What a Ladue 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 the typical market value, $200,697; your assessed value is often lower. Typical use.
- Property tax$13,033
6.494% of $200,697
- Electricity and gas$2,342
1011 kWh a month $1,527 · 31 therms $664 · Utility tax on electricity $151
- Water and sewer$2,306
7,000 gallons a month on Missouri American Water: water $93, sewer $99 a month
- TrashNot included
Billed by your hauler, not counted in the total
- Home insurance$1,872
Typical premium $1,872
A Ladue house at the typical market value ($200,697) costs about $19,600 a year: $13,030 property tax and charges, $2,310 water and sewer, $2,340 electricity and gas, $1,870 home insurance; trash is billed separately. 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 56 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
- Property tax
- 6.49% of value
- 2025 tax year, St. Louis County (Ladue school district, tax code 117D)
- Garbage
- Licensed trash haulers
- The city's useful-numbers page lists licensed trash haulers.
- Gas
- Spire
- The city's resident guide lists Laclede Gas - Spire for gas.
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 117D (City of Ladue, Ladue school district; 117AL and 117FF have the same total of 6.4937 per $100). Rates are per $100 of assessed value, applied to the Census median home value of $1,056,300 x 19% assessment ratio. Ladue levies a city property tax of 0.7320 per $100. Ladue is not in the county's sewer lateral fee list, so no flat charge is added. The 2026 rate book is not yet posted.
- Trash: Ladue does not run or price trash service; residents hire a licensed hauler (hauler prices are private quotes, no official price is published), so trash is NOT in the total and the page shows no trash price.
- 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, each x1.07 for Ladue's 7% water utility tax. Sewer: MSD base $34.85/month plus $7.15 per CCF of winter-quarter use. MSD rates are as published on the MSD rate-information page as of 2026-10-31; the page gives no effective year (MSD rate changes take effect July 1).
- 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, annualised from the two published periods plus the rider.
- Utility tax: Ladue charges 7% on gas, water and telephone and 6.9% on electricity. The calculator takes one rate (6.9%, applied to electric and gas), so the 7% water tax is built into the stored water charges (x1.07) and the gas charges are scaled by 1.07/1.069.
- No homestead exemption applies in Missouri on these rates; the Property Tax Credit for seniors/disabled is state-run and not modeled.
- Insurance: the $1,872 is Missouri's statewide 2023 average premium, not Ladue's; homes valued near Ladue's $1.06 million median likely pay more, so treat it as a floor-level reference.
- Garbage: city lists licensed haulers only; no hauler prices published, so garbage is excluded from the total.
- Water rate includes the Rate W WSIRA surcharge effective Aug 15, 2026 (PSC tariff 882967).
- Ladue has no city trash billing; residents contract with city-licensed haulers (prices unpublished).
- Nothing here is legal, tax or insurance advice.
Common questions about Ladue house costs
What is the property tax rate in Ladue?
About 6.49% of the value before exemptions a year (2025 tax year, St. Louis County (Ladue school district, tax code 117D)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Ladue?
About $32,469 a year on $500,000 of the value before exemptions.
How much is the water bill in Ladue?
About $192 a month for water and sewer at typical use (7,000 gallons a month) on Missouri American Water.
How much does trash pickup cost in Ladue?
Billed by your hauler, not counted in the total
When is property tax due in Ladue?
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 Ladue cost to run each year?
A Ladue house at the typical market value ($200,697) costs about $19,600 a year: $13,030 property tax and charges, $2,310 water and sewer, $2,340 electricity and gas, $1,870 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.