Ozark, MO · Updated Oct 2026

What a Ozark 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 Ozark house

$8,963a year · $747 a month

Starts at $48,412 of value before exemptions. Typical use.

Property tax$2,997
6.190% of $48,412
Electricity and gas$2,635
1000 kWh a month $1,918 · 31 therms $718
Water and sewer$1,231
7,000 gallons a month on City of Ozark water: water $37, sewer $66 a month
Trash$252
Trash, once a week (95 or 65 gallon cart), $21 a month
Home insurance$1,848
Typical premium $1,848

A typical Ozark house costs about $9,000 a year: $3,000 property tax and charges, $1,230 water and sewer, $250 trash, $2,640 electricity and gas, $1,850 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

One change saves this house about $498 a year:

Bring water use down to 1 units
$498 a year
Above 1 units a month, City of Ozark water charges $5.19 a unit instead of $0.00.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Summer Sewer Average
The Summer Sewer Average takes the average usage from the January to March bills and discounts the sewer based on that average usage. This program runs from the May to October bills.
How: Ask the City of Ozark Utility Billing Department.

Money dates

Utility bill penaltyIf payment is not received on these dates, a 10% penalty will be added.

Who serves this house

Water: City of Ozark water; Inside the City Limits: $14.69 for the first 1,000 gallons (minimum charge) and $3.88 per 1,000 gallons thereafter.
Property tax: 6.19% of value; 2025 tax year, Christian County (City of Ozark, Ozark R-VI school, Ozark Fire Protection District, Ozark Special Road District)
Garbage: Republic Services; The City of Ozark Utility Billing Department processes your trash bill on the same bill as your water and sewer services
Sewer: City of Ozark; Inside the City Limits: $11.75 for the first 1,000 gallons (minimum charge) and $9.40 per 1,000 gallons thereafter.
Electricity: Liberty Electric; Liberty Electric provides electricity services in Ozark.
Gas: Spire; Spire provides gas services in Ozark.

Pay or manage your bills

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How these numbers are made

Water: City of Ozark inside-city rate effective April 1, 2026, $14.69 including the first 1,000 gallons, then $3.88 per 1,000 gallons.
Sewer: $11.75 including the first 1,000 gallons, then $9.40 per 1,000 gallons of water used; the city's Summer Sewer Average program may lower May-October sewer bills.
Property tax: 2025 certified Christian County levies per $100 of assessed value, including the Ozark Special Road District ($0.3393) and the $0.03 state levy (Ozark R-VI school 2026 levy is reported unchanged at $4.14), on 19% of the Census median market value. The district's 2026 levy is set at $0.3497. Any other flat charges are not included.
Electric: Liberty NS-RG, $13.00 plus $0.14486 first 600 kWh and additional kWh weighted 4 summer and 8 winter months, plus the $0.00949 fuel adjustment; customers with a smart meter may be on a different Liberty schedule. Gas: average of Spire winter and summer delivery charges plus purchased gas adjustment, divided by 1.037 therms per Ccf.
Trash is billed by the city on behalf of Republic Services: $15.33 trash plus optional $5.71 recycling. The city's rates, trash and taxes pages list no stormwater or parks fee (the Parks & Stormwater Fund is funded by sales tax); utility franchise taxes on electric and gas bills are not modelled.
Electric tiers = NS-RG energy rates plus Rider FAC $0.00949/kWh; gas = Spire Missouri West customer charge plus gas-use charge and PGA; statewide avg premium 2023 was $1,872.
Nothing here is legal, tax or insurance advice.

Sources

How Ozark compares

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

Per year	Ozark	Median	Where it falls
Property tax rate	6.19%	5.64%	higher than 30 of the other 42 Missouri cities we cover
Water	$443	$680	lower than 37 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$788	$805	lower than 22 of the other 42 Missouri cities we cover
Trash	$252	$261	lower than 17 of the other 31 Missouri cities we cover
Electricity and gas	$2,635	$2,357	higher than 39 of the other 42 Missouri cities we cover
Home insurance	$1,848	$1,872	lower than 14 of the other 26 Missouri cities we cover
Total	$8,963	$8,070	higher 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. Water

The fact: Water here costs about $443 a year at typical use, lower than 37 of the other 42 Missouri cities we cover.

Ask: "Water here costs about $443 a year at typical use, lower than 37 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,635 a year, higher than 39 of the other 42 Missouri cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,635 a year for a typical house, higher than 39 of the other 42 Missouri cities we cover. Which parts of that can the city influence, and what would you do about them?"

Common questions about Ozark house costs

What is the property tax rate in Ozark?

About 6.19% of the value before exemptions a year (2025 tax year, Christian County (City of Ozark, Ozark R-VI school, Ozark Fire Protection District, Ozark Special Road District)), plus flat charges on the same bill.

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

About $30,950 a year on $500,000 of the value before exemptions.

How much is the water bill in Ozark?

About $103 a month for water and sewer at typical use (7,000 gallons a month) on City of Ozark water.

How much does trash pickup cost in Ozark?

$21 a month for a house.

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

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