McMinnville, OR · Updated Oct 2026

What a McMinnville 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 McMinnville house

$9,398a year · $783 a month

Starts at $247,491 of value before exemptions. Typical use.

A typical McMinnville house costs about $9,400 a year: $4,410 property tax and charges, $1,450 water and sewer, $390 trash, $2,270 electricity and gas, $890 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

Nothing here applies to every house automatically. These are worth checking:

Pay the property tax in full by November 153% off
Yamhill County gives a 3% discount for paying in full by November 15, or a 2% discount for paying two-thirds of the yearly tax by then. To get a discount on the current year's bill, all delinquent taxes, penalty and interest must be paid.
How: Pay Yamhill County by mail with the envelope provided, by phone or by card or e-check through its payment page, or in the drop box by 11:59 pm on the due date.
Seniors and disabled homeowners: property tax deferral
As a disabled or senior homeowner, you can borrow from the State of Oregon to pay your property taxes to the county.
How: File an application with the county assessor by April 15, or late from April 16 to December 1 with a fee.
NW Natural bill discount15% to 85% off
In Oregon, households with income below 60% of the state median income can get 15% to 85% off their monthly gas bills. No proof of income is required to apply.
How: Fill out the one application; no proof of income is required.

Adjust to match your bills

What you knowTrash cartRates effective September 1, 2025 for weekly curbside pickup; every-other-week and monthly service cost less on the same rate sheet.

Value before exemptionsOregon taxes the assessed value on your statement, which is usually well below what the house would sell for. Enter the assessed value from your tax statement.

Home insurance, a yearFrom your policy. We start at $886, Oregon statewide average for 2023, NAIC data in the Oregon Insurance Commissioner's January 2025 legislative briefing.

Earthquake insurance, a yearSeparate from home insurance. Most owners don't have it.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical house uses 7–12.

Electricity, kWh a month

On your McMinnville Water & Light bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 15in 22 daysProperty tax payments due November 15; paying in full by then takes 3% off, paying two-thirds takes 2% off
Feb 15in 114 daysSecond property tax due date; no statement is mailed for it
Apr 15Senior & disabled property tax deferral applications due to the county assessor (late filing from April 16 to December 1 with a fee)
May 15Third property tax due date; no statement is mailed for it

Who serves this house

Water: McMinnville Water & Light; McMinnville Water & Light, inside city limits, rates effective October 1, 2026: a $16.75 customer charge for a 5/8" or 3/4" meter, $1.7557 per 100 cubic feet for the first 1,000 cubic feet and $2.3874 per 100 cubic feet over 1,000 cubic feet
Property tax: 1.78% of value; 2025-26 tax year, Yamhill County code area 40.0 (City of McMinnville, McMinnville School District 40, McMinnville Fire)
Garbage: Recology Western Oregon; Curbside service under a City of McMinnville franchise agreement
Sewer: City of McMinnville; Sets the residential sanitary sewer user fees (Resolution No. 2026-29)
Electricity: McMinnville Water & Light; Not-for-profit, public power entity
Gas: NW Natural; Rate Schedule 2, single-family residential
Schools: McMinnville School District 40; Code area 40.0 (McMinnville) in Yamhill County is served by S.D. 40 - McMinnville

Pay or manage your bills

Your water

Source: The source of the drinking water is precipitation impounded in McGuire and Haskins Reservoirs, treated at the Norman Scott Water Treatment Plant
Lead: MW&L reports no lead service lines in its water system; the lead 90th percentile was 1.0 ppb (action level 15.0 ppb)

