What a Waconia 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, $450,300; your assessed value is often lower. Typical use.
- Property tax$4,690
1.320% of $450,300, less $6,023 homestead market value exclusion and less $500,000 the 1.25% class rate applies only to market value above $500,000
- Electricity and gas$2,094
587.82 kWh a month $1,198 · 61.79 therms $896
- Water and sewer$1,441
7,000 gallons a month on City of Waconia: water $30, sewer $58, stormwater (single-family) $27, street lights (single-family) $4, state surcharge $1 a month
- TrashNot included
Trash is not among the city utility services: water, wastewater, stormwater and streetlight
- Home insurance$1,774
Typical premium $1,774
A Waconia house at the typical market value ($450,300) pays about $10,000 a year: $4,690 property tax and charges, $1,440 water and sewer, $2,090 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.
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 Waconia
- 2026 utility billing rates; billed monthly
- Property tax
- 1.32% of value
- Tax capacity rates for property in Waconia (Carver County) for 2025, in the City of Waconia 2025 annual comprehensive financial report
- Garbage
- Private haulers
- The city licenses refuse and recycling collection
- Sewer
- City of Waconia
- Billed monthly on the city utility bill
- Electricity
- Xcel Energy
- Waconia is on Xcel's list of Minnesota communities with electric service
- Gas
- CenterPoint Energy
- CenterPoint's tariff lists Waconia among the Minnesota communities it serves
- Schools
- Waconia Public Schools (ISD 110)
- Carver County tax rates list School District #110 for the city
Your water
- Source
- The city's drinking water comes from a groundwater source: four wells ranging from 345 to 735 feet deep, drawing from the Mt. Simon and Quaternary Buried Artesian aquifers
- Lead
- In the 9/1/23 lead and copper tests at customers' taps, 0 out of 30 homes had high lead levels, with no violation
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How these numbers are made
- Water: City of Waconia 2026 rates: $8.15 monthly base, then $3.05 per 1,000 gallons to 3,000, $3.40 to 6,000, $3.95 to 12,000 and $4.45 above (the summer 30,000-gallon-plus tier at $7.00 is not modeled). No typical use is published, so the page starts at 9 CCF.
- Sewer: $17.50 monthly base plus the first-tier $6.00 per 1,000 gallons; the city's higher sewer tiers ($6.60, $7.75 and $8.50) are not modeled, so sewer may be understated for high use. Stormwater $27.00, street lights $3.50 and the $1.27 state surcharge are flat monthly charges for a single-family home. Trash: not on the city bill; residents hire a licensed hauler, so no trash cost is included.
- Property tax: the city's 2025 annual report lists 48.173% city, 23.278% School District #110, 30.934% Carver County and 3.182% other, a combined 105.567% of tax capacity. The calculator removes the homestead market value exclusion and applies the 1.00% class rate (1.25% above $500,000). Referendum market value levies are not included. The starting value is the city's $450,300 average-valued home.
- Electricity: the per-kWh rate is Xcel Minnesota's 2024 EIA residential revenue per kWh (16.98¢) with the $6.00 monthly charge taken out (15.96¢). 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. Gas: CenterPoint's $9.50 basic charge plus the $5.00 monthly Waconia 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 Waconia: Utility Billing Rates
- City of Waconia: Services Billed by the City
- City of Waconia: Utility Billing
- City of Waconia 2025 annual comprehensive financial report
- City of Waconia 2026 budget
- City of Waconia 2024 Consumer Confidence Report
- City of Waconia fee schedule
- City of Waconia: Licensing
- Xcel Energy: Minnesota communities served
Common questions about Waconia house costs
What is the property tax rate in Waconia?
About 1.32% of the value before exemptions a year (Tax capacity rates for property in Waconia (Carver County) for 2025, in the City of Waconia 2025 annual comprehensive financial report), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Waconia?
About $5,262 a year on $500,000 of the value before exemptions with the homestead market value exclusion.
How much is the water bill in Waconia?
About $120 a month for water and sewer at typical use (7,000 gallons a month) on City of Waconia.
How much does trash pickup cost in Waconia?
Trash is not among the city utility services: water, wastewater, stormwater and streetlight
When is property tax due in Waconia?
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 Waconia?
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 Waconia?
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 Waconia cost to run each year?
A Waconia house at the typical market value ($450,300) pays about $10,000 a year: $4,690 property tax and charges, $1,440 water and sewer, $2,090 electricity and gas, $1,770 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.