St. Louis County Personal Property Tax Calculator (Eureka/Rockwood)
Free St. Louis County personal property tax calculator for Eureka and Rockwood School District. Calculate your exact property tax based on 2026 rates. Includes commercial surcharge.
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.
St. Louis County Property Tax Calculator (Eureka/Rockwood School District)
Select your property type
Enter the estimated market value of your property
Important: This calculator is for estimation purposes only and is based on 2026 tax rates for the City of Eureka/Rockwood School District in St. Louis County, Missouri. Actual tax bills may vary based on exemptions, special assessments, and rate changes. Contact the St. Louis County Collector's Office for official tax information.
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)
| Property Type | Tax Rate per $100 | Additional Surcharge |
|---|---|---|
| Residential | $7.4638 | None |
| Commercial | $7.5928 | +$1.70 |
| Agricultural | $7.4868 | None |
| Personal Property | $7.7088 | None |
| Manufacturing | $7.7088 | None |
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)
- Rockwood School District: 52% ($3.8826 per $100)
- Eureka Fire Protection District: 16% ($1.2009 per $100)
- Special School District: 13% ($0.9648 per $100)
- St. Louis Community College: 3.5% ($0.2628 per $100)
- City of Eureka: 3.5% ($0.2600 per $100)
- 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
| Location | Effective Rate | $400K Home Annual Tax |
|---|---|---|
| St. Louis County (Eureka) | ~1.42% | $5,672 |
| St. Louis City | ~2.00% | $8,000 |
St. Louis County wins with lower rates and better services in many areas.
Missouri vs. Other States
| State | Average Effective Rate | $400K Home |
|---|---|---|
| Missouri | 0.93% | $3,720 |
| Illinois | 2.08% | $8,320 |
| New Jersey | 2.47% | $9,880 |
| Texas | 1.60% | $6,400 |
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:
- Collects 1/12th of annual taxes with each mortgage payment
- Holds funds in escrow account
- 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:
- Interest accrues (typically 1-2% per month)
- Penalties added
- After 3 years, county can sell tax lien
- 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
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