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Updated 2025 Tax Year

St. Francois County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
0.8% to 1.2% effective rate (varies by taxing districts), county levy 0.228%
Exemptions
5+ Available
Section 1

How Property Tax Works

St. Francois County, Missouri operates on an annual property tax system that funds essential local services including schools, roads, bridges, and municipal operations. Property taxes are assessed annually based on the assessed value of real estate, which is determined by the County Assessor's Office. The assessment is typically a percentage of the property's fair market value as of January 1st each year.

Actual tax rates in St. Francois County vary significantly by location due to the presence of multiple special taxing districts, including school districts, fire protection districts, road districts, and municipalities like Farmington and Park Hills. While the county's road and bridge levy for 2025 is 0.228%, total effective tax rates typically range from 0.8% to 1.2% when all local taxing jurisdictions are combined. Property owners should expect their specific rate to depend on which city, school district, and special districts serve their property location.

Property tax bills are due annually by December 31st, and the county offers various payment options including online payments, mail, and in-person at the Collector's Office. Property owners may be eligible for certain tax credits that require separate applications and have specific deadlines.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
St. Francois County Road & Bridge0.228%County infrastructure and maintenance (2025 levy year)
School DistrictsVariesRanges by district (Farmington R-VII, North St. Francois, etc.)
Municipal LeviesVariesCity taxes for incorporated areas (Farmington, Park Hills, Bismarck, etc.)
Fire Protection DistrictsVariesLocal fire and emergency services
Ambulance DistrictsVariesEmergency medical services
Special Road DistrictsVariesAdditional road maintenance and improvement

Note: The rates shown are for the 2025 levy year. Total effective rates typically range from 0.8% to 1.2% depending on your specific location within St. Francois County. Contact the County Clerk's Office at (573) 756-4423 for your property's specific tax rate breakdown, as rates vary significantly by special taxing districts.

Section 3

When Are Property Taxes Due?

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

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 property taxes in St. Francois County are additional assessments that occur when there are changes in property ownership, new construction, or improvements that increase a property's assessed value during the tax year. These supplemental bills are calculated based on the difference between the old and new assessed values, prorated for the remaining portion of the tax year.

Common triggers for supplemental taxes include: new home construction completion, major renovations or additions, subdivision of land, or discovery of previously unassessed improvements. The supplemental tax is calculated by taking the increase in assessed value, multiplying it by the applicable tax rate for all local taxing districts, and prorating it from the date the change became effective through December 31st.

For example, if a $50,000 home addition is completed on July 1st, and the total local tax rate is 1.0%, the supplemental tax would be calculated as: $50,000 × 1.0% × 6/12 months = $250. Supplemental tax bills are typically issued within 30-60 days of the assessment change and have the same December 31st due date as regular property taxes.

Example Calculation

Example 1: $300,000 Home Value

  • Assessed Value: $300,000 × 19% = $57,000
  • Less: Senior Credit (if qualified): $0 (requires application)
  • Net Taxable Value: $57,000
  • Tax Rate: 1.0% (estimated total rate)
  • Annual Tax: $570
  • Monthly Escrow: $47.50

Example 2: $600,000 Home Value

  • Assessed Value: $600,000 × 19% = $114,000
  • Less: Homestead Preservation Credit (if qualified): Varies (caps assessment increases)
  • Net Taxable Value: $114,000
  • Tax Rate: 1.0% (estimated total rate)
  • Annual Tax: $1,140
  • Monthly Escrow: $95

Example 3: $1,000,000 Home Value

  • Assessed Value: $1,000,000 × 19% = $190,000
  • Less: Available Credits: Limited at higher values
  • Net Taxable Value: $190,000
  • Tax Rate: 1.0% (estimated total rate)
  • Annual Tax: $1,900
  • Monthly Escrow: $158

Note: All tax credits require separate applications and have specific eligibility requirements and deadlines. Contact the County Assessor for current credit applications and qualification criteria.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in St. Francois County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects 1/12th of your estimated annual property tax bill with each monthly mortgage payment and holds these funds in an escrow account. The lender then pays your property taxes directly to St. Francois County when they become due on December 31st.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected. If property taxes increase due to reassessment or rate changes, your monthly escrow payment may increase. Conversely, if taxes decrease, you may receive a refund or see reduced monthly payments. Missouri law requires lenders to provide advance notice of escrow payment changes.

If you don't have an escrow account, you're responsible for making direct payments to the St. Francois County Collector's Office. The county accepts online payments, checks by mail, and in-person payments. Property owners should verify that payments are received and properly credited to avoid late penalties and potential tax sale proceedings.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in St. Francois County? A: Property taxes are due annually by December 31st for the current tax year. For example, 2025 property taxes were due by December 31, 2025.

Q: What tax credits are available and how do I apply? A: The Missouri Homestead Preservation Credit is available for seniors 65+ with household income of $70,000 or less, and disabled individuals receiving Social Security. This credit caps property tax increases at 2.5% in non-reassessment years or 5% in reassessment years. Applications must be filed after January 1st and by October 15th of the first year you claim the deferral.

Q: Is there a homeowner exemption in St. Francois County? A: Missouri doesn't have a standard homestead exemption, but the Homestead Preservation Credit limits assessment increases for qualified seniors and disabled residents. This requires annual application and income verification.

Q: When does the county reassess properties? A: Missouri conducts property reassessments on odd-numbered years. The next countywide reassessment will occur in 2025, with new values effective for the 2025 tax year.

Q: How can I appeal my property assessment? A: Assessment appeals must be filed with the St. Francois County Board of Equalization by the third Monday in June following the assessment notice. Contact the County Assessor's Office at (573) 756-4825 for appeal forms and procedures.

Q: What are the penalties for late payment? A: Property taxes not paid by December 31st incur interest and penalties. After one year of delinquency, properties may be subject to tax sale proceedings.

Q: Can I pay property taxes online? A: Yes, St. Francois County offers online payment options through their official website. Contact the Collector's Office at (573) 756-4423 for current online payment methods and accepted payment types.

Q: Why did my tax bill change from last year? A: Tax bills can change due to reassessment of your property value, changes in local tax rates voted on by residents, new special district levies, or completion of property improvements. Contact the Assessor's Office to understand specific changes to your assessment.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Tax Rates for County: St. Francoisauditor.mo.gov
02
State
2025 Property Tax Rate Report - Missouri State Auditor's Officeauditor.mo.gov
03
County
April 8, 2025 Sample Ballots - Washington County Clerkwashcoclerkmo.gov
04
Tax Doc
Property Tax Credit FAQs - Missouri Department of Revenuedor.mo.gov
05
Tax Doc
2026 Tax Calendar - Missouri Department of Revenuedor.mo.gov
06
State
Appeal Dates and Deadlines - Real Estatestlouis-mo.gov
07
Homestead exemptionsenate.mo.gov
08
Homestead - Missouri Senate - MO.govsenate.mo.gov
09
FHWA - Value Capture - Highlightsfhwa.dot.gov
10
Tax Doc
Property Tax Credit - Missouri Department of Revenuedor.mo.gov
All sources verified as of 2025 Tax Year

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