St. Charles County Property Taxes
The median property tax rate in St. Charles County is 1.08%, which is higher than the national median of 0.99% but lower than the Missouri state median of 1.20%. With a median home value of $293,699, the typical annual property tax bill in St. Charles County is approximately $3,174, surpassing the national median of $2,690. Property taxes in St. Charles County are calculated based on the tax assessed value, which generally falls below the actual market value due to various property tax exemptions like the primary residence and agricultural exemptions. Understanding St. Charles County's specific property tax system, exploring available exemptions, and identifying opportunities for property tax reductions can provide significant annual savings. Whether you live in St. Charles or another part of the county, gaining a comprehensive knowledge of local property taxes will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
St. Charles County Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
1.08%
Estimate Property Tax Bill
$3,172
Ownwell’s St. Charles Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner to estimate their annual property taxes in St. Charles with just 2 data points. Enter your property's estimated assessed value, and our calculator applies the median tax rate in St. Charles to estimate your property tax bill. This insightful tool helps you understand potential tax liabilities. If you’d like to see trends on a city level, scroll down to navigate to a more local informational page. Your property assessed value is the value assigned to your property by your county for property tax calculations. Assessed value takes into account any exemptions you may have on your property.
Property Tax Rates Across St. Charles County, Missouri
Property taxes in St. Charles County play a crucial role in funding essential local services like public schools, road maintenance, and emergency services. The median tax rate in St. Charles County is 1.08%, which is higher than the U.S. national median of 0.99%. Local government entities within St. Charles County set these rates annually, and they can vary significantly between different areas within the county. Each year, St. Charles County estimates its required budget to maintain services for the upcoming fiscal year and divides this budget by the total value of all taxable property in the jurisdiction, resulting in the property tax rate. Although tax rates and budgets are influenced by laws and voter input, this calculation forms the basic process for setting property tax rates. The following data compares St. Charles County's effective property tax rate with other areas in Missouri and the national median. For comparison, the city of St. Peters has one of the higher property tax rates in Missouri at 1.23%, while the city of Augusta boasts one of the lowest at 0.94%. Analyzing how St. Charles County's tax rates stack up against these benchmarks can give homeowners a better understanding of the local tax landscape.
Average St. Charles County Tax Rate
1.08%
Average Missouri Tax Rate
1.20%
Average United States Tax Rate
0.99%
Property Tax Rates Across St. Charles County, Missouri
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Augusta | 0.87% | 0.91% | 0.94% | 1.00% | 1.03% |
| Cottleville | 1.01% | 1.03% | 1.06% | 1.10% | 1.12% |
| Dardenne Prairie | 0.95% | 0.96% | 0.98% | 1.00% | 1.02% |
| Defiance | 0.87% | 0.91% | 0.95% | 0.99% | 1.05% |
| Foristell | 0.91% | 0.97% | 1.03% | 1.11% | 1.14% |
| Lake Saint Louis | 0.97% | 1.02% | 1.06% | 1.13% | 1.19% |
| Lake St Louis | 1.02% | 1.03% | 1.03% | 1.11% | 1.18% |
| Marthasville | 0.85% | 0.93% | 0.96% | 1.00% | 1.13% |
| New Melle | 0.91% | 0.96% | 0.98% | 1.02% | 1.20% |
| Ofallon | 1.12% | 1.14% | 1.14% | 1.16% | 1.28% |
| O Fallon | 0.99% | 1.04% | 1.08% | 1.14% | 1.20% |
| Portage Des Sioux | 0.96% | 1.03% | 1.11% | 1.15% | 1.29% |
| Saint Charles | 0.95% | 0.99% | 1.05% | 1.10% | 1.18% |
| Saint Peters | 1.01% | 1.08% | 1.13% | 1.18% | 1.23% |
| St Peters | 1.09% | 1.16% | 1.23% | 1.31% | 1.40% |
| Weldon Spring | 0.95% | 0.98% | 1.03% | 1.06% | 1.11% |
| Wentzville | 1.01% | 1.08% | 1.13% | 1.19% | 1.24% |
| West Alton | 0.98% | 1.19% | 1.19% | 1.20% | 1.44% |
Source: Ownwell
Property Tax Assessment Values Across St. Charles County, Missouri
In St. Charles County, understanding the difference between "market value" and "assessed value" is key to comprehending property taxes. The market value represents the price a willing buyer would pay to a willing seller in an open, competitive market, considering location, property condition, and current economic trends. For tax purposes, this value is estimated by the St. Charles Appraisal District. The assessed value, however, is the market value minus any applicable exemptions or limits based on local laws and available programs. The assessed value is then used to calculate your property taxes by multiplying it by the combined tax rates of all relevant taxing entities. Assessment notices in St. Charles County are typically mailed in the spring, usually by the middle of April. These notices provide homeowners with both the market and assessed values, along with an estimate of the annual property tax bill. By distinguishing between these valuation concepts, property owners can better navigate their tax responsibilities and understand how their property taxes are affected. For instance, Lake St. Louis has the highest median tax bill at $8,050, while West Alton has the lowest at $119. Being aware of these valuation processes in St. Charles County will help you identify opportunities for appealing assessments or applying for exemptions to manage your tax burden more effectively.
