St. Charles, MO · Updated Oct 2026

What a St. Charles 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 St. Charles house

$9,148a year · $762 a month

Starts at $56,753 of value before exemptions. Typical use.

A typical St. Charles house costs about $9,100 a year: $3,520 property tax and charges, $1,300 water and sewer, $250 trash, $2,390 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:

Switch to the 48-gallon cart cartUp to $64 a year
Your cart costs $21 a month; the smallest costs $15. Worth it if you rarely fill it.
How: One-time delivery fee of $16.50 applies to cart exchanges requested by residents.
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.
Bulky item pickup is included
Included with weekly solid waste service is collection of appliances, bulky items, and electronic waste.
How: Schedule it with customer service first.

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: City of Saint Charles water; City resident rates effective January 1, 2026.
Property tax: 6.21% of value; 2025 tax year, St. Charles County (St Charles R6 school code 00, city of St Charles)
Garbage: Republic Services (city contract); City contract for solid waste, yard waste and bulky items; billed quarterly.
Sewer: City of Saint Charles; Billed with water, bi-monthly.
Electricity: Ameren Missouri; Listed on the city utilities page.
Gas: Spire; Listed on the city utilities page.

Pay or manage your bills

Your water

Source: The 2025 water quality report lists wells 4, 5, 6 and 7 as ground water sources.
Purchased water: The report says drinking water is also supplied from the St. Louis City system.
Lead: The 2022-2024 lead 90th percentile result was 0 ppb; the action level is 15 ppb.

Other MO cities

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How these numbers are made

Water and sewer: City of Saint Charles resident rates effective January 1, 2026, billed bi-monthly; the fixed charge and tier breakpoints are halved to monthly, per 1,000 gallons (kgal).
Property tax: St. Charles County 2025 combination tax chart, code R6 00 (city of St Charles, St Charles R-VI school district), per $100 of assessed value, on 19% of the Census median home value.
Electricity: Ameren Missouri 1(M) energy charge blended over 4 summer months (15.60¢ flat) and 8 winter months (10.62¢ first 750 kWh, 7.14¢ above) at about 1,011 kWh a month; the Rider FAC fuel adjustment for secondary service ($0.00445/kWh, Ameren tariff sheet 72.14, effective Oct 1, 2026 to Jan 31, 2027) is added to every tier; other small riders are not included.
Gas: Spire East delivery charge averaged over winter and summer plus the purchased gas adjustment of $0.61674 per Ccf, converted to therms; the 6.7% city utility tax applies to electric and gas.
The county chart also lists a sewer/water fee row for St. Charles without a billing period; it is not added. Trash is the 48/65/95-gallon quarterly city contract prices.
Nothing here is legal, tax or insurance advice.

Sources

How St. Charles compares

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

Per year	St. Charles	Median	Where it falls
Property tax rate	6.21%	5.64%	higher than 31 of the other 42 Missouri cities we cover
Water	$475	$680	lower than 36 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$828	$805	higher than 24 of the other 42 Missouri cities we cover
Trash	$250	$261	lower than 18 of the other 31 Missouri cities we cover
Electricity and gas	$2,395	$2,357	higher than 25 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	$9,148	$8,070	higher than 29 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 $475 a year at typical use, lower than 36 of the other 42 Missouri cities we cover.

Ask: "Water here costs about $475 a year at typical use, lower than 36 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

Common questions about St. Charles house costs

What is the property tax rate in St. Charles?

About 6.21% of the value before exemptions a year (2025 tax year, St. Charles County (St Charles R6 school code 00, city of St Charles)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in St. Charles?

About $31,041 a year on $500,000 of the value before exemptions.

How much is the water bill in St. Charles?

About $109 a month for water and sewer at typical use (7,000 gallons a month) on City of Saint Charles water.

How much does trash pickup cost in St. Charles?

$15 to $21 a month, depending on the trash cart size (48-gallon cart, 65-gallon cart, 95-gallon cart).

Can seniors lower their property tax or bills in St. Charles?

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 St. Charles cost to run each year?

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