Missouri runs a graduated state income tax in 2026, with rates from 0% up to 4.7% depending on how much you earn, on top of federal income tax and FICA. Single filers get a standard deduction of $16,100. Use the calculators below to see your exact 2026 take-home pay in Missouri, check the sales tax on a purchase, and estimate a mortgage payment with Missouri property taxes factored in.
State Paycheck Calculator 2026
Estimate take-home pay after federal tax, FICA and your state’s income tax for the 2026 tax year.
How it works: the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly) comes off your salary first, then the 2026 federal brackets (10%–37%). FICA is applied properly: 6.2% Social Security on the first $184,500 of wages (2026 wage base), 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above $200,000 single / $250,000 married filing jointly. State tax applies each state’s own standard deduction/exemptions, then its brackets or flat rate. Local income taxes are not included — many cities and counties (e.g. New York City, Philadelphia, most of Ohio, Maryland counties, Indiana counties, Kentucky) levy their own payroll taxes on top of the state tax.
Missouri sales tax calculator
The statewide base sales tax rate in Missouri is 4.225% in 2026. Cities and counties can add their own local tax on top of the base rate — enter any local add-on below to see the full tax and total price.
Sales Tax Calculator 2026
Estimate the sales tax and total price using each state’s base rate (2026), plus any local add-on.
State base rates are the 2026 state-level rates (local add-ons excluded). Actual combined rates vary widely by city and county — many localities add 1–5%. Five states have no statewide sales tax (Alaska, Delaware, Montana, New Hampshire, Oregon), though some localities still levy local taxes.
Mortgage calculator for Missouri homes
The average effective property tax rate in Missouri is about 0.85% of a home’s value per year. When you use the mortgage calculator below, enter roughly that percentage of the home price in the yearly property tax field for a realistic Missouri monthly payment.
Mortgage Payment Calculator
Work out your monthly principal & interest payment, total interest and the true total cost of your loan.
How it works: your loan amount (price minus down payment) is repaid in equal monthly instalments using the standard amortisation formula, so early payments are mostly interest and later ones mostly principal. Property tax and insurance, if entered, are simply spread evenly across each month. Your actual rate and payment will depend on your lender, credit profile and the deal you choose.
$9,436. Earn more taxable income than that in Missouri — and almost every full-time worker does — and you’re already in the top bracket. Eight brackets sounds fussy and progressive. In practice Missouri races through them so fast that it behaves almost like a flat tax, with a couple of big-city earnings taxes waiting underneath if you live or work in Kansas City or St. Louis.
Income tax in Missouri in 2026
On paper, Missouri is progressive with eight narrow brackets:
- 0% on the first $1,348 of taxable income
- 2% starting from $1,348
- 2.5% on the next slice
- 3% on the next slice
- 3.5% on the next slice
- 4% on the next slice
- 4.5% on the next slice
- 4.70% top rate on taxable income over $9,436
Look at how small those steps are. You’ll blow through six brackets before you’ve earned what many people make in a few months. So yes, it’s technically progressive. But for most full-time workers Missouri behaves almost like a flat 4.7% on income above the deduction, with a tiny discount earned on the way up.
The deduction itself is generous — and unusual. Missouri’s standard deduction is $16,100 for a single filer because state law sets it equal to the federal amount. When Washington moves its deduction, Missouri’s moves with it. There’s no personal exemption on top of that, but at $16,100 you won’t miss it much.
One more change to file away: Missouri exempted capital gains from individual income tax starting in 2025. It doesn’t affect wages at all. Sell investments at a profit, though, and Missouri now leaves that gain alone — a sharp break from how most states treat it.
Worked example: $75,000 salary, single filer
Step 1: If you earn $75,000 in Missouri, here’s what actually lands in your account. Subtract the $16,100 standard deduction. Your state taxable income is $58,900.
Step 2: Work through the brackets — 0% on the first $1,348, then 2%, 2.5%, 3%, 3.5%, 4% and 4.5% on the narrow slices, then 4.70% on everything over $9,436. Most of your taxable income sits in that top slice. Total Missouri tax is $2,587.67. On your full $75,000 gross, the effective rate is about 3.5%, held down by the large deduction.
Step 3: Federal income tax, after the federal standard deduction of $16,100, is $7,670.00.
Step 4: FICA comes to $5,737.50 — $4,650.00 for Social Security and $1,087.50 for Medicare.
Step 5: Subtract state, federal and FICA from $75,000 and take-home pay is $59,004.83 a year. That’s about $2,269.42 bi-weekly, before benefits, retirement contributions or any city earnings tax.
Sales tax in Missouri
The state base rate is low: 4.225%. On a $1,000 purchase, the state portion is just $42.25.
Don’t stop there. Missouri’s local add-ons are heavy — cities, counties and special districts pile on, and combined rates often land between 8% and 10%. The catch is that the state rate tells you almost nothing about what you’ll actually pay at a Missouri register. Your ZIP code decides that.
Property tax in Missouri
The average effective property tax rate is 0.85%. Statewide average, remember — your county’s levies and your home’s assessed value set the real number.
On a $300,000 home, that average works out to about $2,550 a year. It’s below the rates in states like Michigan and Massachusetts, and it helps keep Missouri ownership costs manageable. Still, averages hide a lot: a home in a high-levy school district will cost more than the same-priced home in a rural county, so check the specific property before you fall in love with it.
Frequently asked questions
Why does Missouri have eight brackets if the top rate starts so low?
History and gradual tinkering. The brackets are so narrow — the top 4.70% rate starts at just $9,436 of taxable income — that most workers pass through them almost immediately, which is why the system feels flat in practice.
What is the Kansas City and St. Louis earnings tax?
Each city levies a 1% earnings tax, and it applies if you live OR work in the city. Commute in from the suburbs and you still owe it on city earnings. Our calculator does not include it.
Is Missouri’s standard deduction always the same as the federal one?
Yes, by statute. The state ties its deduction to the federal amount — $16,100 for a single filer in this example — so it changes when the federal figure changes.
Are capital gains taxed in Missouri?
Not anymore for individuals. Missouri exempted capital gains from individual income tax starting in 2025, though your wages are taxed as normal.
Why was my sales tax nearly 9% when the state rate is 4.225%?
Local add-ons. Cities, counties and districts stack their own taxes on the state base, and combined rates of 8% to 10% are common across Missouri.
Before you trust a Missouri budget, test it: put your salary in the paycheck calculator on this page, then try the sales tax and mortgage calculators with your actual ZIP-level costs and home price.
This calculator is for guidance only and isn’t financial advice.