What a Victoria 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 the typical market value, $555,700; your assessed value is often lower. Typical use.
- Property tax$5,260
1.154% of $555,700, 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$2,070
587.82 kWh a month $1,198 · 61.79 therms $872
- Water and sewer$846
7,000 gallons a month on City of Victoria: water $32, sewer $39 a month
- TrashNot included
Residents contract individually with a garbage hauler licensed by the city
- Home insurance$1,774
Typical premium $1,774
A Victoria house at the typical market value ($555,700) pays about $10,000 a year: $5,260 property tax and charges, $850 water and sewer, $2,070 electricity and gas, $1,770 home insurance; trash is billed separately. 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:
Apply for homestead by December 31
Homestead is for the property you own and occupy as your primary home. 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 to your county assessor by December 31 to qualify for taxes payable the next year; Carver County uses Form CR-H, the Homestead Application.
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% or greater service-connected disability can get a $150,000 market value exclusion; a 100% permanent and total disability rating qualifies for $300,000.
How: The property must have a homestead classification; you must own and occupy it on December 31.
Seniors 65+ with household income of $96,000 or less: defer property taxes
The Senior Citizens Property Tax Deferral caps the tax you pay at 3% of household income; the state pays the rest as a loan, repaid with interest when you sell the home or voluntarily cancel the deferral. You must have owned, lived in and homesteaded the home for the last 5 years, have no reverse mortgage, life estate, tax liens or judgment liens, and other liens must be under 75% of the estimated market value.
How: Apply by November 1 to defer your property taxes the following year.
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.
Pay property tax on time: penalties run 2% to 14%
Carver County adds a penalty the day after the due date, and it increases on the first of each month; the later the payment, the greater the penalty.
How: Mail payments with an official U.S. postmark on or before the due date, or pay online from a checking (not savings) account.
Water-efficient appliance and fixture rebatesUp to $100 per qualifying appliance or toilet
The city's Utility Rebate Program offers up to $100 for an ENERGY STAR certified clothes washer or dishwasher, up to $100 per WaterSense toilet and up to $50 per WaterSense shower head or faucet.
How: Approved rebates are applied as a credit to your city utility bill; see the city's rebate page for the applications.
Money dates
- Nov 1in 9 daysApply for the senior citizens property tax deferral for next year
- Dec 31in 69 daysApply to the county assessor for homestead to qualify for taxes payable next year
- Apr 30, 2027Last day to file with the Minnesota Tax Court to appeal your 2026 valuation and classification (taxes payable in 2027)
- May 15First half of Carver County property tax due
Who serves this house
- Water
- City of Victoria
- Updated rates as of January 1, 2026; billed monthly with the city utility bill
- Property tax
- 1.15% of value
- Tax capacity rates for property in Victoria (Carver County) for 2025, in the City of Victoria 2025 financial statements
- Garbage
- Licensed haulers (open hauling)
- The city uses open hauling: residents make an agreement with a hauler; its utility page lists Republic Services/Randy's Sanitation, Suburban Waste Services and Waste Management under Garbage and Recycle
- Sewer
- City of Victoria
- Billed monthly on the city utility bill
- Electricity
- Xcel Energy
- The city says two electric providers serve Victoria: Minnesota Valley Electric Cooperative and Xcel Energy
- Gas
- CenterPoint Energy
- Listed as the natural gas company on the city's utility services page
Your water
- Service lines
- As of August 30, 2024 the city's inventory lists 3,965 non-lead service lines, 1 lead service line, 2 galvanized lines requiring replacement and 219 of unknown material
Other MN cities
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How these numbers are made
- Water: City of Victoria rates updated January 1, 2026: $10.67 monthly base charge plus the $2.11 monthly meter charge for a 5/8 inch meter ($12.78), then $2.65 per 1,000 gallons to 5,000 gallons, $3.18 to 10,000, $3.82 to 17,000, $5.50 to 25,000 and $6.60 above, treated as monthly breakpoints because the city bills monthly. No typical use is published, so the page starts at 9 CCF.
- Sewer: $15.95 monthly base charge plus $3.42 per 1,000 gallons; the city's higher tiers ($3.76 to $5.00 per 1,000 gallons above 5,000 gallons) are not modeled, so sewer may be understated for high use. Stormwater: the city's rates page lists a $13.86 monthly storm water base charge but does not say it applies to single-family homes, so it is excluded from every total here and the real bill is likely higher. Trash: the city does not bill it; residents hire a licensed hauler, so no trash cost is included.
- Property tax: the city's 2025 financial statements list 30.406% city, 30.934% Carver County, 27.551% School District 112 and 3.456% special districts, a combined 92.347% of tax capacity. Part of Victoria is in School District 110 (Waconia; combined 88.073%); District 112's share of the overlapping school tax base is about four times District 110's, so 112 is used. The calculator removes the homestead market value exclusion and applies the 1.00% class rate (1.25% above $500,000). Referendum market value levies and any assessments for local improvements are not included. The city's property tax page links a list of levied assessments by parcel, so they vary by home. The starting value is the city's $555,700 median home market value.
