Missouri Property Tax Calculator 2026

The Missouri Property Tax Calculator is a free, browser-based tool that estimates your annual and monthly Missouri property tax from a home's market value, using the statewide 0.91% effective rate and the 19% residential assessment ratio. It also shows the assessed value and implied levy behind the bill. Nothing you enter leaves your browser.

How Missouri Property Tax Works

Property tax in Missouri is an annual tax levied on real estate by local governments — primarily counties, municipalities, and school districts. The amount you owe is determined by your property's assessed value multiplied by the local mill rate. The statewide effective rate is approximately 0.91% of market value, placing Missouri 0.19% below the national average of 1.10%.

The effective rate combines all local levies: county tax, municipal tax, school district tax, and any special assessments. Because Missouri has multiple taxing jurisdictions, your actual rate depends heavily on where in the state your property is located. The 0.91% figure is a weighted average across all Missouri counties.

On the median Missouri home valued at $214,000, the typical annual property tax bill is about $1,947 — or roughly $162 per month when paid through a mortgage escrow account.

Who Collects Property Tax in Missouri — and How Rates Are Set

In Missouri, property taxes are assessed and collected at the county level. Each county has an assessor who determines property values and a treasurer (or equivalent office) who collects taxes. The state sets the framework and maximum rates; counties, municipalities, and school districts each add their own levies within those limits.

Mill rates (expressed as dollars of tax per $1,000 of assessed value) are set annually based on local budget needs. A mill rate of 10 equals a 1.0% effective rate. Most jurisdictions reassess properties every one to four years, though some reassess annually. If your home's market value rises faster than neighboring properties, your share of the tax burden can increase even if the mill rate stays the same.

To find your exact rate, contact your Missouri county assessor's office or check your county's official website. Your most recent property tax bill will also show the breakdown of all levies applied to your parcel.

Missouri Property Tax Exemptions and Relief Programs

Missouri offers homestead exemptions and may provide additional relief for seniors, veterans, and disabled residents. Contact your county assessor for details on available exemptions.

Veterans may qualify for a partial or full exemption depending on disability rating and service history. Agricultural land often receives a preferential assessment based on use-value rather than market value. If you believe your assessment is incorrect, you have the right to appeal — typically within 30 to 90 days of receiving your assessment notice.

To apply for any exemption, contact your county assessor. Most exemptions require an annual or one-time application and proof of eligibility (residency, age, disability documentation, etc.).

Missouri's 19% Assessment Ratio and the Senior Property Tax Freeze

Missouri taxes residential property on 19% of its market value, not the full value. A home worth $250,000 has an assessed value of $47,500, and the local levy is applied to that figure. Agricultural land is assessed on productive use and commercial property at a higher ratio, which is why one county's levy rate produces very different bills on different property types. Reassessment runs on a two-year cycle in odd-numbered years, so values typically hold steady for a year and then step, which is why a bill can jump sharply one year and not move at all the next.

The bigger recent change is the senior freeze created by Senate Bill 190. It lets a county grant an eligible senior a credit equal to the difference between the current year's real property tax on their homestead and the tax in the year they first became eligible — in effect freezing the bill at that starting level. Eligibility runs off being eligible for Social Security retirement benefits, owning or holding a legal or equitable interest in the homestead, and being liable for the tax on it. The catch is that it is opt-in by county: the county has to adopt an ordinance, or voters have to approve it by petition. Many Missouri counties now participate and many do not, so check with your county collector before assuming your bill is capped. Sources: Missouri Senate — SB 190 (truly agreed text) and Missouri Department of Revenue — Property Tax Credit. Last updated 2026-08-17.

Market Value vs Assessed Value: How to Read Your Missouri Tax Bill

Most people compare a Missouri tax bill against the wrong number. The bill does not show a percentage of what your house is worth — it shows a levy applied to 19% of what your house is worth. That single step is why a Missouri levy rate looks alarmingly high next to the 0.91% effective rate quoted for the state, and why two counties with similar bills can advertise very different rates.

Work it through on a $214,000 home. Market value is $214,000. Assessed value is 19% of that, or $40,660. The statewide effective rate of 0.91% produces a bill of about $1,947. Divide that bill by the assessed value and you get an implied levy of roughly 4.79% of assessed value, usually printed on the bill as about $4.79 per $100 of assessed valuation or 47.9 mills. All three numbers describe the same tax. The calculator above now prints the assessed value and the implied levy alongside the annual figure so you can line them up against your own bill directly.

When you check your assessment, this is the order to read it in: confirm the market value the assessor assigned, confirm it was multiplied by 19% (not by 12% for agricultural or 32% for commercial), then confirm the levy applied is the one your taxing districts actually set. An error at the first step is the most common and the easiest to appeal, because you can rebut it with recent comparable sales. For where Missouri sits against other states on effective rate, see the Tax Foundation property taxes by state and county data. Last updated 2026-08-24.

Tips to Manage Your Missouri Property Tax Bill

First, verify your assessment is accurate. Review your property record card at the county assessor's office and check for errors in square footage, bedroom/bathroom count, or lot size. Even small errors can inflate your assessed value and tax bill. If the assessment seems high, look up recent sale prices of comparable homes in your neighborhood and file an appeal if warranted.

Second, apply for every exemption you qualify for. Homestead, senior, veteran, and disability exemptions can reduce your taxable value by thousands of dollars. Third, if your mortgage servicer handles tax payments through escrow, review your escrow statement annually. Servicers sometimes over-estimate and hold excess funds — you may be entitled to a refund. Finally, Missouri property taxes are due December 31 each year.

Missouri Personal Property Tax on Cars and the 33⅓% Ratio

This calculator covers real property — your house and land. Missouri also taxes personal property, and for most households that means vehicles. Cars, trucks, boats, trailers and motorcycles are assessed at 33⅓% of true value, not the 19% used for a residence, and the county applies the same local levy to that figure. Work it the same way as the box above: a vehicle valued at $20,000 has an assessed value of about $6,667, and at the statewide-average implied levy of roughly $4.79 per $100 of assessed value that produces a bill near $319. Because the ratio is nearly double the residential one, a two-car household often pays more personal property tax than the arithmetic on their home value would suggest.

Two dates matter. You must file a personal property declaration with your county assessor by March 1, listing what you owned on January 1 — miss it and counties can add a penalty. The resulting bill is then due December 31, the same deadline as the real property bill, and Missouri requires a paid personal property tax receipt before you can renew a licence plate. Vehicle values are set from a standard trade-in guide as of January 1, so selling a car in February does not remove it from that year's bill. See the Missouri Department of Revenue — Property Tax Credit and the Tax Foundation county property tax data. Last updated 2026-08-31.