Lake Saint Louis, MO · Updated Oct 2026

What a Lake Saint Louis 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 Lake Saint Louis house

$11,140a year · $928 a month

Starts at $77,121 of value before exemptions. Typical use.

A typical Lake Saint Louis house costs about $11,100 a year: $5,410 property tax and charges, $1,400 water and sewer, $290 trash, $2,360 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 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.
Free bulky item pickup
Lake Saint Louis residents are not charged for one bulky item pickup per week.
How: Check the city waste guide for bulky item rules.
Seniors: lower trash rate
The senior citizen trash rate is $21.93 a month ($65.79 billed quarterly), against $24.51 a month.
How: See the city waste guide.
Water service line insurance
Most residential properties are covered by a water service line program with an $8 annual assessment paid with real estate taxes.
How: Call Public Works at 636-695-4221 if you suspect a leak in your water service.
Sewer lateral insurance
The sewer lateral program costs $20 for an annual assessment paid with real estate taxes and covers repairs from the exterior building foundation wall to the public sewer.
How: See the city's Sewer Lateral Insurance page.

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: Public Water Supply District #2; For bills issued on or after June 1, 2026: $23.77 Service Availability Charge per month plus $7.46 per 1,000 gallons.
Property tax: 6.98% of value; 2025 tax year, St. Charles County (Wentzville R4 school code 15, city of Lake St Louis)
Garbage: Meridian Waste; City-contracted curbside trash, recycling and yard waste; rates effective Jan. 30, 2026 to Jan. 29, 2027.
Sewer: Public Water Supply District #2; Lake St. Louis wastewater collection system, treated at the City of O'Fallon Wastewater Treatment Plant.
Electricity: Ameren Missouri; Lake Saint Louis is on Ameren Missouri's municipalities list.
Gas: Spire; Lake St. Louis is in Spire's list of communities served.

Pay or manage your bills

Your water

Billing: Customers who buy both water and sewer service from PWSD #2 get both charges on one bill.

Other MO cities

Springfield home costs Independence home costs St. Charles home costs Blue Springs home costs St. Peters home costs Liberty home costs Wildwood home costs Raytown home costs Grandview home costs Raymore home costs Belton home costs Webster Groves home costs Ozark home costs Rolla home costs Creve Coeur home costs Manchester home costs Ferguson home costs Clayton home costs Kirksville home costs Grain Valley home costs Jackson home costs Dardenne Prairie home costs Marshall home costs Festus home costs Fulton home costs West Plains home costs Crestwood home costs Bolivar home costs Town and Country home costs Mexico home costs Excelsior Springs home costs Smithville home costs Ellisville home costs Monett home costs Kennett home costs Columbia home costs University City home costs Republic home costs Warrensburg home costs Sikeston home costs Troy home costs Maryville home costs Harrisonville home costs Warrenton home costs Oak Grove home costs Des Peres home costs Sunset Hills home costs Richmond Heights home costs Olivette home costs Brentwood home costs Park Hills home costs Nevada home costs Sullivan home costs Boonville home costs Cameron home costs Valley Park home costs Cottleville home costs Battlefield home costs Shrewsbury home costs Glendale home costs Odessa home costs Wright City home costs Trenton home costs St. Robert home costs Caruthersville home costs Parkville home costs Ladue home costs Perryville home costs Maplewood home costs Willard home costs Marshfield home costs Clinton home costs

How these numbers are made

Water: Public Water Supply District #2 of St. Charles County, bills issued on or after June 1, 2026: $23.77 per month plus $7.46 per 1,000 gallons. The page starts at the 4,800 gallons a month that the district's own sample bill uses as average winter use.
Sewer: the district's Rate Code A (Lake St. Louis) from June 1, 2026: $3.50 per month plus $11.21 per 1,000 gallons, billed on winter water use; the page applies it to the water use you set (starting at the district's 4,800-gallon sample). Addresses on Duckett Creek Sewer District ($26.75 per month) or City of Wentzville sewer pay differently.
Property tax: St. Charles County 2025 combination tax chart, Wentzville R-IV school code 15 (Lake St. Louis Fire District #15), city rate 0.3910 per $100 (real estate only), on 19% of the Census median home value. Some homes are in the Fort Zumwalt R2 code 15 area (school rate 4.1262) instead. The $8 water line and $20 sewer lateral assessments are added.
Electricity and gas: Ameren Missouri 1(M) and Spire East rates as in nearby St. Peters; the city's 5% gross receipts license tax on electricity and gas businesses (Chapter 625) is applied; the fuel adjustment (Rider FAC) is included; the energy-efficiency and renewable-standard riders are not. Ameren has asked regulators (case ER-2026-0291) for an increase that has not taken effect. Gas: the $1.0731 per Ccf is the average of Spire's winter and summer delivery charges ($0.5055 and $0.48671) plus the $0.61674 purchased-gas adjustment (Residential General, $0.59497 + $0.02177) on the same Oct. 2026 schedule, divided by 1.037.
Trash: the city's monthly rate of $24.51 (billed $73.53 quarterly), rates effective Jan. 30, 2026 to Jan. 29, 2027.
Electric rates include the Rider FAC of $0.00445/kWh (secondary service, Oct 2026-Jan 2027) per Ameren Rider FAC sheet.
Insurance: the newest Missouri DCI statewide figure we could read is the 2022 average ($1,678, all policy limits); the department's later report could not be loaded, so premiums now are probably higher.
Nothing here is legal, tax or insurance advice.

Sources

How Lake Saint Louis compares

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

Per year	Lake Saint Louis	Median	Where it falls
Property tax rate	6.98%	5.64%	higher than 42 of the other 42 Missouri cities we cover
Water	$715	$680	higher than 23 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$688	$805	lower than 27 of the other 42 Missouri cities we cover
Trash	$294	$261	higher than 21 of the other 31 Missouri cities we cover
Electricity and gas	$2,357	$2,357	higher than 21 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	$11,140	$8,070	higher than 38 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: Lake Saint Louis's property tax rate is 6.98%, higher than 42 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 Lake Saint Louis is 6.98%, higher than 42 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?"

Common questions about Lake Saint Louis house costs

What is the property tax rate in Lake Saint Louis?

About 6.98% of the value before exemptions a year (2025 tax year, St. Charles County (Wentzville R4 school code 15, city of Lake St Louis)), plus flat charges on the same bill (Water service line insurance assessment $8, Sewer lateral insurance assessment $20).

How much is property tax on a $500,000 house in Lake Saint Louis?

About $34,910 a year on $500,000 of the value before exemptions, including $28 of flat charges.

How much is the water bill in Lake Saint Louis?

About $117 a month for water and sewer at typical use (5,000 gallons a month) on Public Water Supply District #2.

How much does trash pickup cost in Lake Saint Louis?

$25 a month for a house.

Can seniors lower their property tax or bills in Lake Saint Louis?

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 Lake Saint Louis cost to run each year?

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