St. Charles County, Missouri property tax
The median homeowner in St. Charles County, Missouri pays $3,340 a year in property tax on a home worth $296,800, an effective rate of 1.13%. The national effective rate is 0.98%.
What the rate means here
St. Charles County taxes property at 1.13%, within a rounding error of the national 0.98%. With the rate close to typical, the $3,340 bill is driven by what housing is worth here rather than by how hard it is taxed.
It ranks #4 of 108 Missouri counties by effective rate, against a statewide 0.88%, and #790 nationally. The state runs from 1.22% in St. Louis County down to 0.38% in Wright County.
The median home costs 2.88 times the median household income of $102,912, against 3.86 nationally, which is a comfortable ratio by American standards. 80.69% of occupied homes are owned rather than rented, and cheap housing relative to income is usually why. At 409,830 residents the county is large enough that its median blends several distinct housing markets.
The rate is derived rather than quoted. How and why.
What that costs at different home values
Arithmetic at the county effective rate, before any exemption or assessment cap.
Housing and income
| St. Charles County | Missouri | United States | |
|---|---|---|---|
| Effective property tax | 1.13% | 0.88% | 0.98% |
| Median tax bill | $3,340 | $1,887 | $2,969 |
| Median home value | $296,800 | $215,600 | $303,400 |
| Median gross rent | $1,312 | $996 | $1,348 |
| Median household income | $102,912 | $68,920 | $78,538 |
| Home price to income | 2.88× | 3.13× | 3.86× |
| Rent as share of income | 15.3% | 17.34% | 20.6% |
| Owner-occupied | 80.69% | 67.94% | 65.02% |
Source: U.S. Census Bureau, American Community Survey 2023 five-year estimates. Population 409,830.
Nearby counties of similar size
| County | Rate | Median bill | Home value |
|---|---|---|---|
| Greene County | 0.72% | $1,469 | $203,500 |
| St. Louis city | 1.05% | $1,935 | $185,100 |
| Clay County | 1.10% | $2,817 | $256,400 |
| Jefferson County | 0.84% | $1,835 | $218,800 |
| Boone County | 0.88% | $2,232 | $254,100 |
St. Charles County property tax: common questions
What is the property tax rate in St. Charles County, Missouri?
The effective rate is 1.13% of home value, from a median tax bill of $3,340 against a median home value of $296,800. That is 0.15 points above the national 0.98%.
How much is property tax on a $400,000 home in St. Charles County?
Roughly $4,520 a year at the county effective rate of 1.13%.
Is St. Charles County expensive compared with the rest of Missouri?
It ranks #4 of 108 Missouri counties by effective property tax rate, and #790 of 2,826 nationally. That is 0.25 points above the Missouri average of 0.88%.
What does housing cost in St. Charles County?
The median home is worth $296,800 and median gross rent is $1,312 a month. Median household income is $102,912, which puts the home at 2.88 times annual income and rent at 15.3% of it.