Guides / Property Taxes / Missouri

Property Taxes in Missouri

Effective Rate

Missouri's average effective property tax rate is approximately 0.88%–0.91% of assessed home value (multiple sources cluster in the 0.85%–0.93% range depending on methodology: Tax Foundation ~0.89%, SmartAsset ~0.91% in some calculations, propertytaxrates.org 0.88%, PropertyTaxPeek 0.93%). This is meaningfully below the national average of roughly 0.99%–1.06% cited by various trackers, placing Missouri around the #23 spot nationally (middle-tier, on the lower side). Missouri is a local-option state, so actual rates vary enormously by county and taxing jurisdiction — from about 0.34% in Wright County up to roughly 1.14% in St. Louis County, since school districts, municipalities, and special districts each levy their own rates on top of the county rate.

Example: Statewide, the median Missouri homeowner pays approximately $1,887–$1,948 per year in property tax on a median home value of roughly $215,600–$230,300 (figures vary slightly by data source/year, e.g., Tax Foundation-style aggregates vs. Census ACS estimates). Real variation by county is stark: median annual bills range from about $550 in Ripley County to about $3,613 in Platte County, so a homeowner's actual bill depends heavily on which county and school district they're in.

Exemptions

Senior Citizen Property Tax Freeze Credit (SB 190 / SB 756)
Amount: Freezes property tax at the homeowner's 'base year' level; no fixed dollar cap — the credit offsets future increases indefinitely
Authorized statewide by SB 190 (2023) but adoption is a county-by-county opt-in decision, not automatic. Originally required age 65+; SB 756 lowered eligibility to 62+ in adopting counties. Applicant must own and occupy the home as primary residence and be liable for the property taxes. Most populous counties (St. Louis City/County, St. Charles, Jackson, Clay, Boone, Jefferson, Buchanan, etc.) have adopted it; many rural counties have not, so eligibility depends on where you live. Missouri has no general/automatic homestead exemption — this and the credit below are the state's actual relief mechanisms.
Missouri Property Tax Credit ('Circuit Breaker') - MO-PTC/MO-PTS
Amount: Up to $1,100 for qualifying homeowners; up to $750 for qualifying renters
Administered by the Missouri Department of Revenue, filed via Form MO-PTC or MO-PTS attached to Form MO-1040 (2025 claims due April 15, 2026). Restricted to seniors (65+) or disabled residents with limited household income: roughly single filers under $27,200 (renters) and full-year homeowners under $30,000; married filing combined under $29,200 (renters/part-year owners) and up to $34,000 for full-year homeowners. Actual credit amount is calculated on a sliding scale based on income and taxes/rent actually paid, not a flat amount.
Recent property tax legislation (SB 3, enacted June 2025 special session)
Amount: Varies by provision; includes personal property tax changes and local levy adjustments
A wide-ranging 2025 special-session bill that touched stadium financing, disaster tax credits, and property tax system changes; the Missouri legislature has continued debating further property tax reform bills (e.g., HB988) into 2026, so homeowners should watch for additional changes to assessment percentages and personal property tax treatment.

Sources disagree by a few tenths of a percentage point (0.85%–0.93% effective rate; $1,887–$1,948 median bill) because they use different data vintages and methodologies (Census ACS 5-year estimates vs. current assessor rolls vs. Tax Foundation aggregates) — treat any single figure as an approximation, not gospel. The most consequential fact for a Missouri homeowner isn't the statewide average at all: since MO has no blanket homestead exemption, relief is entirely need-based (MO-PTS/MO-PTC income limits) or county-opt-in (SB 190 senior freeze) — so whether you get real relief depends heavily on your county and income, not just your home's value. Check with your specific county assessor/collector for local rates and whether the senior freeze has been adopted locally.

Facts on this page reflect research current as of 2026-07-05. Programs, rates, and laws change — confirm current figures with the relevant state agency before relying on them.

Related Resources
Down Payment Assistance in MissouriTransfer Tax & Closing Costs in MissouriBuyer-Agent Agreements in MissouriSeller Disclosure Laws in MissouriFind Agents in MissouriHome Affordability Calculator