What a St. Cloud 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 $225,000 of home value. Typical use.
- Property tax$2,320
About 1.03% of home value (Census average for St. Cloud, not your bill's rate)
- Electricity and gas$2,335
587.82 kWh a month $1,198 · 71 therms $1,047 · franchise fee (passed through by Xcel) $90
- Water and sewer$1,217
9 units (CCF) a month on City of St. Cloud: water $47, sewer $44, stormwater utility fee (single-family home, minimum 1.0 unit area; varies with parcel area and property type) $11 a month
- Trash$513
95-gal cart, $43 a month
- Home insurance$1,774
Typical premium $1,774
A typical St. Cloud house pays about $8,200 a year: $2,320 property tax and charges, $1,220 water and sewer, $510 trash, $2,330 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
One change saves this house about $30 a year:
Bring water use down to 4 units
$30 a yearAbove 4 units a month, City of St. Cloud charges $4.75 a unit instead of $4.25.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.
Worth checking
Garbage bags instead of a cart$2.25 per bag
The City sells 30-gallon City garbage bags at $2.25 each; a pass-by fee still applies on the utility bill.
How: Buy 10-bag packages; bag service is an alternative to the weekly 90-gallon cart.
Money dates
- Aug 15Minnesota property tax refund due; you may file up to one year after the due date
- Due date on each utility billCity utility bill: a penalty of $20.00 or 7.5% of the balance, whichever is greater, is added if not paid by the due date
- Odd months (north side) / even months (south side)City utilities are billed bi-monthly: north side in odd months, south side in even months
Who serves this house
- Water
- City of St. Cloud
- City of St. Cloud, billed every two months: $18.00 fixed charge plus 1 unit (100 cubic feet) blocks
- Property tax
- About 1.03% of home value
- Census ACS 2020–2024 (5-year) median taxes paid and median home value
- Garbage
- City of St. Cloud
- City garbage, recycling and yard waste service for single-family, duplex and triplex homes; cart service or City green bags; billed on the bi-monthly city utility bill
- Sewer
- City of St. Cloud
- Billed on the bi-monthly city utility bill by water use
- Electricity
- Xcel Energy
- St. Cloud is listed as served with both electricity and gas
- Gas
- Xcel Energy
- St. Cloud is listed as served with both electricity and gas
Your water
- Source
- The City draws its drinking water from the Mississippi River; treatment includes lime softening, ozonation and carbon filtration
- Service lines
- As of 11/17/2025: 0 lead, 1,085 galvanized requiring replacement, 878 unknown material, and 16,986 non-lead service lines
- PFAS
- PFOS 0.62 ppt and PFOA 0.57 ppt detected (2022 samples), against a 4.0 ppt limit
Other MN cities
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How these numbers are made
- Water: City of St. Cloud 2026 rates: $18.00 fixed every two months ($9.00 a month) plus the state Safe Drinking Water fee of $15.22 a year; tiers of 1–4, 5–8 and over 8 units per two months are shown as per-month breakpoints (2 and 4 units) at $2.00, $4.25 and $4.75 per 100 cubic feet.
- Sewer: $4.90 per 100 cubic feet of water; the $19.56 per-bill minimum is not added because typical use exceeds it. Stormwater: $9.80 monthly fixed charge plus $1.00 for the 1.0 minimum unit area of a single-family parcel under 10,000 sq ft; larger lots pay $1.00 more for each extra 0.1 unit of 1,000 sq ft per the formula.
- Garbage: $32.50 cart fee plus $9.30 pass-by fee with the 9.75% solid waste tax on the pass-by fee. Street light fees also appear on the utility bill; the city does not publish a residential amount in the sources used, so none is included.
- Property tax: Stearns County's 2026 rates are only in an interactive estimator, so the rate is Census ACS 2020–2024 median real estate taxes paid ($2,320) divided by median home value ($225,000); it already reflects the homestead class rate and exclusion and predates the city's 2026 levy increase.
- Electricity and gas: Xcel Energy; electric per-kWh uses the EIA 2024 Minnesota average price net of the basic charge; gas is a straight line through Xcel's published average bills at 10 and 300 therms. The franchise fee is modeled as 4% on the whole energy bill though gas is 1.5% (Nov–Apr) for heating customers.
- Typical use: 587.8 kWh (EIA 2024 Xcel Minnesota residential average) and 71 therms (Xcel's stated typical residential customer). Insurance: 2022 NAIC statewide average premium for Minnesota (HO-3).
- Nothing here is legal, tax or insurance advice.
- St. Cloud 2026 Public Utilities Fee Schedule
- St. Cloud Utility Rates & Billing Information (Summary)
- St. Cloud Garbage Collection
- St. Cloud Drinking Water Report
- Census ACS 2024 5-year, St. Cloud: median value and median real estate taxes
- MN Revenue: Solid Waste Management Tax
- MN Revenue: Homestead
- MN Revenue: Classification of property
- MN Revenue: Filing for a Property Tax Refund
- Xcel Energy Minnesota communities served
- Xcel Energy residential electric rates
- Xcel Energy electric franchise fees
- Xcel Energy gas franchise fees
- Xcel Energy 2026 gas average bills
- EIA 2024 residential sales by utility (Table 6)
- Insurance Information Institute: homeowners insurance
Common questions about St. Cloud house costs
What is the property tax rate in St. Cloud?
Property tax in St. Cloud averages about 1.03% of home value a year (Census figures for the city; your own rate depends on your property's classification and exemptions).
How much is the water bill in St. Cloud?
About $101 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of St. Cloud.
How much does trash pickup cost in St. Cloud?
$43 a month for a house.
When is property tax due in St. Cloud?
Aug 15: Minnesota property tax refund due; you may file up to one year after the due date
How much does a house in St. Cloud cost to run each year?
A typical St. Cloud house pays about $8,200 a year: $2,320 property tax and charges, $1,220 water and sewer, $510 trash, $2,330 electricity and gas, $1,770 home insurance. Estimated from public rates, not anyone's actual bill.