Local costs · Missouri
What a home costs across Missouri
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Missouri, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,668 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Missouri charges no state transfer or recording tax on a home purchase.
- Title insurance
- Missouri uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Missouri income tax is modeled at about 3.01% effective for a married household at $100,000 (3.76% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 115 counties in Missouri
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Adair County | 0.77% | $1,230–$2,740typical $1,890 |
| Andrew County | 0.73% | $1,450–$3,230typical $2,230 |
| Atchison County | 1.16% | $1,420–$3,180typical $2,190 |
| Audrain County | 0.79% | $880–$1,960typical $1,350 |
| Barry County | 0.53% | $1,330–$2,970typical $2,050 |
| Barton County | 0.70% | $1,440–$3,220typical $2,220 |
| Bates County | 0.61% | $1,280–$2,860typical $1,970 |
| Benton County | 0.53% | $1,070–$2,380typical $1,640 |
| Bollinger County | 0.57% | $1,510–$3,360typical $2,320 |
| Boone County | 0.85% | $810–$1,810typical $1,250 |
| Buchanan County | 0.77% | $1,130–$2,520typical $1,740 |
| Butler County | 0.67% | $1,250–$2,800typical $1,930 |
| Caldwell County | 0.80% | $1,070–$2,390typical $1,650 |
| Callaway County | 0.77% | $830–$1,860typical $1,280 |
| Camden County | 0.47% | $940–$2,100typical $1,450 |
| Cape Girardeau County | 0.64% | $1,030–$2,310typical $1,590 |
| Carroll County | 0.79% | $1,050–$2,330typical $1,610 |
| Carter County | 0.43% | $1,200–$2,680typical $1,850 |
| Cass County | 0.86% | $1,250–$2,780typical $1,920 |
| Cedar County | 0.62% | $1,270–$2,840typical $1,960 |
| Chariton County | 0.64% | $1,090–$2,440typical $1,680 |
| Christian County | 0.70% | $1,200–$2,670typical $1,840 |
| Clark County | 0.87% | $1,260–$2,810typical $1,940 |
| Clay County | 1.07% | $1,110–$2,480typical $1,710 |
| Clinton County | 0.81% | $1,180–$2,620typical $1,810 |
| Cole County | 0.77% | $890–$1,990typical $1,370 |
| Cooper County | 0.66% | $940–$2,100typical $1,450 |
| Crawford County | 0.56% | $1,030–$2,290typical $1,580 |
| Dade County | 0.62% | $1,380–$3,070typical $2,120 |
| Dallas County | 0.40% | $1,300–$2,900typical $2,000 |
| Daviess County | 0.66% | $1,300–$2,900typical $2,000 |
| DeKalb County | 0.76% | $1,410–$3,150typical $2,170 |
| Dent County | 0.52% | $1,140–$2,540typical $1,750 |
| Douglas County | 0.44% | $1,290–$2,870typical $1,980 |
| Dunklin County | 0.70% | $1,120–$2,490typical $1,720 |
| Franklin County | 0.80% | $980–$2,180typical $1,500 |
| Gasconade County | 0.73% | $940–$2,090typical $1,440 |
| Gentry County | 0.93% | $1,460–$3,260typical $2,250 |
| Greene County | 0.71% | $900–$2,020typical $1,390 |
| Grundy County | 1.00% | $1,210–$2,700typical $1,860 |
| Harrison County | 0.89% | $1,330–$2,960typical $2,040 |
| Henry County | 0.81% | $1,140–$2,540typical $1,750 |
| Hickory County | 0.41% | $1,340–$2,990typical $2,060 |
| Holt County | 0.70% | $1,440–$3,200typical $2,210 |
| Howard County | 0.77% | $940–$2,090typical $1,440 |
| Howell County | 0.50% | $1,090–$2,440typical $1,680 |
| Iron County | 0.68% | $1,290–$2,890typical $1,990 |
| Jackson County | 1.12% | $1,250–$2,800typical $1,930 |
| Jasper County | 0.72% | $1,240–$2,760typical $1,900 |
| Jefferson County | 0.80% | $1,240–$2,760typical $1,900 |
| Johnson County | 0.66% | $940–$2,100typical $1,450 |
| Knox County | 0.83% | $1,220–$2,710typical $1,870 |
| Laclede County | 0.60% | $1,060–$2,360typical $1,630 |
