What a Cottleville 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.
Starts at $82,726 of value before exemptions. Typical use.
- Property tax$5,188
6.272% of $82,726
- Flat charges on the tax bill$28
Duckett Creek sewer lateral assessment $28
- Electricity and gas$2,357
1011 kWh a month $1,581 · 31 therms $663 · city utility tax $112
- Water and sewer$1,071
5,000 gallons a month on Missouri American Water: water $63, sewer $27 a month
- Trash$396
First solid waste container (recycling container free; yard waste carts extra), $33 a month
- Home insurance$1,872
Typical premium $1,872
A typical Cottleville house costs about $10,900 a year: $5,220 property tax and charges, $1,070 water and sewer, $400 trash, $2,360 electricity and gas, $1,870 home insurance. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 31, 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:
Seniors 62+: County property tax relief credit
St. Charles County residents at least 62 years old and living at the property as of Jan. 1, 2026 can apply for a credit on their tax bill.
How: Apply or renew every year.
Seniors 65+: 10% off city trash
The city lists a senior citizen discount [65+ yoa] of 10% monthly discount on solid waste fees.
How: See the city solid waste fee list.
Money dates
- Dec 31: Real estate tax bills duein 56 daysTax bills are mailed by Dec. 1. Tax payments are due Dec. 31.
- Before Dec 31: Partial paymentsin 56 daysA partial payment before Dec. 31 reduces the late payment interest and penalties.
Who serves this house
- Water
- Missouri American Water
- Fixed charge of $11.00 for monthly customers with a 5/8 or 3/4 inch meter, plus $11.2023 per 1,000 gallons outside St. Louis County.
- Property tax
- 6.27% of value
- 2025 tax year, St. Charles County (Fort Zumwalt R2 school, Cottleville fire district, city of Cottleville)
- Garbage
- City of Cottleville
- City of Cottleville handles solid waste questions.
- Sewer
- Duckett Creek Sanitary District
- Sewer providers by address: Duckett Creek or St. Peters.
- Electricity
- Ameren UE
- Ameren UE and Cuivre River Electric are the electric providers listed by the city.
- Gas
- Spire
- Spire Energy.
Other MO cities
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How these numbers are made
- Property tax: St. Charles County 10/8/2025 combination chart, school district R2 (Fort Zumwalt) with fire district #14 (Cottleville): city 0.2310, common county taxes 0.8222, Fort Zumwalt 4.1262, fire 0.9356, community college 0.1569, per $100 assessed, on 19% of the Census median home value. Parts of Cottleville are in the Francis Howell (R3) school district, so those addresses differ. The 2026 chart was not yet published.
- Water: Missouri American Water outside-St. Louis-County residential rate (fixed $11.00 plus $11.2023 per 1,000 gallons, including WSIRA), at the 4,600 gallons a month the company lists as average. The city also lists St. Peters and Public Water Supply District #2, which serve other addresses.
- Sewer: Duckett Creek basic residential rate of $26.75 per month plus the $28 yearly Duckett Creek charge on the county tax chart; the city also lists St. Peters for some addresses, which has a different sewer rate.
- Trash: City of Cottleville first solid waste container $33.03 a month, billed every other month; recycling container is free.
- Electricity and gas: Ameren Missouri 1(M) and Spire rates as for nearby Dardenne Prairie and St. Peters; Cuivre River Electric serves other addresses. The city's 5% utility tax on Ameren and Laclede (Spire) bills is applied to energy.
- Nothing here is legal, tax or insurance advice.
Common questions about Cottleville house costs
What is the property tax rate in Cottleville?
About 6.27% of the value before exemptions a year (2025 tax year, St. Charles County (Fort Zumwalt R2 school, Cottleville fire district, city of Cottleville)), plus flat charges on the same bill (Duckett Creek sewer lateral assessment $28).
How much is property tax on a $500,000 house in Cottleville?
About $31,388 a year on $500,000 of the value before exemptions, including $28 of flat charges.
How much is the water bill in Cottleville?
About $89 a month for water and sewer at typical use (5,000 gallons a month) on Missouri American Water.
How much does trash pickup cost in Cottleville?
$33 a month for a house.
Can seniors lower their property tax or bills in Cottleville?
Yes. Seniors 62+: County property tax relief credit: St. Charles County residents at least 62 years old and living at the property as of Jan. 1, 2026 can apply for a credit on their tax bill.
How much does a house in Cottleville cost to run each year?
A typical Cottleville house costs about $10,900 a year: $5,220 property tax and charges, $1,070 water and sewer, $400 trash, $2,360 electricity and gas, $1,870 home insurance. Estimated from public rates, not anyone's actual bill.