How these numbers are made

Property tax: the 2025-26 Yamhill County consolidated rates for code area 40.0 (City of McMinnville, McMinnville School District 40, McMinnville Fire), $17.8067 per $1,000 of assessed value, because the 2026-27 rate sheet was not yet posted. Oregon has no homestead exemption. Small parts of the city may sit in other code areas (for example the urban renewal area 40.51); the statement's code area is the check.
The starting assessed value ($247,000, rounded by the page) is our estimate: McMinnville's Census median home value ($432,800) times code area 40.0's real property taxable assessed value divided by its real property Measure 5 (market) value (about 0.57), because the county publishes no median assessed value. Your statement's assessed value is the number to use.
Water and electric: McMinnville Water & Light rates effective October 1, 2026 (inside city limits); the first water tier is 1,000 cubic feet = 10 CCF. Electricity starts at 1,230 kWh a month, the usage in MW&L's own electric bill example; the schedule lists no separate riders. Gas: NW Natural Schedule 2 effective October 31, 2025; NW Natural's filing for October 31, 2026 adds about $6.30 a month at 54 therms and is not included. Any McMinnville franchise fee on gas bills was not found and is not added.
Sewer: City of McMinnville Resolution 2026-29. The page applies $6.93 to all water use; the actual charge uses the winter average in most months, so it can be lower. Garbage: the Recology rate sheet adopted for September 1, 2025 (32-gallon cart $31.69 plus $0.67; 90-gallon $52.85 plus $1.11); we did not find a 2026 adjustment.
Not included: the City Services Charge shown on the city utility bill (an amount per month by customer type, not found in an official document we could read), and the 6% franchise fee the city assesses on wastewater revenue. Insurance: the 2023 Oregon statewide average.
Modelling: the water $16.75 and sewer $25.55 fixed charges are treated as monthly charges; sewer is billed with the utility bill.
Nothing here is legal, tax or insurance advice.

Sources

How McMinnville compares

A typical McMinnville house against the 28 Oregon cities we cover, using the same default numbers as the total above.

Per year	McMinnville	Median	Where it falls
Property tax rate	1.78%	1.90%	lower than 18 of the other 27 Oregon cities we cover
Water	$391	$609	lower than 26 of the other 27 Oregon cities we cover
Sewer and utility-bill fees	$1,055	$1,050	higher than 14 of the other 27 Oregon cities we cover
Trash	$388	$454	lower than 15 of the other 22 Oregon cities we cover
Electricity and gas	$2,271	$2,868	lower than 26 of the other 27 Oregon cities we cover
Home insurance	$886	$886	in the middle of 27 other Oregon cities we cover
Total	$9,398	$10,340	lower than 17 of the other 27 Oregon 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 $391 a year at typical use, lower than 26 of the other 27 Oregon cities we cover.

Ask: "Water here costs about $391 a year at typical use, lower than 26 of the other 27 Oregon cities we cover. What drives that cost, and would you change anything?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,271 a year, lower than 26 of the other 27 Oregon cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,271 a year for a typical house, lower than 26 of the other 27 Oregon cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about McMinnville house costs

What is the property tax rate in McMinnville?

About 1.78% of the value before exemptions a year (2025-26 tax year, Yamhill County code area 40.0 (City of McMinnville, McMinnville School District 40, McMinnville Fire)), plus flat charges on the same bill.

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

About $8,903 a year on $500,000 of the value before exemptions.

How much is the water bill in McMinnville?

About $120 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on McMinnville Water & Light.

How much does trash pickup cost in McMinnville?

$32 to $54 a month, depending on the trash cart size (32-gallon cart, weekly curbside, 90-gallon cart, weekly curbside).

When is property tax due in McMinnville?

Nov 15: Property tax payments due November 15; paying in full by then takes 3% off, paying two-thirds takes 2% off Feb 15: Second property tax due date; no statement is mailed for it Apr 15: Senior & disabled property tax deferral applications due to the county assessor (late filing from April 16 to December 1 with a fee)

Can seniors lower their property tax or bills in McMinnville?

Yes. Seniors and disabled homeowners: property tax deferral: As a disabled or senior homeowner, you can borrow from the State of Oregon to pay your property taxes to the county.

How much does a house in McMinnville cost to run each year?

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