Finance

Missouri Personal Property Tax Calculator (Vehicle)

Q: How is Missouri vehicle property tax calculated?

Your vehicle is assessed at **33⅓% of market value**, then taxed at your county's **total levy per $100** of that assessed value. A $15,000 car is assessed at $5,000; at a $7.00 levy the tax is **$350**.

Q: What is the assessment ratio for cars in Missouri?

**33⅓%** (one-third) of market value, set statewide by **RSMo 137.115**. It is the same in every county — only the levy rate changes by location.

Q: Why is my neighbor's car tax different?

Because the **levy varies by taxing district**. Even within a county, your city, school district, and special districts change the combined rate, so identical cars can owe different amounts.

Q: What market value does Missouri use?

Assessors generally use the **N.A.D.A.** trade-in value as of **January 1**. You are taxed based on what you owned on that date, regardless of whether you sell the car later in the year.

Q: When is Missouri personal property tax due?

Bills are mailed in the fall and are generally **due by December 31**. You must also file a **personal property declaration** with your assessor, typically by **March 1–April 1**.

Q: Where do I find my county's levy rate?

Your **county collector or assessor** publishes the combined levy per $100 for each taxing district. Many counties also offer an online estimator. Enter that rate into this calculator for an accurate figure.

Q: Do I owe tax if I moved to Missouri recently?

You are taxed where you **lived and garaged the vehicle on January 1**. If you moved into Missouri after January 1, you generally would not owe Missouri personal property tax until the following year — confirm with the assessor.

Estimate your Missouri vehicle personal property tax. Enter your car's market value and your county's total levy per $100. The tool applies the statewide 33⅓% assessment ratio to show your assessed value and annual tax.

Data verified · July 2026
Edited by Martín Rodríguez
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Data updated: Jan 1, 2026 · Source: Missouri State Tax Commission

Edited by: Martín Rodríguez (editorial policy )

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Missouri charges an annual personal property tax on vehicles, collected by your county collector. The calculation has two steps set by different authorities.

First, the assessed value is fixed statewide by law: personal property like cars is assessed at 33⅓% of market value (RSMo 137.115). A vehicle worth $15,000 has an assessed value of $5,000. The market value used is generally the N.A.D.A. value as of January 1.

Second, your total levy — the combined tax rate for your county, city, school district, and other local entities — is applied per $100 of that assessed value. Levies vary widely by address, so this tool asks you to enter your local levy (replace the placeholder with your county's actual rate).

Enter your vehicle's market value and your county's total levy to see your assessed value and estimated annual tax.

When to use this calculator

Estimate your annual Missouri vehicle property tax.
See your car's assessed value at the 33⅓% ratio.
Compare tax under different county levy rates.
Check the tax before buying or registering a vehicle.
Budget for the December personal property tax bill.
See the effective tax rate on your car's value.
Estimate tax for a move to a different Missouri county.
Understand how assessed value differs from market value.

Missouri vehicle assessed value at 33⅓% of market value

Market value	Assessed value (33⅓%)	Tax at $6.00 levy	Tax at $8.00 levy
$6,000	$2,000	$120	$160
$12,000	$4,000	$240	$320
$15,000	$5,000	$300	$400
$24,000	$8,000	$480	$640
$30,000	$10,000	$600	$800

Source: RSMo 137.115 (33⅓% assessment ratio). Tax columns use example levies of $6.00 and $8.00 per $100 of assessed value; your county's actual total levy varies by district — get it from your county collector.

How it works

How Missouri vehicle tax is calculated

Assessed value = market value × 33⅓%   (RSMo 137.115, personal property)
Annual tax     = assessed value ÷ 100 × total levy ($ per $100)

The 33⅓% ratio is statewide and does not change by county. What changes is the levy — the sum of all the taxing districts at your address (county, city, school, library, fire, etc.). That is why two people with identical cars can owe very different amounts.

Assessed value at 33⅓%

Market value	Assessed value (33⅓%)
$6,000	$2,000
$12,000	$4,000
$15,000	$5,000
$24,000	$8,000
$30,000	$10,000

Where the tax varies

Only the levy varies. A $5,000 assessed value at a $6.00 levy is $300; at $8.50 it is $425. Metro counties (St. Louis, St. Charles, Jackson, Greene) publish their combined rates per $100 — get yours from the county collector for an exact figure.

Key dates

Assessment date: January 1 (you are taxed on what you owned that day).

Declaration deadline: typically March 1–April 1 — file your personal property declaration with the assessor.

Payment: bills go out in the fall and are generally due December 31; late payment adds penalties.

A note on value

Missouri assessors generally use the N.A.D.A. trade-in value as of January 1. Recent law has aimed to smooth year-to-year swings in vehicle values, but the 33⅓% ratio itself is unchanged.

Disclaimer

Educational estimate. The default levy is an example only — your actual tax depends on your county's official combined levy, the assessor's value for your specific vehicle, and any waivers or proration. Confirm with your county collector and assessor.

Example: $15,000 vehicle, $7.00 levy per $100

Assessed value = $15,000 × 33⅓% = $5,000.

Tax = $5,000 ÷ 100 × $7.00 = $350.00.

Effective rate = $350 ÷ $15,000 = 2.33% of market value.

About $350 in annual personal property tax

Frequently asked questions

How is Missouri vehicle property tax calculated?

Your vehicle is assessed at 33⅓% of market value, then taxed at your county's total levy per $100 of that assessed value. A $15,000 car is assessed at $5,000; at a $7.00 levy the tax is $350.

What is the assessment ratio for cars in Missouri?

33⅓% (one-third) of market value, set statewide by RSMo 137.115. It is the same in every county — only the levy rate changes by location.

Why is my neighbor's car tax different?

Because the levy varies by taxing district. Even within a county, your city, school district, and special districts change the combined rate, so identical cars can owe different amounts.

What market value does Missouri use?

Assessors generally use the N.A.D.A. trade-in value as of January 1. You are taxed based on what you owned on that date, regardless of whether you sell the car later in the year.

When is Missouri personal property tax due?

Bills are mailed in the fall and are generally due by December 31. You must also file a personal property declaration with your assessor, typically by March 1–April 1.

Where do I find my county's levy rate?

Your county collector or assessor publishes the combined levy per $100 for each taxing district. Many counties also offer an online estimator. Enter that rate into this calculator for an accurate figure.

Do I owe tax if I moved to Missouri recently?

You are taxed where you lived and garaged the vehicle on January 1. If you moved into Missouri after January 1, you generally would not owe Missouri personal property tax until the following year — confirm with the assessor.

How can I lower or waive the tax?

If you did not own any taxable personal property on January 1 (for example, a new resident), you may qualify for a tax waiver from the assessor. Otherwise the tax is based on the fixed 33⅓% ratio and your local levy.

Sources & references

Methodology & trust

Editorial

Finance calculator with its formula verified automatically against Missouri State Tax Commission — assessment definitions (33⅓% personal property), per our editorial policy and methodology.

Updates

Updated: July 2026. Parameters are verified periodically against the cited sources.

Privacy

Calculations run 100% in your browser. We do not store or transmit your data.

Limitations

Indicative results. For critical decisions, consult a professional.

📌 How to cite this calculator

Rodríguez, M. (2026). Missouri Personal Property Tax Calculator (Vehicle). Hacé Cuentas. https://hacecuentas.com/en/missouri-personal-property-tax-vehicle-calculator

Content licensed under CC-BY 4.0 — reuse it citing the source with a link to Hacé Cuentas.

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