
Typical premium $1,774

A typical Plymouth house costs about $11,600 a year: $6,580 property tax and charges, $1,150 water and sewer, $2,100 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.
Take yard waste to the city Yard Waste Site at no charge
The Plymouth Yard Waste Site is available to Plymouth residents at no charge; curbside yard waste service from your hauler may have an additional fee.
How: The site is at the Plymouth Maintenance Facility campus, 14900 23rd Avenue North.
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).
Avoid the 10% late fee on the utility bill
Plymouth adds a late fee of 10% of the current amount billed to utility payments received after the due date.
How: Sign up for auto-pay bank drafting, which takes the payment from your checking or savings account on each billing due date.

Money dates

Nov 30in 37 daysPenalty abatement application due for late second-half property taxes (current-year taxes only)
Dec 31in 68 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 Plymouth; City of Plymouth 2026 rates; residential customers are billed every other month on the city utility bill
Property tax: 1.42% of value; 2026 taxes payable, Hennepin County (Plymouth, Wayzata schools ISD 284, Bassett Creek watershed)
Garbage: Licensed private haulers; The City of Plymouth does not provide garbage services; residents set up their own service with a licensed hauler. Republic Services collects recycling every other week under a city contract, paid on the city utility bill
Sewer: City of Plymouth; Billed every other month on the city utility bill; residential sewer volume is based on water used in the December–February billing
Electricity: Xcel Energy; Plymouth is on Xcel Energy's list of Minnesota communities it serves with electricity; the City's utility billing page also links to Wright-Hennepin Cooperative Electric Association
Gas: CenterPoint Energy; Plymouth is on CenterPoint Energy's list of Minnesota communities it serves
Schools: Wayzata Public Schools (ISD 284); Hennepin County's 2026 rate cards list Plymouth tax areas in the Wayzata (284), Robbinsdale (281), Osseo (279) and Hopkins (270) school districts

Pay or manage your bills

Your water

Source: Groundwater from seventeen wells 302 to 473 feet deep in the Prairie Du Chien-Jordan, Prairie Du Chien Group and Jordan aquifers
PFAS: In 2025 monitoring, PFOS was 0.87 ppt at most and PFOA 0.83 ppt at most (EPA limit 4.0 ppt for each)
Service lines: As of 01/05/2026, the inventory contains 0 lead, 0 galvanized requiring replacement, 3,857 unknown material and 21,199 non-lead service lines
Copper: At customer taps (10/18/24), the 90th-percentile copper result was 1.23 ppm (action level 1.3 ppm); 1 of 30 homes had a high level

Other MN cities

Apple Valley home costs Cottage Grove home costs Edina home costs Farmington home costs Lakeville home costs Little Falls home costs Maple Grove home costs Shoreview home costs Vadnais Heights home costs Woodbury home costs Andover home costs Shakopee home costs Champlin home costs Eagan home costs Otsego home costs Fairmont home costs Rochester home costs Chanhassen home costs Maplewood home costs St. Michael home costs Inver Grove Heights home costs Forest Lake home costs Chaska home costs Burnsville home costs North Branch home costs Stillwater home costs Roseville home costs Buffalo home costs Victoria home costs Oakdale home costs Rosemount home costs Blaine home costs Hermantown home costs Columbia Heights home costs St. Cloud home costs Dayton home costs Elk River home costs New Brighton home costs Savage home costs Eden Prairie home costs Little Canada home costs North St. Paul home costs Mankato home costs Rogers home costs Anoka home costs East Bethel home costs Coon Rapids home costs Brooklyn Center home costs Crystal home costs Hutchinson home costs Richfield home costs Brooklyn Park home costs Moorhead home costs Faribault home costs New Hope home costs Waconia home costs Northfield home costs

