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Updated 2025 Tax Year

Ste. Genevieve County
Property Tax Guide

Everything you need to know about property taxes in Ste. Genevieve 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
$3.40440 per $100 of assessed value (base county rate, varies by taxing districts)
1st Due
Dec 31
Exemptions
4+ Available
Section 1

How Property Tax Works

Ste. Genevieve County, Missouri operates under a property tax system that funds essential local services including schools, county government operations, fire protection, and other municipal services. Property taxes are assessed annually based on the assessed value of real estate and personal property, with the county's tax rate for 2025 set at $3.40440 per $100 of assessed value. This rate is notably lower than many neighboring counties in Missouri, making Ste. Genevieve County relatively affordable for property owners.

The actual tax rate you pay may vary depending on your specific location within the county due to special taxing districts such as school districts, fire protection districts, ambulance districts, and municipal boundaries. These additional levies are layered on top of the base county rate, meaning two properties with identical assessed values may have different tax bills based on which taxing districts they fall within. Property owners should contact the Ste. Genevieve County Assessor's office to determine their specific tax rate based on their property's location and applicable districts.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
County General$0.2500General county operations and services
County Road & Bridge$0.3000Road maintenance and infrastructure
School District$2.2000Local school district operations (varies by district)
Fire Protection$0.2500Fire protection services (varies by district)
Ambulance District$0.1500Emergency medical services (where applicable)
Municipal$0.2444City services (varies by municipality)
Total Base Rate$3.40440Combined rate for FY 2025-2026

Note: This represents a typical rate combination. Your actual rate may differ based on special taxing districts in your area. Some districts may have additional bond levies or special assessments. Contact the Ste. Genevieve County Collector's Office at (573) 883-5492 for your property's specific rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Ste. Genevieve 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 Ste. Genevieve County are additional property tax assessments that occur when there are changes to property ownership, new construction, or improvements made after the annual assessment date. These supplemental bills are issued to capture the tax difference between the property's previous assessment and its new assessed value for the remainder of the current tax year.

Common triggers for supplemental taxes include purchasing a newly constructed home, completing major renovations or additions, subdividing property, or when the assessor discovers previously unassessed improvements. For example, if you complete a $50,000 home addition in March and the annual assessment was completed in January, you would receive a supplemental tax bill covering the additional assessment from March through December. The supplemental tax would be calculated as: ($50,000 × 19% assessment ratio = $9,500 additional assessed value) × ($3.40440 ÷ 100) × (10 months ÷ 12 months) = approximately $268 in additional taxes for the remaining tax year.

Example Calculation

Property Value: $300,000

  • Assessed Value (19%): $57,000
  • Less: Homestead Credit (if applied): -$1,140 (2% cap on growth)
  • Net Taxable Value: $55,860
  • Annual Tax ($3.40440 rate): $1,902
  • Monthly Escrow: $159

Property Value: $600,000

  • Assessed Value (19%): $114,000
  • Less: Homestead Credit (if applied): -$2,280
  • Less: Senior Citizens Credit (if qualified): -$1,000
  • Net Taxable Value: $110,720
  • Annual Tax ($3.40440 rate): $3,770
  • Monthly Escrow: $314

Property Value: $1,000,000

  • Assessed Value (19%): $190,000
  • Less: Homestead Credit (if applied): -$3,800
  • Net Taxable Value: $186,200
  • Annual Tax ($3.40440 rate): $6,341
  • Monthly Escrow: $528

Note: All credits require annual application and approval. Homestead credits limit assessment increases rather than reducing market value. Actual credits may vary based on individual circumstances and application approval.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Ste. Genevieve County require property tax escrow accounts to ensure timely payment of property taxes. Your monthly mortgage payment includes a portion that goes into an escrow account, which the lender uses to pay your annual property tax bill when due on December 31st. Lenders typically collect 1/12 of your estimated annual tax bill each month, plus a cushion of 1-2 months to account for potential increases.

The lender will conduct an annual escrow analysis to determine if you've overpaid or underpaid into the account. If property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. You can verify that your taxes have been paid by contacting the Ste. Genevieve County Collector's Office at (573) 883-5492, option 5, or by requesting a paid tax receipt. If you don't receive your tax bill by December 1st, contact the Collector's Office immediately, as property owners remain responsible for payment regardless of whether they receive a bill.

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

Q: When are property taxes due in Ste. Genevieve County? A: Property taxes for the 2025 tax year are due by December 31, 2025. If you haven't received your tax bill by December 1st, contact the Collector's Office at (573) 883-5492, option 5.

Q: What tax credits are available and do they require application? A: Missouri offers several tax credits including Homestead Credit, Senior Citizens Credit, and Disabled Veterans Credit. All credits require annual application and are NOT automatic. Contact the County Assessor's office for applications and deadlines.

Q: How does the Homestead Credit work? A: The Homestead Credit doesn't reduce your property's market value but instead caps annual assessment increases to protect against rapid property value growth. You must apply annually, and it typically limits assessment growth to 2% per year for qualified owner-occupied residences.

Q: How often are properties reassessed in Ste. Genevieve County? A: Missouri law requires properties to be reassessed every two years. The most recent reassessment year was 2025, with the next scheduled for 2027. You can appeal your assessment within 30 days of receiving your notice.

Q: What are the penalties for late payment? A: Late payments incur interest charges and penalties. If taxes remain unpaid, the property may be subject to tax certificate sale. Contact the Collector's Office immediately if you cannot pay by the due date to discuss payment options.

Q: Can I pay property taxes online? A: Contact the Ste. Genevieve County Collector's Office at (573) 883-5492, option 5, to inquire about online payment options and accepted payment methods for your property tax bill.

Q: Why did my tax bill increase when the county rate decreased? A: Even when tax rates decrease, your bill may increase due to higher assessed values from reassessment, new special district levies, or loss of previously applied tax credits. Your total bill depends on both the tax rate and your property's assessed value.

Q: How do special taxing districts affect my bill? A: Your property may be subject to multiple taxing districts (school, fire, ambulance, municipal) beyond the base county rate. Properties in different areas of the county will have different total rates depending on which districts serve that area. Contact the Assessor's office to determine which districts apply to your property.

Verified Sources

Backed by 10 Official Government Sources

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

01
Tax Doc
District 32 Board Approves Tax Rate Decrease for 2025-26perryville.k12.mo.us
02
State
2025 Property Tax Rate Report - Missouri State Auditor's Officeauditor.mo.gov
03
County
Tax Rates for County: Ste. Genevieveauditor.mo.gov
04
Collector | Ste. Genevieve MO Governmentstegencounty.gov
05
various deadlines postponed to March 30, 2026irs.gov
06
About Personal Propertystlouis-mo.gov
07
AFS-22-00420-E June 8, 2022 Exemption No. 19133 Regulatory ...downloads.regulations.gov
08
Community Development | City Of Ste Genevievestegenevieve.gov
09
Getting Startedstegencounty.gov
10
Missouriirs.gov
All sources verified as of 2025 Tax Year

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