| Lafayette County | 0.73% | $1,010–$2,260typical $1,560 |
| Lawrence County | 0.59% | $1,360–$3,030typical $2,090 |
| Lewis County | 0.71% | $1,190–$2,650typical $1,830 |
| Lincoln County | 0.74% | $1,010–$2,250typical $1,550 |
| Linn County | 0.72% | $1,120–$2,490typical $1,720 |
| Livingston County | 0.81% | $1,130–$2,520typical $1,740 |
| Macon County | 0.69% | $1,160–$2,580typical $1,780 |
| Madison County | 0.71% | $1,450–$3,230typical $2,230 |
| Maries County | 0.51% | $1,010–$2,260typical $1,560 |
| Marion County | 0.82% | $1,050–$2,350typical $1,620 |
| McDonald County | 0.46% | $1,290–$2,890typical $1,990 |
| Mercer County | 0.96% | $1,290–$2,870typical $1,980 |
| Miller County | 0.57% | $940–$2,100typical $1,450 |
| Mississippi County | 0.81% | $1,380–$3,090typical $2,130 |
| Moniteau County | 0.68% | $940–$2,090typical $1,440 |
| Monroe County | 0.80% | $850–$1,890typical $1,300 |
| Montgomery County | 0.76% | $880–$1,960typical $1,350 |
| Morgan County | 0.56% | $920–$2,060typical $1,420 |
| New Madrid County | 0.73% | $1,400–$3,130typical $2,160 |
| Newton County | 0.63% | $1,110–$2,480typical $1,710 |
| Nodaway County | 0.77% | $1,410–$3,150typical $2,170 |
| Oregon County | 0.55% | $1,220–$2,710typical $1,870 |
| Osage County | 0.58% | $990–$2,220typical $1,530 |
| Ozark County | 0.44% | $1,330–$2,960typical $2,040 |
| Pemiscot County | 0.95% | $1,380–$3,070typical $2,120 |
| Perry County | 0.74% | $2,030–$4,520typical $3,120 |
| Pettis County | 0.78% | $1,020–$2,280typical $1,570 |
| Phelps County | 0.64% | $810–$1,810typical $1,250 |
| Pike County | 0.67% | $1,000–$2,230typical $1,540 |
| Platte County | 1.05% | $1,240–$2,770typical $1,910 |
| Polk County | 0.55% | $1,340–$2,990typical $2,060 |
| Pulaski County | 0.61% | $950–$2,120typical $1,460 |
| Putnam County | 1.01% | $1,280–$2,860typical $1,970 |
| Ralls County | 0.73% | $950–$2,120typical $1,460 |
| Randolph County | 0.78% | $880–$1,970typical $1,360 |
| Ray County | 0.80% | $1,050–$2,350typical $1,620 |
| Reynolds County | 0.37% | $1,240–$2,770typical $1,910 |
| Ripley County | 0.46% | $1,140–$2,550typical $1,760 |
| Saline County | 0.78% | $810–$1,810typical $1,250 |
| Schuyler County | 0.79% | $1,270–$2,840typical $1,960 |
| Scotland County | 0.79% | $1,450–$3,230typical $2,230 |
| Scott County | 0.62% | $1,340–$2,990typical $2,060 |
| Shannon County | 0.43% | $1,240–$2,770typical $1,910 |
| Shelby County | 0.86% | $1,120–$2,490typical $1,720 |
| St. Charles County | 1.08% | $1,080–$2,410typical $1,660 |
| St. Clair County | 0.61% | $1,050–$2,350typical $1,620 |
| St. Francois County | 0.70% | $1,200–$2,670typical $1,840 |
| St. Louis city | 1.03% | $970–$2,160typical $1,490 |
| St. Louis County | 1.21% | $980–$2,180typical $1,500 |
| Ste. Genevieve County | 0.63% | $1,370–$3,060typical $2,110 |
| Stoddard County | 0.66% | $1,400–$3,130typical $2,160 |
| Stone County | 0.47% | $1,160–$2,580typical $1,780 |
| Sullivan County | 0.69% | $1,260–$2,810typical $1,940 |
| Taney County | 0.55% | $860–$1,910typical $1,320 |
| Texas County | 0.49% | $1,070–$2,390typical $1,650 |
| Vernon County | 0.67% | $1,070–$2,380typical $1,640 |
| Warren County | 0.69% | $910–$2,030typical $1,400 |
| Washington County | 0.56% | $1,200–$2,680typical $1,850 |
| Wayne County | 0.52% | $1,290–$2,890typical $1,990 |
| Webster County | 0.52% | $1,220–$2,710typical $1,870 |
| Worth County | 0.82% | $1,420–$3,180typical $2,190 |
| Wright County | 0.40% | $1,070–$2,390typical $1,650 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.