Town and Country, MO · Updated Oct 2026

What a Town and Country 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 Town and Country house

$16,550a year · $1,379 a month

Starts at the typical market value, $176,415; your assessed value is often lower. Typical use.

A Town and Country house at the typical market value ($176,415) costs about $16,500 a year: $9,720 property tax and charges, $2,010 water and sewer, $450 trash, $2,490 electricity and gas, $1,870 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:

Money dates

Dec 31: Real estate taxes duein 57 daysProperty taxes must be paid or postmarked by December 31; later payments are subject to up to 18% interest per year plus a 2% penalty.

Who serves this house

Water: Missouri American Water; Rates effective May 28, 2025.
Property tax: 5.51% of value; 2025 tax year, St. Louis County (Parkway school district, tax code 108AD)
Sewer: Metropolitan St. Louis Sewer District; Metropolitan Sewer District is listed as the sewer utility on the city's utility information page.
Electricity: Ameren Missouri; Ameren Union Electric is listed as the electric utility on the city's utility information page.
Gas: Spire; Spire Natural Gas Company is listed as the gas utility on the city's utility information page.

Pay or manage your bills

Other MO cities

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How these numbers are made

Property tax: St. Louis County 2025 Rate Book residential rates per $100 for tax code 108AD (Town and Country, Parkway school district); 108AK has the same total of 5.5123. The code lists no fire district rate. Other codes in the city (Ladue, Clayton-area schools) differ. Applied to 19% of the Census median home value; the Census figure is a market value, so assessed values may differ.
Water: Missouri American Water St. Louis County rates ($11.00 monthly charge and $10.3749 per 1,000 gallons); typical use is the company's 6,100 gallons a month. Sewer: MSD base charge $34.85 plus $7.15 per CCF of winter-quarter water use (stored as 7.15/0.748 = 9.5588 per 1,000 gallons because the page meters water in kgal). Missouri American Water has a pending rate case (WR-2026-0304, filed July 2026, undecided); the rates used took effect May 28, 2025.
Electricity: Ameren Missouri 1(M) averaged over 12 months plus FAC, EEIC and RESRAM riders, $9.00 customer charge and $0.19 low-income pilot charge. The city's 6.75% electric gross receipts tax is applied to electric and gas bills; the city's tax on gas was not found, so gas tax may be slightly overstated.
Gas: Spire East delivery rate averaged over summer and winter plus the purchased gas adjustment, $22.00 customer charge plus $2.11 ISRS.
Trash: the city does not set trash rates; residents contract with a hauler. The Waste Management curbside price from the city's 2026 hauler list is used as a monthly figure; the list does not state the billing period, so confirm with the hauler.
Nothing here is legal, tax or insurance advice.

Sources

How Town and Country compares

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

Per year	Town and Country	Median	Where it falls
Property tax rate	5.51%	5.64%	lower than 23 of the other 42 Missouri cities we cover
Water	$891	$680	higher than 26 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$1,118	$805	higher than 31 of the other 42 Missouri cities we cover
Trash	$454	$261	higher than 30 of the other 31 Missouri cities we cover
Electricity and gas	$2,490	$2,357	higher than 32 of the other 42 Missouri cities we cover
Home insurance	$1,872	$1,872	higher than 13 of the other 26 Missouri cities we cover
Total	$16,550	$8,070	higher than 42 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. Trash

The fact: Trash pickup here costs about $454 a year for the standard cart, higher than 30 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 $454 a year for the standard cart, higher than 30 of the other 31 Missouri cities we cover. What drives that cost, and would you change anything about the service or the price?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,490 a year, higher than 32 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 $2,490 a year for a typical house, higher than 32 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 Town and Country house costs

What is the property tax rate in Town and Country?

About 5.51% of the value before exemptions a year (2025 tax year, St. Louis County (Parkway school district, tax code 108AD)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Town and Country?

About $27,562 a year on $500,000 of the value before exemptions.

How much is the water bill in Town and Country?

About $167 a month for water and sewer at typical use (6,000 gallons a month) on Missouri American Water.

How much does trash pickup cost in Town and Country?

$38 a month for a house.

When is property tax due in Town and Country?

Dec 31: Real estate taxes due: Property taxes must be paid or postmarked by December 31; later payments are subject to up to 18% interest per year plus a 2% penalty.

How much does a house in Town and Country cost to run each year?

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