Saint Charles, St. Charles County, Missouri Property Taxes

Name: Property Tax Bills Across Saint Charles, St. Charles County, Missouri
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median SAINT CHARLES, MO effective property tax rate: 1.05%, slightly higher than the national median of 1.02%, but lower than the Missouri state median of 1.20%.
Median SAINT CHARLES, MO home value: $280,191
Median annual SAINT CHARLES, MO tax bill: $2,900, $500 higher than the national median property tax bill of $2,400.

How are property taxes in St. Charles County calculated?

Property taxes in SAINT CHARLES, MO are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding SAINT CHARLES’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in SAINT CHARLES, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Saint Charles, St. Charles County, Missouri Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.05%

Estimate Property Tax Bill

$2,942

$2,730

Ownwell’s Saint Charles Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Saint Charles with just two data points. By entering your property's estimated assessed value, our calculator applies Saint Charles’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in St. Charles. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Saint Charles, St. Charles County, Missouri

Local government entities are responsible for setting tax rates, which can vary significantly within Missouri. The process involves each county estimating its required budget to provide essential services and dividing that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. Although votes and laws play a role in setting these rates and budgets, this is the basic annual procedure.

In Saint Charles, located in St. Charles County, property tax rates can be compared to other cities in the state and the nation. The median property tax rate in Missouri is slightly above the national median, indicating a relatively higher burden on property owners in the state. Saint Charles stands out with its effective property tax rate, which is higher than some areas but lower than others within Missouri. This variation highlights the importance of understanding local tax rates and their impact on property owners. By comparing these rates, property owners can better assess their tax obligations and explore potential savings through appeals or exemptions.

Property Tax Rates Across Saint Charles, St. Charles County, Missouri

Source: Ownwell

0.94%

1.08%

1.23%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Saint Charles Tax Rate

1.05%

Median Effective St. Charles County Tax Rate

1.08%

Median Effective Missouri Tax Rate

1.20%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Saint Charles, St. Charles County, Missouri

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
63301	1.00%	1.04%	1.09%	1.14%	1.28%
63303	0.94%	0.98%	1.03%	1.07%	1.12%
63304	0.93%	0.97%	1.00%	1.05%	1.11%

Source: Ownwell

Property Tax Assessment Values Across Saint Charles, St. Charles County, Missouri

When examining property taxes in Saint Charles, MO, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The St. Charles County appraisal district estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

In St. Charles County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of May. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Saint Charles. For example, the median home price in Saint Charles is $280,191, with tax bills ranging significantly across the county. Zip code 63304 has the highest median home price at $307,304.

Property Tax Assessment Values Across Saint Charles, St. Charles County, Missouri

Source: Ownwell

$10,000

$385,236

$760,472

Median Saint Charles Market Value

$280,191

Median St. Charles County Market Value

$293,699

Median Missouri Market Value

$129,505

Median United States Market Value

$235,294

Property Tax Assessment Values Across Saint Charles, St. Charles County, Missouri

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
63301	$140,114	$192,847	$246,157	$314,445	$406,730
63303	$167,109	$223,480	$297,698	$377,438	$454,710
63304	$199,570	$254,723	$307,304	$363,662	$482,906

Source: Ownwell

Property Tax Bills Across Saint Charles, St. Charles County, Missouri

In Saint Charles, located 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 median home price in the area is $280,191, and the assessed value is used to determine the amount owed. Factors such as local tax rates and any applicable exemptions also influence the final tax bill. Homeowners in Saint Charles face a median property tax bill that can range significantly, with the 25th percentile at $2,217 and the 75th percentile reaching $3,714. Notably, the highest median tax bill in the area is $3,078 in the 63304 zip code, while the lowest is $2,609 in the 63301 zip code. These figures are above the national median tax bill of $2,400. Ownwell can assist homeowners by identifying potential savings through appealing assessed values and ensuring all eligible exemptions are applied, potentially reducing the financial burden of property taxes.

Property Tax Bills Across Saint Charles, St. Charles County, Missouri

Source: Ownwell

$119

$4,085

$8,050

Median Saint Charles Tax Bill

$2,900

Median St. Charles County Tax Bill

$3,174

Median Missouri Tax Bill

$1,606

Median United States Tax Bill

$2,400

Property Tax Bills Across Saint Charles, St. Charles County, Missouri

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
63301	$1,556	$2,092	$2,609	$3,534	$4,732
63303	$1,679	$2,262	$3,069	$3,852	$4,765
63304	$1,973	$2,531	$3,078	$3,675	$4,962

Source: Ownwell