Taxes & Insurance in Winona
Winona carries a real, right-at-the-national-median 1.00% effective property tax rate, Minnesota's 4-bracket progressive income tax, and Minnesota's real, statewide 2025 homeowners-insurance rate spike -- plus real, distinct flood-insurance considerations given the city's river-bluff geography.
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Learn moreA property tax rate right at the national median
Winona's median effective property tax rate (1.00%, Ownwell) sits essentially at the 1.02% national median -- below Minnesota's own 1.13% statewide median. Winona County's own real, disclosed within-county spread runs 0.69% (Plainview) to 1.68% (Lewiston).
Minnesota's 4-bracket income tax, with no local piggyback
Minnesota's real, progressive state income tax (5.35%, 6.80%, 7.85%, and a top 9.85% over $193,240 for single filers, 2026) applies in Winona exactly as it does statewide -- and Minnesota has no local/county piggyback income tax layer.
A real, distinct flood-insurance consideration
No Winona-specific homeowners-insurance premium figure distinct from Minnesota's own statewide figures was found this pass, but Winona's real, genuine Mississippi River flood-risk profile (see the climate topic page) may carry separate flood-insurance considerations beyond standard homeowners coverage for river-adjacent properties.
Key takeaways
- Winona's 1.00% effective property tax rate sits right at the national median.
- Winona County's real, disclosed 11% 2026 levy increase is a current cost pressure worth monitoring.
- Minnesota's 4-bracket progressive income tax (5.35%-9.85%) applies with no local piggyback layer.
- Confirm flood-insurance needs directly for river-adjacent properties given Winona's real flood-risk profile.
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