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Updated 2025 Tax Year

St. Clair County
Property Tax Guide

Everything you need to know about property taxes in St. Clair County, MO. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by location due to multiple taxing districts including school, fire, ambulance, and special road districts
1st Due
Dec 31
Exemptions
4+ Available
Section 1

How Property Tax Works

St. Clair County, Missouri operates under the state's property tax system, which funds essential local services including schools, public safety, infrastructure maintenance, and county operations. Property taxes are calculated based on assessed values determined by the county assessor and applied tax rates set by various local taxing jurisdictions. The effective tax rates in St. Clair County typically range around the state average, though actual rates vary significantly depending on your specific location within the county.

Tax rates vary across St. Clair County due to different combinations of special taxing districts, including school districts, fire protection districts, ambulance districts, and special road districts like Collins SRD, Hillsdale SRD, and Lowry City SRD. This means two properties of equal value in different areas of the county may have different tax bills based on which special districts serve their location. Missouri assesses residential property at 19% of true market value, with commercial property assessed at 32% of market value.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General RevenueVariesBasic county operations and services
Street Light DistrictIncluded in compositeStreet lighting maintenance where applicable
School DistrictVaries by districtLocal school funding, varies significantly by location
Fire Protection DistrictVaries by districtFire and emergency services
Ambulance DistrictVaries by districtEmergency medical services
Special Road DistrictsVariesRoad maintenance (Collins, Hillsdale, Lowry City SRDs)
Proposed Composite Rate0.8246Total rate for FY 2025 (subject to August 19, 2025 hearing)

Note: The 0.8246 rate applies to specific areas and includes general revenue and street light components. Your actual tax rate depends on which combination of special districts serve your property location. Final rates will be determined after the August 2025 tax levy hearing.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in St. Clair County, property taxes are due in two installments:

First Installment
Dec 31
Delinquent after Dec 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in St. Clair County are additional property tax bills issued when there are changes to property ownership, value, or use that occur after the regular assessment period. Common triggers include new construction completion, property improvements that increase value, changes in property use classification, or corrections to previous assessments. These supplemental bills ensure that property tax obligations are properly allocated for the current tax year.

When supplemental taxes are levied, they are calculated based on the difference between the old and new assessed values, multiplied by the applicable tax rate, and prorated for the portion of the tax year affected. For example, if you complete a home addition worth $50,000 in market value in March, the supplemental tax would be calculated on the additional assessed value ($50,000 x 19% = $9,500) times your local tax rate, prorated from March through the end of the tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (19%): $57,000
  • Less: Homestead Credit (if applied): Varies
  • Net Taxable Value: ~$57,000
  • Annual Tax (0.8246 rate): $470.02
  • Monthly Escrow: $39.17

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (19%): $114,000
  • Less: Homestead Credit (if applied): Varies
  • Net Taxable Value: ~$114,000
  • Annual Tax (0.8246 rate): $940.04
  • Monthly Escrow: $78.34

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (19%): $190,000
  • Less: Homestead Credit (if applied): Varies
  • Net Taxable Value: ~$190,000
  • Annual Tax (0.8246 rate): $1,566.74
  • Monthly Escrow: $130.56

Note: All tax credits require separate applications and are not automatically applied. Examples use proposed 2025 rate which may change after the August levy hearing.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in St. Clair County require borrowers to maintain an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your lender collects monthly escrow payments along with your mortgage payment, deposits these funds into a separate account, and pays your property taxes directly to the county when due. Lenders typically collect one-twelfth of your annual property tax bill each month, plus additional funds to maintain a cushion as required by federal regulations.

Property taxes in St. Clair County are due in two installments - the first due in July and the second in December. Your lender will pay these installments on your behalf using your escrow funds. Each year, your lender must provide an escrow analysis statement showing the previous year's activity and any adjustments needed for the coming year. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. You can verify payments and balances by contacting your lender or checking the county's online payment records.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

When are property taxes due in St. Clair County for FY 2025? Property taxes are due in two installments: the first installment is due in July 2025, and the second installment is due in December 2025. Contact the St. Clair County Assessor's office for exact dates, as senior citizens can sign up for payment reminders.

What tax credits are available and do they require applications? St. Clair County offers various tax credits including senior citizen credits, veteran credits, and disability credits. All credits require separate applications and are NOT automatically applied to your property. Contact the county assessor's office to determine eligibility and obtain application forms. Application deadlines vary by credit type.

How does the Homestead Credit work? The Homestead Credit limits assessment increases rather than reducing market value. It typically caps annual assessment growth to protect long-term homeowners from dramatic tax increases. You must apply for this credit - it is not automatic. The credit helps stabilize your tax bill by limiting how much your assessed value can increase each year.

How often are properties reassessed in St. Clair County? Missouri law requires reassessment cycles, but specific timing varies by county. Contact the St. Clair County Assessor's office for the current reassessment schedule. You have the right to appeal assessments through a formal appeals process if you believe your property is overvalued.

What are the penalties for late property tax payments? Late payments incur penalties and interest charges. The exact penalty structure and interest rates are set by county ordinance. To avoid penalties, ensure payments are received by the due dates in July and December, or verify that your mortgage lender has made timely payments from your escrow account.

Can I pay property taxes online? Contact the St. Clair County Collector's office to determine available online payment options. Many Missouri counties offer online payment systems, but availability and accepted payment methods vary by county.

Why do tax rates vary within St. Clair County? Your property's location determines which special taxing districts serve you, including specific school districts, fire districts, ambulance districts, and special road districts like Collins SRD, Hillsdale SRD, or Lowry City SRD. Each district sets its own tax rate, creating different total tax rates across the county.

How can I find my exact tax rate? Contact the St. Clair County Assessor's office with your property address to determine which taxing districts apply to your property. Your tax bill will show the breakdown of all applicable district rates that combine to create your total tax rate.

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