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Updated 2025 Tax Year

Chisago County
Property Tax Guide

Everything you need to know about property taxes in Chisago County, MN. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.7% to 3.1% of market value, varies by township/city and school district
1st Due
May 15
2nd Due
Oct 15
Exemptions
4+ Available
Section 1

How Property Tax Works

Chisago County, Minnesota operates on a property tax system that funds essential local services including schools, county government, townships, and special districts. Property taxes are the primary revenue source for these governmental entities, supporting everything from road maintenance and public safety to education and parks. The county assesses all real property annually based on estimated market value as of January 2nd each year.

Effective property tax rates in Chisago County typically range from approximately 1.7% to 3.1% of market value, depending on your specific location within the county. These variations occur because property owners pay taxes to multiple overlapping jurisdictions, including the county, school districts, townships or cities, and various special taxing districts. For example, Chisago Lake Township has a significantly lower rate at 17.776% of the state's base rate calculation, while Fish Lake Township carries a higher rate at 30.689%. Your actual tax rate depends on the specific combination of taxing jurisdictions where your property is located.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
County General LevyVaries by townshipFunds county operations, courts, sheriff, social services
School District LevyVaries by districtLocal school funding, bonds, and special programs
Township/City Levy17.776% - 30.689%Municipal services, roads, fire protection
Watershed DistrictVariableWater management and environmental protection
Special AssessmentsProperty-specificLocal improvements, utilities, bonds

Rates shown are for the 2025 levy year and are expressed as percentages of the state's calculated tax capacity. Actual dollar amounts depend on your property's assessed value and the specific combination of taxing districts that serve your location. Properties in Amador Township, Chisago Lake Township, and Fish Lake Township will see different total rates due to varying local levy amounts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Chisago County, property taxes are due in two installments:

First Installment
May 15
Delinquent after Dec 10
Second Installment
Oct 15
Delinquent after Apr 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Chisago County are additional property tax bills issued when there are changes to property ownership, new construction, or improvements that increase the assessed value after the annual assessment date of January 2nd. These supplemental assessments ensure that property taxes are current and reflect the actual use and value of property throughout the tax year.

Common triggers for supplemental taxes include: purchasing a newly constructed home, completing major renovations or additions, converting property use (such as agricultural to residential), or when the county discovers previously unassessed improvements. The supplemental tax is calculated by applying the current tax rate to the difference between the new assessed value and the previous assessed value, prorated for the remaining months in the tax year. For example, if you purchase a new $400,000 home in July that wasn't previously assessed, you would receive a supplemental bill for roughly half the annual tax amount (6 months remaining in the tax year) in addition to any taxes already assessed on the vacant land.

Example Calculation

Example 1: $300,000 Home in Chisago Lake Township

  • Market Value: $300,000
  • Homestead Credit Applied: Limits assessment increases to 3% annually
  • Net Taxable Value: ~$300,000 (first year homestead)
  • Effective Tax Rate: ~1.8% (17.776% township rate)
  • Annual Tax: ~$5,400
  • Monthly Escrow: ~$450

Example 2: $600,000 Home in Fish Lake Township

  • Market Value: $600,000
  • Homestead Credit Applied: Assessment increase limitation
  • Net Taxable Value: ~$600,000
  • Effective Tax Rate: ~3.1% (30.689% township rate)
  • Annual Tax: ~$18,600
  • Monthly Escrow: ~$1,550

Example 3: $1,000,000 Home in Amador Township

  • Market Value: $1,000,000
  • Homestead Credit Applied: Caps annual assessment growth
  • Net Taxable Value: ~$1,000,000
  • Effective Tax Rate: ~2.6% (25.893% township rate)
  • Annual Tax: ~$26,000
  • Monthly Escrow: ~$2,167

Note: All tax credits require annual application and approval. Rates are estimates based on 2025 levy data and actual taxes may vary based on specific taxing districts and approved credits.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Chisago County require borrowers to maintain an escrow account for property tax payments, especially when the loan-to-value ratio exceeds 80%. Your lender collects monthly escrow payments along with your mortgage payment, then pays your property taxes directly to the county when they become due. The lender typically collects 1/12th of your estimated annual tax bill each month, plus a cushion amount to cover potential increases.

Chisago County sends tax statements directly to your mortgage servicer when you have an escrow account, though you should still receive copies for your records. Your lender will pay the first half by August 31st and the second half by November 15th for taxes over $100, or the full amount by May 15th for taxes under $100. You can verify these payments were made by checking the county's online payment system or contacting the Treasurer's office. If you pay off your mortgage or refinance, you'll need to transition to making direct payments to the county and should contact them immediately to update your mailing information.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Chisago County for 2025? A: Taxes under $100 must be paid in full by May 15th. Taxes over $100 can be split into two payments: first half due August 31st, second half due November 15th.

Q: What tax credits are available and do I need to apply? A: The primary credit is the Homestead Credit, which requires annual application and limits how much your assessed value can increase each year (typically 3% for residential homestead property). You must apply at the Chisago County Government Center at 313 N Main St, Center City. Additional credits may be available for seniors, veterans, or disabled persons - all require separate applications.

Q: How does the Homestead Credit work? A: The Homestead Credit doesn't reduce your property's market value, but rather caps how much your taxable assessment can increase annually, typically to 3%. This provides tax stability as property values rise. You must file annually and the property must be your primary residence as of January 2nd.

Q: When does the county assess properties and how do I appeal? A: Properties are assessed annually based on market value as of January 2nd. Assessment notices are typically mailed in March. You can appeal to the County Board of Appeal and Equalization, usually meeting in June. Contact the Assessor's office for specific dates and procedures.

Q: What are the penalties for late payment? A: Penalties and interest begin accruing on January 1st following the tax year for any unpaid amounts. Contact the County Treasurer for current penalty rates and payment options if you're behind on taxes.

Q: Can I pay my property taxes online? A: Yes, Chisago County typically offers online payment options through their official website. Check the county's website for accepted payment methods, convenience fees, and payment processing times.

Q: Why do property tax rates vary within Chisago County? A: Different areas are served by different combinations of school districts, townships, watershed districts, and special taxing districts. These overlapping jurisdictions each set their own levy amounts, creating the total tax rate for your specific location.

Q: What if I receive a supplemental tax bill? A: Supplemental bills are issued for new construction, ownership changes, or improvements discovered after January 2nd. These are legitimate additional taxes for the current year and have the same penalty structure as regular taxes if not paid by the due date.

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