Liberty, MO · Updated Oct 2026

What a Liberty 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 Liberty house

$8,729a year · $727 a month

Starts at the typical market value, $283,300; your assessed value is often lower. Typical use.

Property tax$3,882
1.370% of $283,300
Electricity and gas$2,439
1001 kWh a month $1,584 · 31 therms $717 · city utility franchise fee $138
Water and sewer$2,079
7,000 gallons a month on City of Liberty: water $55, sewer $119 a month
Trash$329
65-gallon trash and recycling carts, flat rate, $27 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A Liberty house at the typical market value ($283,300) costs about $8,700 a year: $3,880 property tax and charges, $2,080 water and sewer, $330 trash, $2,440 electricity and gas; home insurance is not included (no typical premium yet). 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 and disabled: 15% off water and sewer
Qualified senior citizens and disabled individuals are eligible for a 15% reduction in their water and wastewater rates on their utility bill.
How: See the Water and Sewer Utility Bill Credit Program page linked from the city rates page.

Money dates

Dec 31: Clay County real estate tax duein 56 daysTax bills are mailed out in November of each year and are due December 31.

Who serves this house

Water: City of Liberty; Water rates as of April 2026. The city's page does not state the unit for the first tier ($3.93); it is read here as the charge for the first 1,000 gallons.
Property tax: 1.37% of value; 2026 tax year, Clay County (City of Liberty, Liberty School District #53)
Garbage: Republic Services (city contract); Curbside trash and recycling under the City of Liberty's contract with Republic Services, billed on the city utility bill.
Sewer: City of Liberty; Charge per 1,000 gallons of water used.
Electricity: Evergy Missouri West; Residential Standard Tier Service.
Gas: Spire; Liberty is listed among Spire's communities served.

Pay or manage your bills

Other MO cities

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How these numbers are made

Property tax: Clay County 2026 levy compilation, rates per $100 of assessed value, applied to 19% of the Census median market value (rates shown are levy x 0.19). Liberty's own tax page lists the same entities for Liberty residents. Special taxing districts that cover only parts of the county (for example fire districts, the Historic Downtown Improvement district and the 210 Highway Transportation district) are not included.
Water: April 2026 rates, $9.36 monthly customer charge; the first 1,000 gallons are stored as $3.93 per 1,000 gallons, then $8.43, $6.94, $6.26 and $4.90 per 1,000 gallons by tier. No typical household use was published, so the page default is used.
Sewer: $17.63 per 1,000 gallons of water used, April 2026. The city's page shows no separate sewer base charge.
Trash: flat $27.43 a month on the utility bill, included in the totals once.
Electric: Evergy Missouri West Standard Tier, $12.90 customer charge, summer (4 months) and winter (8 months) weighted per block, plus the $0.00876 per kWh Rider FAC. Other riders and sales tax are not included. Liberty's franchise fees (6% electric, 5% gas, a tax on utilities' gross receipts) are applied as one 6% line (the electric rate); gas is actually 5%, so this overstates gas by about $7 a year; Evergy's Missouri West tariff says its rates exclude any franchise or occupations tax, so it is billed on top. Gas: Spire $22 customer charge; delivery charge averaged winter/summer plus the $0.67976 PGA, converted from ccf to therms.
Water: the city's rate page gives no unit for the first-tier $3.93; modelled as the charge for the first 1,000 gallons.
Nothing here is legal, tax or insurance advice.

Sources

How Liberty compares

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

Per year	Liberty	Median	Where it falls
Property tax rate	1.37%	5.64%	lower than 41 of the other 42 Missouri cities we cover
Water	$655	$680	lower than 22 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$1,424	$805	higher than 40 of the other 42 Missouri cities we cover
Trash	$329	$261	higher than 23 of the other 31 Missouri cities we cover
Electricity and gas	$2,439	$2,357	higher than 27 of the other 42 Missouri cities we cover
Total	$8,729	$8,070	higher than 27 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: Liberty's property tax rate is 1.37%, lower than 41 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 Liberty is 1.37%, lower than 41 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,424 a year, higher than 40 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 $1,424 a year, higher than 40 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

Common questions about Liberty house costs

What is the property tax rate in Liberty?

About 1.37% of the value before exemptions a year (2026 tax year, Clay County (City of Liberty, Liberty School District #53)), plus flat charges on the same bill.

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

About $6,851 a year on $500,000 of the value before exemptions.

How much is the water bill in Liberty?

About $173 a month for water and sewer at typical use (7,000 gallons a month) on City of Liberty.

How much does trash pickup cost in Liberty?

$27 a month for a house.

Can seniors lower their property tax or bills in Liberty?

Yes. Seniors and disabled: 15% off water and sewer: Qualified senior citizens and disabled individuals are eligible for a 15% reduction in their water and wastewater rates on their utility bill.

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

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