Property Tax Assessment Values Across St. Charles County, Missouri
Source: Ownwell
$2,839
$381,656
$760,472
Average St. Charles County Assessed Value
$293,699
Average Missouri Assessed Value
$129,505
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across St. Charles County, Missouri
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Augusta | $122,916 | $192,962 | $335,103 | $514,728 | $653,883 |
| Cottleville | $107,130 | $204,405 | $366,530 | $400,126 | $420,284 |
| Dardenne Prairie | $226,283 | $293,506 | $405,545 | $469,192 | $507,381 |
| Defiance | $207,636 | $343,116 | $465,447 | $606,818 | $803,059 |
| Foristell | $102,537 | $249,752 | $336,534 | $497,166 | $655,378 |
| Lake Saint Louis | $218,492 | $278,480 | $365,254 | $461,132 | $591,833 |
| Lake St Louis | $266,619 | $699,850 | $760,472 | $808,838 | $932,164 |
| Marthasville | $113,016 | $248,157 | $333,356 | $452,542 | $603,016 |
| New Melle | $191,648 | $248,652 | $399,151 | $489,725 | $616,637 |
| Ofallon | $57,486 | $57,486 | $57,486 | $360,131 | $752,802 |
| O Fallon | $189,755 | $239,697 | $310,694 | $385,458 | $474,298 |
| Portage Des Sioux | $26,273 | $88,590 | $136,069 | $200,110 | $255,558 |
| Saint Charles | $162,925 | $212,398 | $280,191 | $356,237 | $443,938 |
| Saint Peters | $162,353 | $218,062 | $260,998 | $321,000 | $400,915 |
| St Peters | $8,235 | $22,468 | $80,039 | $261,897 | $341,428 |
| Weldon Spring | $227,230 | $376,111 | $489,381 | $645,866 | $803,543 |
| Wentzville | $200,453 | $259,844 | $316,806 | $393,348 | $485,722 |
| West Alton | $3,330 | $8,000 | $10,000 | $85,004 | $148,422 |
Source: Ownwell
Property Tax Bills Across St. Charles County, Missouri
In St. Charles County, MO, property tax bills are calculated based on the assessed value of a home, which is a percentage of its market value. The assessed value is then multiplied by the local tax rate to determine the annual tax bill. For instance, with a median home price of $293,699, homeowners can expect varying tax bills. At the 25th percentile, the tax bill is around $2,450, while at the 75th percentile, it rises to approximately $4,074. The 90th percentile sees tax bills as high as $5,174. Several factors influence the final tax bill, including the property's assessed value, local tax rates, and applicable exemptions. Homeowners in St. Charles County experience a range of tax bills, with Lake St. Louis having the highest median at $8,050, contrasting sharply with West Alton’s lowest median of $119. These variations significantly impact homeowners, as higher tax bills can affect affordability and long-term financial planning. Understanding these factors is crucial for effective property tax management.
Average St. Charles County Tax Bill
$3,174
Average Missouri Tax Bill
$1,606
Average United States Tax Bill
$2,690
Property Tax Bills Across St. Charles County, Missouri
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Augusta | $1,243 | $1,851 | $3,092 | $4,746 | $6,058 |
| Cottleville | $862 | $1,437 | $2,397 | $3,356 | $3,932 |
| Dardenne Prairie | $1,956 | $2,323 | $2,935 | $3,546 | $3,913 |
| Defiance | $1,798 | $3,160 | $4,317 | $5,691 | $7,897 |
| Foristell | $2,035 | $2,596 | $3,655 | $5,327 | $7,005 |
| Lake Saint Louis | $2,120 | $2,856 | $3,828 | $5,008 | $6,442 |
| Lake St Louis | $2,776 | $7,565 | $8,050 | $8,611 | $9,580 |
| Marthasville | $1,200 | $2,183 | $3,062 | $4,169 | $5,873 |
| New Melle | $1,898 | $2,387 | $3,902 | $4,400 | $5,369 |
| Ofallon | $656 | $656 | $656 | $3,799 | $9,353 |
| O Fallon | $2,028 | $2,603 | $3,391 | $4,154 | $5,078 |
| Portage Des Sioux | $338 | $967 | $1,529 | $2,201 | $2,700 |
| Saint Charles | $1,732 | $2,217 | $2,900 | $3,714 | $4,804 |
| Saint Peters | $1,792 | $2,447 | $2,964 | $3,612 | $4,521 |
| St Peters | $109 | $310 | $873 | $2,877 | $3,698 |
| Weldon Spring | $2,309 | $3,670 | $4,952 | $6,578 | $8,312 |
| Wentzville | $2,168 | $2,897 | $3,597 | $4,446 | $5,526 |
| West Alton | $42 | $96 | $119 | $1,039 | $1,740 |
Source: Ownwell