Property tax by ZIP code in Missouri
Enter a Missouri ZIP and see the median property tax paid, median home value, and effective tax rate from the 2020–2024 American Community Survey — plus how it compares to the Missouri state median.
Look up a Missouri ZIP code
Enter a 5-digit Missouri ZIP code above to see its property tax data.
ZIP doesn't have ACS data — typically because it's a PO-box-only ZIP, a single-business ZIP, or a small area where the Census suppresses small-sample estimates. Try a nearby ZIP.
ZIP isn't a Missouri ZIP code. This page covers Missouri only. Other states are launching state by state — check back, or use our state-by-state median page in the meantime.
Missouri's effective property-tax rate is relatively low — around 0.85% of value statewide — for two reasons: home values run below the national median, and only 19% of a home's market value is taxable under Missouri's residential assessment ratio. So the rate applied by local taxing districts sits on a fraction of what your home would sell for.
Enter a 5-digit Missouri ZIP to see its median property tax, median home value, and effective rate from the US Census American Community Survey 2020–2024 vintage, plus how it compares to the Missouri state and US national medians. The explainer below covers the 19% assessment ratio, the two-year reassessment cycle, the Property Tax Credit, and the SB 190 senior freeze.
How Missouri property tax works
In Missouri, your county assessor sets your home's market value, but property is taxed on its assessed value — and for residential real property that's just 19% of market value (RSMo 137.115; agricultural land is assessed at 12% and commercial at 32%). So a home worth $230,000 has an assessed value near $43,700, and the local tax rate is applied to that smaller number — one reason Missouri's effective rate looks low. Real property is reassessed every two years, in odd-numbered years.
Missouri's main statewide relief is the Property Tax Credit ("circuit breaker"), run by the Department of Revenue: homeowners and renters who are 65 or older (or 100% disabled) and under the income limits can claim a credit of up to $1,100 (owners) or $750 (renters) for part of the property tax or rent they paid.
The newer story is the senior property tax freeze. A 2023 law (SB 190, amended by SB 756 in 2024), codified at RSMo 137.1050, lets counties freeze the property tax bill on the homes of eligible owners 62 and older at the initial year's level. It is a local option — it applies only in counties that have adopted it by ordinance or voter petition — so availability and the exact rules vary by county. Check your county's current program before counting on it.
Why your actual bill differs
The numbers above describe a typical homeowner in this ZIP — not your specific bill. A few things move bills away from the median:
- Overlapping levies. Your bill stacks county, school, city, and special-district rates, so two similar homes in different districts can owe different amounts even at the same 19% assessment ratio.
- The two-year reassessment. Because values reset in odd-numbered years, a home reassessed upward can jump relative to the ZIP median in the year the new value takes effect.
- Senior relief. The Property Tax Credit and, in counties that adopted it, the SB 190 freeze pull qualifying older owners' bills below the median.
Missouri has no single statewide bill lookup — you pay your county collector. St. Louis County's online tax lookup is a working example; for other counties, search your county collector's site.
Methodology
Data on this page comes from the US Census American Community Survey 5-year estimates, 2020–2024 vintage (released January 29, 2026), at the ZIP Code Tabulation Area (ZCTA) level. After filtering ZCTAs the Census suppresses for privacy or small-sample reasons, this page covers 917 Missouri ZIPs.
Topcoding in Missouri. The Census caps median property tax at $10,000, reporting anything higher as $10,001. Missouri's moderate home values and 19% assessment ratio keep essentially every ZIP below the cap, so the figures here are true medians.
See the full methodology page for source details (Census table IDs, the comparison-median rule, calculator formulas), how we handle topcoding across every state, and the refresh cadence.
Frequently asked questions
Why is the median tax in my ZIP different from what I pay?
Median is the middle of the distribution, not your bill. Your county assessor sets market value, only 19% of it is taxable, and your bill stacks several overlapping levies. The Property Tax Credit and the local-option senior freeze move qualifying owners further from the median.
Why might my ZIP show $10,001 as the median tax?
That's the Census topcode for privacy, but it's essentially absent in Missouri — moderate values and the 19% ratio keep medians under the $10,000 cap, so the figures here are true medians.
Where do I find my actual Missouri property tax bill?
Through your county collector. Missouri has no statewide portal; St. Louis County's online tax lookup is a working example. The Department of Revenue handles the statewide Property Tax Credit claim, not the bill.
When does Missouri data update on this page?
Annually, when the Census Bureau releases a new ACS 5-year vintage. The 2020–2024 vintage released January 29, 2026. The next vintage (2021–2025) typically follows the next year, though the Census has not yet posted its release date.
Is there a senior property tax freeze in Missouri?
Yes, but it's a local option. SB 190 (2023, amended by SB 756 in 2024) lets counties freeze the bill for eligible owners 62 and older — only where the county has adopted it by ordinance or voter petition. Check your county's current program for availability and rules.