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Updated 2025 Tax Year

Andrew County
Property Tax Guide

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

8 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 1% base rate plus varying district taxes (actual rate varies significantly by taxing districts within county)
1st Due
Sep 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Andrew County, Missouri operates under the state's property tax system, which funds essential local services including schools, law enforcement, fire protection, and county operations. Property taxes are the primary revenue source for these services, with the county assessing properties based on market value and applying various tax rates depending on your location within the county.

The effective tax rate in Andrew County typically ranges around Missouri's base rate of approximately 1%, though your actual rate will vary significantly based on the specific taxing districts where your property is located. These districts can include school districts, fire protection districts, ambulance districts, and other special service areas. Property taxes are levied annually on September 1st, with bills mailed to property owners in October and payment due by December 31st of each year.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
County GeneralVariesBasic county services, administration, law enforcement
School DistrictVariesLocal school district operations and debt service
Fire ProtectionVariesLocal fire district services (if applicable)
Ambulance DistrictVariesEmergency medical services (if applicable)
Special DistrictsVariesAdditional services like libraries, parks, drainage

Note: The 2025 property tax rates for Andrew County have not yet been published by the Missouri State Auditor's Office. The 2024 rates are available on the state auditor's website. Your actual tax rate depends on which combination of taxing districts serve your specific property location within Andrew County.

Section 3

When Are Property Taxes Due?

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

First Installment
Sep 1
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 Andrew County are additional property tax assessments that occur when there are changes to a property's assessed value outside the regular assessment cycle. Common triggers include new construction, major improvements, ownership changes that prompt reassessment, or corrections to previous assessments.

When supplemental taxes are levied, they are calculated based on the difference between the old and new assessed values, multiplied by the applicable tax rate, and prorated for the portion of the tax year remaining. For example, if you complete a $50,000 home addition in March and it increases your assessed value by $50,000, you would owe supplemental taxes on that additional value for the remaining months of the tax year at your property's combined tax rate.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (19% of market): $57,000
  • Less: Senior Tax Credit (if applicable): -$1,100
  • Net Taxable Value: $55,900
  • Annual Tax (estimated 1.2% rate): $671
  • Monthly Escrow: $56

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (19% of market): $114,000
  • Less: Homestead Tax Credit (if applicable): -$1,100
  • Net Taxable Value: $112,900
  • Annual Tax (estimated 1.2% rate): $1,355
  • Monthly Escrow: $113

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (19% of market): $190,000
  • Less: Property Tax Credit (if applicable): -$750
  • Net Taxable Value: $189,250
  • Annual Tax (estimated 1.2% rate): $2,271
  • Monthly Escrow: $189

Note: Tax credits shown require application and income qualification. Actual rates vary by taxing district location.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Andrew County require borrowers to establish an escrow account to ensure property taxes are paid on time. Your lender collects 1/12th of your estimated annual property tax bill with each monthly mortgage payment, holding these funds until taxes become due in December.

Lenders typically review escrow accounts annually and may adjust your monthly payment if property taxes increase or decrease significantly. Since Andrew County mails tax bills in October with payment due December 31st, lenders usually pay your taxes in November or December. You should receive an annual escrow statement from your lender showing all deposits, payments, and any surplus or shortage in your account. If you pay your mortgage off or refinance, ensure the escrow account closure and final tax payment responsibilities are clearly handled.

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 Andrew County? A: Property taxes are due by December 31st each year. Taxes become delinquent on January 1st if not paid by the deadline.

Q: What tax credits are available and how do I apply? A: Missouri offers several tax credits including the Property Tax Credit for seniors and disabled individuals (maximum $1,100 for homeowners, $750 for renters), and the Homestead Preservation Credit. These require annual application and income qualification. Contact the Andrew County Assessor's Office at the Court House, 411 Court St., Savannah, MO 64485 for applications.

Q: How does the Homestead Credit work? A: The Homestead Preservation Credit limits assessment increases on your primary residence, not the market value itself. You must file an application to receive this protection, and it requires annual renewal based on income limits.

Q: When are properties reassessed? A: Missouri law requires properties to be reassessed at least every two years, though counties may assess annually. Contact the Andrew County Assessor for the current assessment schedule.

Q: How do I appeal my property assessment? A: You can appeal your assessment to the Andrew County Board of Equalization. Appeals must typically be filed by a specific deadline after assessment notices are mailed.

Q: What are the penalties for late payment? A: Delinquent taxes incur penalties and interest. Properties with unpaid taxes may eventually be sold at the county's delinquent tax auction.

Q: Can I pay my taxes online? A: Check the Andrew County Treasurer's website or call their office at 411 Court St., Savannah, MO 64485 (8 AM – 4:30 PM) to inquire about online payment options.

Q: Why did my tax bill change if my assessment stayed the same? A: Tax rates can change annually based on budget needs of your local taxing districts (school district, fire district, etc.), even if your property's assessed value remains constant.

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