St. Peters, MO · Updated Oct 2026

What a St. Peters 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. Peters house

$8,070a year · $673 a month

Starts at $51,281 of value before exemptions. Typical use.

A typical St. Peters house costs about $8,100 a year: $3,050 property tax and charges, $650 water and sewer, $340 trash, $2,360 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:

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.
Sewer lateral repair program
St. Peters residents pay a $28 annual assessment with real estate taxes. The Sewer Lateral Repair Program provides a maximum of $10,000 per household.
How: Submit an application with a receipt for cleaning your lateral, your last paid real estate tax receipt, and a $500 application fee.

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 St. Peters water; Rates effective Oct. 1, 2026; 5/8-inch meter.
Property tax: 5.88% of value; 2025 tax year, St. Charles County (Fort Zumwalt R2 school code 00, city of St Peters)
Garbage: City of St. Peters; City curbside trash, recycling and yard waste; the city bills water, sewer and trash bi-monthly.
Sewer: City of St. Peters; Billed bi-monthly; some addresses are served by Duckett Creek Sanitary District.
Electricity: Ameren Missouri; St. Peters is on Ameren Missouri's municipalities list.
Gas: Spire; St. Peters is in Spire's index of communities served.

Pay or manage your bills

Your water

Source: Water comes from groundwater wells.

Other MO cities

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How these numbers are made

Water and sewer: City of St. Peters rates effective Oct. 1, 2026, billed every two months; the $32.74 fixed water charge (5/8-inch meter) and the $48.44 residential sewer charge are halved to monthly; water is $2.64 per 1,000 gallons.
Sewer: St. Peters bills residential sewer as a fixed amount from average winter use (8,200 gallons gives $48.44 per billing); the household's own amount is reset each spring, so it can differ.
Property tax: St. Charles County 2025 combination tax chart, code R2 00 (St. Peters, Fort Zumwalt R-II, the largest school district in the city), per $100 of assessed value, on 19% of the Census median home value; Francis Howell addresses use a different school rate. The $28 and $12 yearly assessments are added.
Electricity and gas: Ameren Missouri 1(M) and Spire East rates as in nearby St. Charles; the city's 5% franchise tax is applied to both; the fuel adjustment (Rider FAC) is included; the energy-efficiency (EEIC) and renewable-standard (RESRAM) riders are not included. Ameren has asked regulators (case ER-2026-0291) for an increase that has not taken effect, so these rates could rise. Some addresses are served by Missouri American Water or Duckett Creek Sanitary District instead of the city.
Trash is the city's standard bi-monthly rate halved to monthly; the rate shown on the city page is effective Oct. 1, 2023.
Electric rates include the Rider FAC of $0.00445/kWh (secondary service, Oct 2026-Jan 2027) per Ameren Rider FAC sheet.
Nothing here is legal, tax or insurance advice.

Sources

How St. Peters compares

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

Per year	St. Peters	Median	Where it falls
Property tax rate	5.88%	5.64%	higher than 25 of the other 42 Missouri cities we cover
Water	$355	$680	lower than 39 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$291	$805	lower than 41 of the other 42 Missouri cities we cover
Trash	$337	$261	higher than 24 of the other 31 Missouri cities we cover
Electricity and gas	$2,357	$2,357	higher than 21 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	$8,070	$8,070	in the middle of 42 other 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 $355 a year at typical use, lower than 39 of the other 42 Missouri cities we cover.

Ask: "Water here costs about $355 a year at typical use, lower than 39 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 $291 a year, lower than 41 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 $291 a year, lower than 41 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $337 a year for the standard cart, higher than 24 of the other 31 Missouri cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $337 a year for the standard cart, higher than 24 of the other 31 Missouri cities we cover. What drives that cost, and would you change anything about the service or the price?"

Common questions about St. Peters house costs

What is the property tax rate in St. Peters?

About 5.88% of the value before exemptions a year (2025 tax year, St. Charles County (Fort Zumwalt R2 school code 00, city of St Peters)), plus flat charges on the same bill (Sewer lateral repair assessment $28, Water service line repair assessment $12).

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

About $29,417 a year on $500,000 of the value before exemptions, including $40 of flat charges.

How much is the water bill in St. Peters?

About $54 a month for water and sewer at typical use (5,000 gallons a month) on City of St. Peters water.

How much does trash pickup cost in St. Peters?

$28 a month for a house.

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

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. Peters cost to run each year?

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