How these numbers are made

Water: City of Plymouth rates for services in 2026: the $6.25 monthly base charge plus the $3.37 monthly water availability charge ($9.62 a month), then $2.25 per 1,000 gallons up to 12,500 gallons, $2.83 from 12,501 to 35,000 gallons and $4.87 above. The rates page does not say whether the tier limits apply per month or per two-month bill; the calculator applies them per month, which matters only for very high use. Plymouth bills homes every other month; the calculator shows monthly figures. We found no published typical household use, so the page starts at 9 CCF (about 6,700 gallons) a month.
Sewer: $9.70 a month plus $5.70 per 1,000 gallons. Plymouth bills residential sewer volume on the water used in the December–February billing, not on each bill's water 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. Surface water ($10.03 a month, residential) is added as a utility fee.
Garbage: Plymouth does not provide or contract residential trash service; households hire a licensed hauler, whose price is not included. Two city recycling fees on the utility bill are counted: the $8.25 a month solid waste (recycling) fee from the 2026 rates page (the city's curbside recycling page still shows an older $4.25 figure) and the organics fee, which all households pay whether or not they have a cart, at $4.33 a month (the price at 20% participation, current as of Jan. 1, 2026; it is reset twice a year). We found no street lighting rate on the 2026 rates page, so none is counted.
Property tax: Hennepin County's final 2026 payable rates for the largest Plymouth tax area by tax capacity (city 40, Wayzata schools ISD 284, Bassett Creek watershed): 97.335% of tax capacity plus 0.20033% 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 97.335% tax capacity rate, adds a further 0.25% x 97.335% on value above $500,000 (the 1.25% class rate), and adds 0.20033% of the full value for the referendum levies, which the exclusion does not reduce. At the $550,000 median the exclusion is zero and the tax is about $6,577; at $400,000 about $4,592; at $700,000 about $8,702. If you untick that you live in the house, the exclusion is dropped. By Hennepin County's 2026 assessment report, 11,897 Plymouth single-family parcels are in the Wayzata school district, 3,971 in Robbinsdale, 2,145 in Osseo and 150 in Hopkins. Homes in the Robbinsdale (ISD 281), Osseo (ISD 279) or Hopkins (ISD 270) school districts or the Elm Creek, Minnehaha Creek or Shingle Creek watersheds pay somewhat different rates (total tax capacity rates of 96.540% to 101.840% on the county's Plymouth rate cards).
Electricity: Xcel Energy's $6.00 basic service charge plus the $2.12 monthly Plymouth residential franchise fee listed in Xcel's tariff ($8.12), 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's utility page also links to Wright-Hennepin Cooperative Electric Association; homes it serves pay its own rates.
Gas: CenterPoint Energy's $9.50 basic charge plus the $3.53 monthly Plymouth residential franchise fee in CenterPoint's tariff ($13.03); 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.

Sources

How Plymouth compares

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

Per year	Plymouth	Median	Where it falls
Property tax rate	1.42%	1.50%	lower than 37 of the other 55 Minnesota cities we cover
Water	$297	$368	lower than 43 of the other 57 Minnesota cities we cover
Sewer and utility-bill fees	$848	$637	higher than 51 of the other 57 Minnesota cities we cover
Electricity and gas	$2,102	$2,109	lower than 29 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	$11,598	$9,677	higher than 55 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. Water

The fact: Water here costs about $297 a year at typical use, lower than 43 of the other 57 Minnesota cities we cover.

Ask: "Water here costs about $297 a year at typical use, lower than 43 of the other 57 Minnesota cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $848 a year, higher than 51 of the other 57 Minnesota cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $848 a year, higher than 51 of the other 57 Minnesota cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Plymouth house costs

What is the property tax rate in Plymouth?

About 1.42% of the value before exemptions a year (2026 taxes payable, Hennepin County (Plymouth, Wayzata schools ISD 284, Bassett Creek watershed)), plus flat charges on the same bill.

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

About $5,853 a year on $500,000 of the value before exemptions with the homestead market value exclusion.

How much is the water bill in Plymouth?

About $95 a month for water and sewer at typical use (7,000 gallons a month) on City of Plymouth.

How much does trash pickup cost in Plymouth?

The City of Plymouth does not provide garbage services; residents set up their own service with a licensed hauler

When is property tax due in Plymouth?

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 Plymouth?

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 Plymouth cost to run each year?

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