- Electricity: Xcel Energy's $6.00 monthly charge and the 2024 EIA average Minnesota residential rate; typical use is the EIA average per Xcel residential customer. Minnesota Valley Electric Cooperative also serves part of Victoria and we could not find how many homes each serves. Gas: CenterPoint's $9.50 basic charge plus the $3.00 monthly Victoria franchise fee, and the per-therm delivery, cost-of-gas and rider charges; typical use is the EIA Minnesota residential average.
- Insurance: the 2022 NAIC statewide average premium for Minnesota (HO-3); it is probably out of date and low.
- Nothing here is legal, tax or insurance advice.
- Minnesota Department of Revenue: Homestead Market Value Exclusion
- Minnesota Department of Revenue: Module 3, Classification of Property
- Carver County: Homestead information (archived August 2026)
- EIA: 2024 utility bundled retail sales, residential (Table 6)
- Xcel Energy Minnesota Residential Electrical Prices
- Xcel Energy Minnesota Electric Rate Book, Section 4
- CenterPoint Energy 2026 Minnesota tariff book
- EIA: Minnesota natural gas consumption by end use
- EIA: Minnesota natural gas consumers
- Xcel Energy Minnesota Electric Rate Book, Section 3: Service Area
- Insurance Information Institute: Homeowners and renters insurance facts (NAIC data)
- Minnesota Department of Revenue: Homestead classification
- Minnesota Department of Revenue: Property Tax Refund
- Minnesota Department of Revenue: Filing for a Property Tax Refund
- Minnesota Department of Revenue: Market value exclusion for veterans with a disability
- Minnesota Department of Revenue: Senior Citizens Property Tax Deferral
- Carver County: Penalty rates (archived May 2026)
- Carver County: Timeline for property taxes (archived May 2026)
- City of Victoria: Garbage Service
- City of Victoria: Utility Services
- City of Victoria: Water and Sewer Services
- City of Victoria: Utility Rates
- City of Victoria: Water Services
- City of Victoria 2025 financial statements
- City of Victoria: Property Taxes
- Xcel Energy: Minnesota communities served
- City of Victoria: Utility Rebate Programs
How Victoria compares
A typical Victoria house against the 35 Minnesota cities we cover, using the same default numbers as the total above.
| Per year | Victoria | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.15% | 1.49% | lower than 33 of the other 33 Minnesota cities we cover |
| Water | $378 | $339 | higher than 20 of the other 34 Minnesota cities we cover |
| Sewer and utility-bill fees | $468 | $621 | lower than 29 of the other 34 Minnesota cities we cover |
| Electricity and gas | $2,070 | $2,150 | lower than 23 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 | $9,950 | $9,536 | higher than 22 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. Property tax rate
The fact: Victoria's property tax rate is 1.15%, lower than 33 of the other 33 Minnesota cities we cover. The rate adds up every agency on the bill, not only the city.
Ask: "Property tax in Victoria is 1.15%, lower than 33 of the other 33 Minnesota cities we cover. What should that money pay for first, and would you change anything about how it is set?"
2. Sewer and utility-bill fees
The fact: Sewer and flat utility-bill charges here come to about $468 a year, lower than 29 of the other 34 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 $468 a year, lower than 29 of the other 34 Minnesota cities we cover. What drives that cost, and would you change anything?"
Common questions about Victoria house costs
What is the property tax rate in Victoria?
About 1.15% of the value before exemptions a year (Tax capacity rates for property in Victoria (Carver County) for 2025, in the City of Victoria 2025 financial statements), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Victoria?
About $4,603 a year on $500,000 of the value before exemptions with the homestead market value exclusion.
How much is the water bill in Victoria?
About $71 a month for water and sewer at typical use (7,000 gallons a month) on City of Victoria.
How much does trash pickup cost in Victoria?
Residents contract individually with a garbage hauler licensed by the city
When is property tax due in Victoria?
May 15: First half of Carver County property tax due Aug 15: Minnesota property tax refund (Form M1PR) due; you may still file up to one year late Oct 15: Second half of property tax due; you pay it with the statement mailed in March
Can seniors lower their property tax or bills in Victoria?
Yes. Seniors 65+ with household income of $96,000 or less: defer property taxes: The Senior Citizens Property Tax Deferral caps the tax you pay at 3% of household income; the state pays the rest as a loan, repaid with interest when you sell the home or voluntarily cancel the deferral. You must have owned, lived in and homesteaded the home for the last 5 years, have no reverse mortgage, life estate, tax liens or judgment liens, and other liens must be under 75% of the estimated market value.
Where can I get help paying utility bills in Victoria?
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 Victoria cost to run each year?
A Victoria house at the typical market value ($555,700) pays about $10,000 a year: $5,260 property tax and charges, $850 water and sewer, $2,070 electricity and gas, $1,770 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.