Maplewood, MO · Updated Oct 2026

What a Maplewood 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 Maplewood house

$9,553a year · $796 a month

Starts at the typical market value, $45,030; your assessed value is often lower. Typical use.

Property tax$3,114
6.915% of $45,030
Electricity and gas$2,404
1011 kWh a month $1,527 · 31 therms $678 · city utility license tax $198
Water and sewer$2,163
6,000 gallons a month on Missouri American Water (St. Louis County): water $80, sewer $93, city utility license tax $7 a month
TrashNot included
Trash collection is provided through a contract with Republic Services; the city levies a Solid Waste property tax
Home insurance$1,872
Typical premium $1,872

A Maplewood house at the typical market value ($45,030) costs about $9,500 a year: $3,110 property tax and charges, $2,160 water and sewer, $2,400 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:

Free recycling
Maplewood provides free recycling services to single-family homes, duplexes and multi-family units of 12 or less.
How: Call Republic Services at 636-947-5959 to sign up or request a 65-gallon recycling cart.
Major appliance pickup
Major appliances (white goods) are collected when you schedule them by calling Customer Service; there is no additional charge.
How: Call Customer Service to schedule.
County home improvement grant
St. Louis County's Home Improvement Grant Program lets homeowners repair code violations through an income-based grant; seniors and disabled residents are eligible for an additional 10% if they qualify.
How: Call the program office at 314-615-4025.

Money dates

Dec 31: Real estate taxes duein 56 daysProperty taxes must be paid or postmarked by December 31 of the year for which they are billed.

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: 6.92% of value; 2025 levies (State Auditor); State, county, school and district levies for all parts
Garbage: Republic Services; Trash collection for all single-family residences, duplexes, and four-family buildings is provided by Republic Services.
Sewer: Metropolitan St. Louis Sewer District; MSD bills a base charge plus a volume charge.
Electricity: Ameren Missouri; The new resident packet lists Ameren for utility bill assistance.
Gas: Spire; The new resident packet names Spire | Natural Gas Company with a phone number.
Schools: Maplewood-Richmond Heights School District; Operating Funds-Schools residential rate for 2025 is 3.9788.

Pay or manage your bills

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How these numbers are made

Property tax: 2025 State Auditor levies per $100 of assessed value. City of Maplewood general $0.107, pension $0.237, solid waste $0.191; city bond debt service $0.28 (the city's Proposition M page lists current debt service as $0.28); Maplewood Public Library District $0.16; State 0.03; St. Louis County, community college, Special School District, zoo-museum and MSD levies as for other St. Louis County cities; Maplewood-Richmond Heights School District 3.9788. Applied to 19% of the Census median home value ($237,000).
The city's 2026 hearing notice shows proposed residential levies of 0.1130 general, 0.2410 pension, 0.1990 solid waste and 0.2800 bonds, but only as an image, so 2025 levies are used. The library's 2026 notice proposes an added 0.118 debt levy; it is not included because the State Auditor lists the library's 2025 debt levy as zero. Trash is paid through the city's solid waste property tax and is not added again.
Water: Missouri American Water Rate A for St. Louis County ($11.00 per month, $10.3749 per 1,000 gallons) plus the $0.75071 per 1,000 gallons surcharge effective Aug. 15, 2026, plus the $1.00 per month St. Louis County service line charge. Sewer: MSD base charge $34.85 per month plus $7.15 per CCF of winter-quarter water use (MSD page gives no effective date).
Electricity: Ameren Missouri Schedule 1(M) with a 4/12 summer and 8/12 winter weighted energy rate; the temporary fuel adjustment is not included. Gas: Spire Missouri St. Louis County rates, delivery charge the simple average of Nov-Apr ($0.50550) and May-Oct ($0.48671) plus the $0.61674 purchased-gas line.
Maplewood has a Special Business District levy that applies to commercial districts and is not included. City code Ch. 46 charges electricity, gas and water suppliers a license fee of 9% of gross receipts; it is modelled as a 9% charge on the electric, gas and water bills (not MSD sewer), assuming suppliers pass it through. Maplewood has its own fire department, so no fire district levy is included.
Insurance: $1,872 is the 2023 Missouri statewide average premium from the Department of Commerce & Insurance, not a St. Louis County or ZIP figure.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Maplewood house costs

What is the property tax rate in Maplewood?

About 6.92% of the value before exemptions a year (2025 levies (State Auditor); State, county, school and district levies for all parts), plus flat charges on the same bill.

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

About $34,578 a year on $500,000 of the value before exemptions.

How much is the water bill in Maplewood?

About $173 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 Maplewood?

Trash collection is provided through a contract with Republic Services; the city levies a Solid Waste property tax

Can seniors lower their property tax or bills in Maplewood?

Yes. County home improvement grant: St. Louis County's Home Improvement Grant Program lets homeowners repair code violations through an income-based grant; seniors and disabled residents are eligible for an additional 10% if they qualify.

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

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