St. Louis County Personal Property Tax Calculator (Eureka/Rockwood)

St. Louis County Property Tax Calculator (Eureka/Rockwood School District)

Calculate your exact property tax for properties in the City of Eureka/Rockwood School District area of St. Louis County, Missouri. This calculator uses official 2026 tax rates and includes the commercial surcharge for commercial properties.

How St. Louis County Property Taxes Work

Property taxes in St. Louis County are based on the assessed value of your property, not the market value. The assessed value is a percentage of your property's market value, determined by Missouri state law:

• Residential Real Estate: 19% of market value
• Commercial Real Estate: 32% of market value
• Agricultural Land: 12% of market value
• Personal Property: 33.33% of market value
• Manufacturing: 33.33% of market value

2026 Tax Rates (Eureka/Rockwood School District)

Total Tax Rates (per $100 of Assessed Valuation)

Important: Commercial properties pay an additional $1.70 per $100 of assessed value as a county surcharge, bringing the total commercial rate to $9.2928 per $100.

Tax Distribution Breakdown

Your property tax supports multiple local and state services:

Major Recipients (Residential Example)

1. Rockwood School District: 52% ($3.8826 per $100)
2. Eureka Fire Protection District: 16% ($1.2009 per $100)
3. Special School District: 13% ($0.9648 per $100)
4. St. Louis Community College: 3.5% ($0.2628 per $100)
5. City of Eureka: 3.5% ($0.2600 per $100)
6. Other Services: 12% (Zoo/Museum, Library, County Services, etc.)

Example Calculations

Residential Property

$400,000 home in Eureka:

• Market value: $400,000
• Assessed value (19%): $76,000
• Tax rate: $7.4638 per $100
• Annual tax: $5,672
• Monthly: $473

Commercial Property

$500,000 commercial building:

• Market value: $500,000
• Assessed value (32%): $160,000
• Base tax rate: $7.5928 per $100 = $12,148
• Commercial surcharge: $1.70 per $100 = $2,720
• Annual tax: $14,868
• Monthly: $1,239

How to Lower Your Property Tax

1. Challenge Your Assessment

If you believe your property is over-assessed, you can appeal to the St. Louis County Board of Equalization. The appeal window typically opens in July.

When to appeal:

• Recent sales of similar properties are lower
• Property damage or deterioration
• Incorrect property information on file

2. Apply for Exemptions

Homestead Exemption (Seniors 65+):

• Must be primary residence
• Income limits apply
• Can save several hundred dollars annually

Disabled Veteran Exemption:

• 100% service-connected disabled veterans
• Can exempt up to $6,000 of assessed value

Agricultural Use Assessment:

• If you use land for farming/agriculture
• Much lower assessment ratio (12%)

3. Senior Tax Freeze (Circuit Breaker)

Missouri seniors may be eligible for property tax credits:

• Age 65+ or 100% disabled
• Annual income under $30,000 (single) or $34,000 (married)
• Credit for taxes exceeding certain percentage of income

Payment Options

St. Louis County Property Tax Payment Schedule

Annual Payment:

• Due: December 31st
• Pay full year at once

Semi-Annual Payment:

• 1st half due: December 31st
• 2nd half due: June 30th (following year)

Important: Late payments incur interest and penalties!

Comparing St. Louis County to Other Areas

St. Louis County vs. St. Louis City

St. Louis County wins with lower rates and better services in many areas.

Missouri vs. Other States

Missouri is middle-of-the-pack nationally, with rates higher than Tennessee/Alabama but lower than Illinois/New Jersey.

Tax Increases: What to Expect

Historical Trends

St. Louis County property tax rates have been relatively stable:

• 2020-2023: ~2-3% annual increases
• 2024-2026: ~3-4% increases (inflation, school funding)

Future Outlook

Factors driving increases:

• School district funding needs
• Pension obligations
• Infrastructure improvements
• Fire/police services

Expect: 3-5% annual increases going forward

Frequently Asked Questions

When will I receive my property tax bill?

Bills are mailed in November each year for the current tax year.

Can I pay my property taxes monthly?

No, St. Louis County doesn't offer monthly payments. You can pay annually or semi-annually. However, most mortgage lenders include property taxes in your monthly payment via escrow.

What if I just bought a house?

If you purchased mid-year, the seller typically pays taxes through closing date (prorated). Your first bill will be the following December.

How does an escrow account work?

Your mortgage lender:

1. Collects 1/12th of annual taxes with each mortgage payment
2. Holds funds in escrow account
3. Pays your property tax bill directly to the county

This spreads the cost across 12 months.

What if I disagree with my assessment?

You can appeal to the St. Louis County Board of Equalization:

• File between July 1 - August 15 (typically)
• Provide evidence (recent appraisal, comparable sales)
• Decision usually within 60 days

Are property taxes deductible on federal taxes?

Yes! Property taxes are deductible on Schedule A (itemized deductions), subject to the $10,000 SALT (State and Local Tax) cap.

What happens if I don't pay my property taxes?

Serious consequences:

1. Interest accrues (typically 1-2% per month)
2. Penalties added
3. After 3 years, county can sell tax lien
4. Tax lien buyer can foreclose on your property

Don't ignore property taxes!

Calculate Your Property Tax Now

Ready to see your exact property tax? Use our calculator above to estimate your annual and monthly property tax payments for properties in the Eureka/Rockwood School District area of St. Louis County.

Need help? Contact the St. Louis County Collector's Office at (314) 615-5275 or visit their website for official information.

Last Updated: January 2, 2026 | Data Source: St. Louis County Collector's Office