Springfield, MO · Updated Oct 2026

What a Springfield 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 Springfield house

$4,785a year · $399 a month

Starts at $33,763 of value before exemptions. Typical use.

Property tax$1,685
4.992% of $33,763
Electricity and gas$2,053
853 kWh a month $1,298 · 53.25 therms $755
Water and sewer$1,047
6.24 units (CCF) a month on City Utilities of Springfield: water $42, sewer $46 a month
TrashNot included
Curbside collection is provided by private licensed trash hauling companies; not priced here
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Springfield house costs about $4,800 a year: $1,690 property tax and charges, $1,050 water and sewer, $2,050 electricity and gas; trash is billed separately, and 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 62+: Property Tax Credit freeze
Greene County seniors may be eligible for a Property Tax Credit that can freeze the residential portion of their real estate taxes at the current rate.
How: The application period is January 2nd - June 30th annually.
Curbside recycling
All Springfield waste haulers are required to offer curbside recycling.
How: Ask your hauler.

Money dates

Dec 31: Real estate tax bills duein 56 daysTax bills will be mailed in November and must be paid by December 31st.
Jun 30: Senior Tax Credit applications dueThe application period is January 2nd - June 30th annually.

Who serves this house

Water: City Utilities of Springfield; Residential rate for bills prepared after October 2025.
Property tax: 4.99% of value; 2026 tax year, Greene County (tax district 105, Springfield R12)
Garbage: Private licensed haulers; Curbside trash and recycling are provided by more than 10 private, licensed hauling companies.
Sewer: City of Springfield Environmental Services; The sewer rate appears on the monthly utility bill.
Electricity: City Utilities of Springfield; Residential Electric Service Rate.
Gas: City Utilities of Springfield; Residential Gas Service Rate.

Pay or manage your bills

Other MO cities

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How these numbers are made

Water: City Utilities residential water rate, $21.00 monthly plus $3.23/CCF in winter (Nov-May); summer (Jun-Oct) steps $3.23, $3.96, $4.70, blended 7 winter and 5 summer months.
Sewer: City of Springfield rate effective July 1, 2026, $26.27 plus $3.11/CCF; the city bases the volume charge on winter water use, modeled here on water used.
Property tax: Greene County 2026 levies for tax district 105 (Springfield R12), per $100 of assessed value, on 19% of market value.
Electric: City Utilities residential rate effective April 2026 (energy + demand charge) plus the 12-month average fuel adjustment, winter 8 / summer 4 months blended. Gas: $0.2183 per therm plus the 12-month average Purchased Gas Cost.
Trash is contracted with a private hauler and not included. City utility taxes, the franchise tax and any Springfield stormwater charge were not found on a city or CU source.
Nothing here is legal, tax or insurance advice.

Sources

How Springfield compares

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

Per year	Springfield	Median	Where it falls
Property tax rate	4.99%	5.64%	lower than 29 of the other 42 Missouri cities we cover
Water	$498	$680	lower than 33 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$548	$805	lower than 32 of the other 42 Missouri cities we cover
Electricity and gas	$2,053	$2,357	lower than 34 of the other 42 Missouri cities we cover
Total	$4,785	$8,070	lower than 40 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 $498 a year at typical use, lower than 33 of the other 42 Missouri cities we cover.

Ask: "Water here costs about $498 a year at typical use, lower than 33 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $548 a year, lower than 32 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 $548 a year, lower than 32 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,053 a year, lower than 34 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 $2,053 a year for a typical house, lower than 34 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 Springfield house costs

What is the property tax rate in Springfield?

About 4.99% of the value before exemptions a year (2026 tax year, Greene County (tax district 105, Springfield R12)), plus flat charges on the same bill.

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

About $24,961 a year on $500,000 of the value before exemptions.

How much is the water bill in Springfield?

About $87 a month for water and sewer at typical use (6.24 units, or 4,668 gallons a month) on City Utilities of Springfield.

How much does trash pickup cost in Springfield?

Curbside collection is provided by private licensed trash hauling companies; not priced here

Can seniors lower their property tax or bills in Springfield?

Yes. Seniors 62+: Property Tax Credit freeze: Greene County seniors may be eligible for a Property Tax Credit that can freeze the residential portion of their real estate taxes at the current rate.

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

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