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Updated 2025 Tax Year

Adair County
Property Tax Guide

Everything you need to know about property taxes in Adair County, MO. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.8% to 1.2% of assessed value (varies by taxing district)
1st Due
Dec 31
Exemptions
4+ Available
Section 1

How Property Tax Works

Adair County, Missouri operates under the state's property tax system, which serves as the primary funding mechanism for local government services, public schools, emergency services, and infrastructure maintenance. Property taxes in Missouri are administered at the county level, with the Adair County Assessor responsible for determining assessed values and the County Collector handling tax collection and distribution to various taxing districts.

Property tax rates in Adair County vary significantly by location within the county due to overlapping special taxing districts, including school districts, fire protection districts, ambulance districts, and other municipal services. The effective tax rate typically ranges from approximately 0.8% to 1.2% of assessed value, depending on your specific location and the combination of taxing districts that serve your property. All property is assessed at its fair market value as of January 1st each year, with tax bills reflecting the various levies approved by local governmental entities.

Section 2

What Makes Up Your Tax Bill

ComponentEstimated Rate RangeDescription
County General$0.30-$0.50 per $100Basic county operations and services
School District$3.50-$4.50 per $100Local school district operations and debt service
Road & Bridge$0.25-$0.40 per $100County road maintenance and improvements
Emergency Services$0.15-$0.35 per $100Ambulance and fire protection districts
Municipal/City$0.20-$0.60 per $100City services (if within city limits)
Special Districts$0.10-$0.30 per $100Various special purpose districts

Note: These rates are estimates for planning purposes as the 2025 tax rates are still being finalized by local authorities and will be set by August 2025. Actual rates vary significantly based on your property's location within specific taxing districts. Contact the Adair County Assessor for your exact rate breakdown once 2025 rates are published.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Adair County, property taxes are due in two installments:

First Installment
Dec 31
Delinquent after Dec 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Missouri are triggered by significant changes to property that occur after the January 1st assessment date, primarily new construction, major improvements, or ownership transfers that reveal previously unreported improvements. These taxes are calculated based on the difference between the original assessed value and the new assessed value, prorated for the remaining months in the tax year.

For example, if you complete a $50,000 home addition in June, and your property is assessed at 19% of market value (typical residential rate), the additional assessed value would be $9,500. If your combined tax rate is $4.20 per $100 of assessed value, the supplemental tax would be approximately $399 ($9,500 × 0.042), prorated for 7 months (June through December), resulting in a supplemental bill of about $232.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value (19% of market): $57,000
  • Available Tax Credit (Senior/Disability - requires application): -$750
  • Net Taxable Value: $56,250
  • Annual Tax (at 4.2% rate): $2,363
  • Monthly Escrow Amount: $197

Example 2: $600,000 Home

  • Assessed Value (19% of market): $114,000
  • Available Tax Credit (Homestead - requires application): -$1,100
  • Net Taxable Value: $112,900
  • Annual Tax (at 4.2% rate): $4,742
  • Monthly Escrow Amount: $395

Example 3: $1,000,000 Home

  • Assessed Value (19% of market): $190,000
  • Available Tax Credit (if applicable - requires application): -$0
  • Net Taxable Value: $190,000
  • Annual Tax (at 4.2% rate): $7,980
  • Monthly Escrow Amount: $665

Note: All tax credits require separate applications and eligibility verification. Credits shown are maximum amounts and may vary based on income and other qualifying factors.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Adair County require property tax escrow accounts, collecting monthly payments along with your mortgage principal and interest. Lenders typically collect 1/12 of your estimated annual tax bill each month, plus a cushion of up to two months' worth of taxes as required by federal law. Your lender will pay your property taxes directly to the Adair County Collector when they become due.

Property tax bills in Missouri are typically mailed in November and become payable immediately, with a delinquency date that varies by county. Your mortgage servicer should receive and pay these bills on your behalf if you have an escrow account. You can verify payment and view tax records through the Adair County Collector's office. If your taxes increase significantly due to reassessment or new levies, your lender may require an escrow account analysis and adjust your monthly payment accordingly.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Adair County for the current fiscal year? A: Property taxes are levied on October 1st, with bills mailed in November. They become payable immediately upon mailing and become delinquent at various dates - contact the Adair County Collector for specific delinquency dates for the current tax year.

Q: What tax credits are available and do I need to apply? A: Missouri offers several tax credits including the Circuit Breaker Credit (for seniors 65+ or disabled individuals), Homestead Preservation Credit, and Property Tax Credit for renters and homeowners. ALL credits require separate applications and are NOT automatic - you must apply annually by specific deadlines.

Q: How does the Homestead Credit work? A: The Homestead Credit doesn't reduce your home's market value but instead caps the annual increase in your property tax assessment. This requires filing an application with specific deadlines, and the credit limits how much your assessment can grow year-over-year, not your home's actual market value.

Q: How often are properties reassessed in Adair County? A: Missouri law requires reassessment every two years for residential property and annually for commercial property. Adair County follows this schedule with reassessments occurring in odd-numbered years for residential properties.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Adair County Board of Equalization by a specific deadline (typically in June). You'll need evidence of your property's market value such as recent sales comparisons or professional appraisals.

Q: What are the penalties for late property tax payment? A: Missouri law allows counties to impose penalties and interest on delinquent property taxes. Contact the Adair County Collector for specific penalty rates and collection procedures that apply to delinquent accounts.

Q: Can I pay my property taxes online? A: Contact the Adair County Collector's office directly to inquire about online payment options, as availability varies by county and may require specific payment processors or methods.

Q: Why do property tax rates vary within Adair County? A: Your total tax rate depends on which special taxing districts serve your property, including school districts, fire protection districts, ambulance districts, and municipal boundaries. Properties in different areas of the county may be served by different combinations of these districts, resulting in varying total tax rates.

Q: When will 2025 property tax rates be finalized? A: Local authorities are still determining 2025 property tax rates, which will be finalized by August 2025. Check with Adair County government and local taxing districts for official rate announcements as they become available.

Q: What triggers a supplemental tax bill? A: Supplemental taxes are issued when significant changes occur after January 1st, such as new construction completion, major property improvements, or ownership changes that reveal previously unreported improvements to the property.

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