Ferguson, MO · Updated Oct 2026

What a Ferguson 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 Ferguson house

$7,640a year · $637 a month

Starts at $20,881 of value before exemptions. Typical use.

A typical Ferguson house costs about $7,600 a year: $1,460 property tax and charges, $1,770 water and sewer, $310 trash, $2,420 electricity and gas, $1,680 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 65+: half-price trash service
Republic Services gives a discount to residential units where the head of household is 65 or older; the city page says it is for single home owners, not landlords.
How: Call Republic Services at 636-947-5959.
Sewer lateral repair program
The program is built on funds from a $50 per year, per residential unit tax collected from St. Louis County.
How: Read the program guidelines on the city's Sewer Lateral Program page.

Who serves this house

Water: Missouri American Water (St. Louis County); Rates effective May 28, 2025; 5/8 or 3/4 inch meter.
Property tax: 6.75% of value; 2025 tax year, St. Louis County (Ferguson-Florissant school district 111, city of Ferguson)
Garbage: Republic Services; Trash, recycling and yard waste are billed quarterly by Republic Services under contract with the city.
Sewer: Metropolitan Sewer District (MSD); Metropolitan Sewer District (MSD) is the sewer utility listed on the city's utility services page.
Electricity: Ameren Missouri; Ameren Missouri is the electric utility listed on the city's utility services page.
Gas: Spire; Spire is the natural gas utility listed on the city's utility services page.

Pay or manage your bills

Other MO cities

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How these numbers are made

Property tax: St. Louis County 2025 Rate Book residential rates per $100 for tax code 111AK (Ferguson-Florissant school district, city of Ferguson; total 6.7550, the code shared by most Ferguson addresses); applied to 19% of the Census median home value. The $50 yearly sewer lateral fee is added.
Water: Missouri American Water St. Louis County rates ($11.00 monthly charge and $10.3749 per 1,000 gallons) each raised by Ferguson's 8% utility tax; typical use is the company's 6,100 gallons a month.
Sewer: MSD base charge $34.85 plus $7.15 per CCF of winter-quarter water use; a residential stormwater levy is in the property tax rate above. The MSD rate is $7.15 per CCF; it is stored as $5.348 per 1,000 gallons (7.15 / 1.33689) because the page's water unit is kgal.
Electricity and gas: Ameren Missouri 1(M) and Spire East rates as in nearby St. Louis County cities; Ferguson's 8% utility business license tax is applied to both. Energy-efficiency and renewable-standard riders are not included.
Trash: Republic Services' price in the city contract schedule for 4/1/2025-3/31/2026 ($25.44 a month for the 95 gallon cart, billed quarterly); the city has not published a schedule for 2026-27, so the new price may differ.
Rate case WR-2026-0304 (filed 7/1/2026) pending; removed from judged text.
Nothing here is legal, tax or insurance advice.

Sources

How Ferguson compares

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

Per year	Ferguson	Median	Where it falls
Property tax rate	6.75%	5.64%	higher than 38 of the other 42 Missouri cities we cover
Water	$963	$680	higher than 32 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$810	$805	higher than 22 of the other 42 Missouri cities we cover
Trash	$305	$261	higher than 22 of the other 31 Missouri cities we cover
Electricity and gas	$2,424	$2,357	higher than 26 of the other 42 Missouri cities we cover
Home insurance	$1,678	$1,872	lower than 16 of the other 26 Missouri cities we cover
Total	$7,640	$8,070	lower than 28 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: Ferguson's property tax rate is 6.75%, higher than 38 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 Ferguson is 6.75%, higher than 38 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 $963 a year at typical use, higher than 32 of the other 42 Missouri cities we cover.

Ask: "Water here costs about $963 a year at typical use, higher than 32 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

Common questions about Ferguson house costs

What is the property tax rate in Ferguson?

About 6.75% of the value before exemptions a year (2025 tax year, St. Louis County (Ferguson-Florissant school district 111, city of Ferguson)), plus flat charges on the same bill (Sewer lateral repair fee $50).

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

About $33,825 a year on $500,000 of the value before exemptions, including $50 of flat charges.

How much is the water bill in Ferguson?

About $148 a month for water and sewer at typical use (6,000 gallons a month) on Missouri American Water (St. Louis County).

How much does trash pickup cost in Ferguson?

$25 a month for a house.

Can seniors lower their property tax or bills in Ferguson?

Yes. Seniors 65+: half-price trash service: Republic Services gives a discount to residential units where the head of household is 65 or older; the city page says it is for single home owners, not landlords.

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

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