Crestwood, MO · Updated Oct 2026

What a Crestwood 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 Crestwood house

$10,705a year · $892 a month

Starts at the typical market value, $60,724; your assessed value is often lower. Typical use.

A Crestwood house at the typical market value ($60,724) costs about $10,700 a year: $4,120 property tax and charges, $2,230 water and sewer, $290 trash, $2,190 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:

Money dates

Dec 31: Real estate taxes duein 57 daysProperty taxes must be paid or postmarked by December 31; later payments are subject to up to 18% interest per year plus a 2% penalty.

Who serves this house

Water: Missouri American Water (St. Louis County); The Rate W Water & Sewer Infrastructure Replacement Surcharge (WSIRA) is effective Aug. 15, 2026.
Property tax: 6.74% of value; 2025 tax year, St. Louis County (Lindbergh school district, tax code 138CP)
Garbage: Waste Connections; Contracted hauler for trash, recycling and yard waste.
Sewer: Metropolitan St. Louis Sewer District; MSD bills a base charge plus a volume charge.
Electricity: Ameren Electric; Responsible for all electricity throughout the St. Louis Metro area, including the City of Crestwood.
Gas: Spire; Handles natural gas throughout the St. Louis area, including Crestwood.

Pay or manage your bills

Other MO cities

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How these numbers are made

Property tax: 2025 St. Louis County rate book, residential rates for tax code 138CP (Lindbergh school district, the code most Crestwood parcels carry; a few parcels are in Affton or Webster Groves school districts and some in Crestwood Point CID are commercial only). Rates are per $100 of assessed value, applied to the Census median home value of $319,600 x 19% assessment ratio.
The flat $28 sewer lateral fee listed for Crestwood in the rate book is added as a yearly charge on the tax bill.
Trash: Waste Connections standard rate was $21.78/month for March 2024-Feb 2025; the mayor's summary of the contract lists the following annual steps ($22.87, then $24.01), so $24.01 is used for March 2026-Feb 2027. Billed quarterly. The $24.01 is the contract step schedule from the mayor's summary, not a rate the city posts now.
Water: Missouri American Water Rate A for St. Louis County ($11.00/month, $10.3749 per 1,000 gallons) plus the $0.75071 surcharge per 1,000 gallons effective Aug. 15, 2026, plus the $1.00 monthly service line charge. Sewer: MSD base $34.85/month plus $7.15 per CCF of winter-quarter use.
Electricity: Ameren Missouri Schedule 1(M), annualised 4 summer months at 15.60 cents and 8 months at 10.62 (first 750 kWh) or 7.14 cents. Gas: Spire Missouri St. Louis County rates. Crestwood levies a city tax on utility gross receipts; its current residential rate was not found in an official source, so no utility tax is included.
No separate homestead exemption applies in Missouri on these rates; Property Tax Credit for seniors/disabled is state-run and not modeled.
Nothing here is legal, tax or insurance advice.

Sources

How Crestwood compares

A typical Crestwood house against the 43 Missouri cities we cover, using the same default numbers as the total above.

Per year	Crestwood	Median	Where it falls
Property tax rate	6.74%	5.64%	higher than 37 of the other 42 Missouri cities we cover
Water	$1,043	$680	higher than 35 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$1,190	$805	higher than 34 of the other 42 Missouri cities we cover
Trash	$288	$261	higher than 20 of the other 31 Missouri cities we cover
Electricity and gas	$2,191	$2,357	lower than 31 of the other 42 Missouri cities we cover
Home insurance	$1,872	$1,872	higher than 13 of the other 26 Missouri cities we cover
Total	$10,705	$8,070	higher than 35 of the other 42 Missouri 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. Property tax rate

The fact: Crestwood's property tax rate is 6.74%, higher than 37 of the other 42 Missouri cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Crestwood is 6.74%, higher than 37 of the other 42 Missouri cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Water

The fact: Water here costs about $1,043 a year at typical use, higher than 35 of the other 42 Missouri cities we cover.

Ask: "Water here costs about $1,043 a year at typical use, higher than 35 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,190 a year, higher than 34 of the other 42 Missouri cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $1,190 a year, higher than 34 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,191 a year, lower than 31 of the other 42 Missouri cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,191 a year for a typical house, lower than 31 of the other 42 Missouri cities we cover. Which parts of that can the city influence, and what would you do about them?"

Common questions about Crestwood house costs

What is the property tax rate in Crestwood?

About 6.74% of the value before exemptions a year (2025 tax year, St. Louis County (Lindbergh school district, tax code 138CP)), plus flat charges on the same bill (Sewer lateral repair fee $28).

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

About $33,727 a year on $500,000 of the value before exemptions, including $28 of flat charges.

How much is the water bill in Crestwood?

About $186 a month for water and sewer at typical use (7,000 gallons a month) on Missouri American Water (St. Louis County).

How much does trash pickup cost in Crestwood?

$24 a month for a house.

When is property tax due in Crestwood?

Dec 31: Real estate taxes due: Property taxes must be paid or postmarked by December 31; later payments are subject to up to 18% interest per year plus a 2% penalty.

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

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