White Bear Lake, Washington County, Minnesota Property Taxes

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Property Taxes in White Bear Lake, Minnesota

Median White Bear Lake, Minnesota effective property tax rate: 1.07%, significantly lower than the national median of 1.02%, and higher than the Minnesota state median of 1.13%.
Median White Bear Lake, Minnesota home value: $19,300
Median annual White Bear Lake, Minnesota tax bill: $206, $2,194 lower than the national median property tax bill of $2,400.

How are property taxes in Washington calculated?

Property taxes in White Bear Lake, Minnesota are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding White Bear Lake's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in White Bear Lake, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

White Bear Lake, Washington County, Minnesota Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.07%

Estimate Property Tax Bill

$207

$192

How Does the White Bear Lake Property Tax Calculator Work?

Use this White Bear Lake property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies White Bear Lake's median effective tax rate of 1.07% — based on actual property records in Washington County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies White Bear Lake's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within White Bear Lake: rates range from 1.07% in 55110 to 1.07% in 55110, primarily due to differences in school district levies and local assessment districts.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across White Bear Lake.

About White Bear Lake Property Taxes

About Property Taxes in White Bear Lake, Washington, Minnesota

White Bear Lake’s median effective property tax rate of 1.07% is lower than the Minnesota state median of 1.13% and higher than the national median of 1.02%. This rate reflects the Washington County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.

Property tax rates are not uniform across White Bear Lake. Homeowners in the 55110 ZIP code carry a median effective rate of 1.07%, while those in the lowest ZIP code pay 1.07%. This spread reflects how school district boundaries and local assessment districts are drawn across Washington County. Understanding which part of White Bear Lake you live in can make a meaningful difference to your annual tax bill.

White Bear Lake homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the April 30, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across White Bear Lake, Washington County, Minnesota

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare White Bear Lake's effective property tax rate to other cities in Minnesota and the median property tax rates in Minnesota and the U.S.

Property Tax Rates Across White Bear Lake, Washington County, Minnesota

Source: Ownwell

0.81%

1.12%

1.44%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective White Bear Lake Tax Rate

1.07%

Median Effective Washington County Tax Rate

1.17%

Median Effective Minnesota Tax Rate

1.13%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across White Bear Lake, Washington County, Minnesota

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
55110	0.92%	1.04%	1.07%	1.10%	1.29%

Source: Ownwell

Property Tax Assessment Values Across White Bear Lake, Washington County, Minnesota

When examining property taxes in White Bear Lake, Minnesota, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Washington County assessor estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Washington County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the spring.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in White Bear Lake.

For example, the median home price in White Bear Lake is $19,300, with tax bills ranging significantly across the county. 55110 has the highest median home price at $19,300.

Property Tax Assessment Values Across White Bear Lake, Washington County, Minnesota

Source: Ownwell

$19,300

$316,100

$612,900

Median White Bear Lake Market Value

$19,300

Median Washington County Market Value

$386,900

Median Minnesota Market Value

$304,400

Median United States Market Value

$235,294

Property Tax Assessment Values Across White Bear Lake, Washington County, Minnesota

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
55110	$2,220	$4,350	$19,300	$264,400	$505,420

Source: Ownwell

Property Tax Bills Across White Bear Lake, Washington County, Minnesota

Property tax bills in White Bear Lake are calculated by applying the local tax rate to a home’s assessed market value, then adjusting for local levies and any exemptions that may apply. The assessed value is the starting point, and homeowners with higher-valued properties generally face larger bills. In White Bear Lake, the median home price is $19,300, which helps explain why many tax bills are relatively modest compared with the national median property tax bill of $2,400.

What a homeowner pays can vary widely across the city. The 25th percentile tax bill is $49, while the 75th percentile reaches $2,968 and the 90th percentile climbs to $5,281. That spread shows how property taxes can differ based on home value and neighborhood-level assessments. In ZIP code 55110, the highest and lowest median tax bill is $206.00. For homeowners, these calculations directly affect annual housing costs and can influence affordability, especially when assessed values rise.

Property Tax Bills Across White Bear Lake, Washington County, Minnesota

Source: Ownwell

$206

$3,067

$5,927

Median White Bear Lake Tax Bill

$206

Median Washington County Tax Bill

$4,446

Median Minnesota Tax Bill

$3,364

Median United States Tax Bill

$2,400

Property Tax Bills Across White Bear Lake, Washington County, Minnesota

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
55110	$27	$49	$206	$2,968	$5,281

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	April 30

Links
Washington Tax Assessor
Website	mn-washington.manatron.com

Frequently Asked Property Tax Questions in White Bear Lake, Minnesota

How are property taxes calculated in White Bear Lake, Minnesota?

Property taxes in White Bear Lake, Minnesota are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in White Bear Lake, Minnesota?

To appeal your property taxes in White Bear Lake, Minnesota, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in White Bear Lake, Minnesota?

Common property tax exemptions in White Bear Lake, Minnesota include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in White Bear Lake, Minnesota?

Property tax deadlines in White Bear Lake, Minnesota vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in White Bear Lake, Minnesota?

Ownwell provides professional property tax appeal services in White Bear Lake, Minnesota. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.