HonestCasa logoHonestCasa
Updated 2025 Tax Year

Carroll County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.8% to 2.5% of assessed value (varies by taxing districts)
1st Due
Dec 31
Exemptions
4+ Available
Section 1

How Property Tax Works

Carroll County, Missouri operates on a property tax system that funds essential local services including schools, county government operations, fire protection, and various special districts. Property taxes are the primary revenue source for these services, with the county serving as the collection agent for multiple taxing jurisdictions within its boundaries.

The effective property tax rate in Carroll County varies significantly by location due to overlapping special taxing districts such as school districts, fire protection districts, and municipal boundaries. Property owners can expect total effective rates typically ranging from 1.8% to 2.5% of assessed value, depending on their specific location and applicable districts. The county assesses property at its fair market value as of January 1st each year, with assessments conducted on a biennial cycle for residential properties.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Carroll County General$0.2711County operations, sheriff, courts, roads
School DistrictsVariesLocal school district operations and debt service
Fire ProtectionVariesRural fire protection districts where applicable
Special Road DistrictsVariesLocal road maintenance districts
Municipal TaxesVariesCity taxes for incorporated areas
Total Effective Rate~$2.20Combined rate varies by location

Rates shown are for FY 2025 and vary significantly by special taxing districts within Carroll County. Contact the Carroll County Assessor's Office for your specific district combination and exact rates.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Carroll 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 Carroll County are additional property tax bills issued when there are mid-year changes to property ownership, value, or use. Common triggers include new construction completion, change of ownership that removes exemptions, or discovery of previously unassessed improvements. These supplemental bills are calculated based on the number of months remaining in the tax year after the change occurs.

For example, if a new home is completed and receives its occupancy permit on July 1st, the owner would receive a supplemental tax bill covering July through December (6 months) of that tax year. The supplemental amount would be calculated as: (New assessed value × applicable tax rate × 6/12 months). Supplemental taxes follow the same payment schedule as regular property taxes and are subject to the same penalty structure if paid late.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value: $300,000 (100% of market value)
  • Less: Homestead Credit (if applied): -$1,200
  • Net Taxable Value: $298,800
  • Annual Tax ($298,800 × 2.2%): $6,574
  • Monthly Payment: $548

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value: $600,000
  • Less: Homestead Credit (if applied): -$1,200
  • Net Taxable Value: $598,800
  • Annual Tax ($598,800 × 2.2%): $13,174
  • Monthly Payment: $1,098

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if applied): -$1,200
  • Net Taxable Value: $998,800
  • Annual Tax ($998,800 × 2.2%): $21,974
  • Monthly Payment: $1,831

Note: Credits shown require separate application and approval. Actual rates vary by specific taxing districts in your area.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Carroll County require property tax escrow accounts for loans exceeding 80% loan-to-value ratio. Lenders collect monthly payments equal to 1/12th of the annual property tax bill plus a cushion amount, typically 2-3 months of payments. The escrow account pays your property taxes automatically when they become due.

Lenders must provide an annual escrow analysis showing account activity and any required payment adjustments. Due to Carroll County's installment payment schedule (April, July, and October), your lender will make payments three times per year to keep your account current. Property owners should verify their lender has current contact information with the Carroll County Collector's office and review their annual tax statements to ensure proper payment of all district taxes.

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 Carroll County property taxes due for FY 2025? A: Installment payments are due on the 3rd Monday in April and July, with the final balance due by October 15th. Unpaid taxes after October 15th incur a 10% penalty.

Q: What homestead tax credits are available and how do I apply? A: The Owner-Occupancy Homestead Tax Reduction is available for primary residences. You must own and occupy the home as your principal residence on January 1st. Applications require annual filing with the County Assessor's office and are NOT automatic.

Q: How does the homestead credit work? A: The homestead credit limits annual assessment increases rather than reducing market value. It caps the growth in your assessed value, providing tax relief over time. You must apply by June 30, 2025 for the 2025 tax year.

Q: Can I pay my property taxes online? A: Contact the Carroll County Collector's office directly at the courthouse for current online payment options and accepted payment methods.

Q: What if I disagree with my property assessment? A: Property assessments can be appealed during the assessment appeal period, typically in late spring. Contact the Carroll County Assessor's office for specific deadlines and procedures for filing an appeal.

Q: How often is my property reassessed? A: Residential properties in Missouri are typically reassessed on a biennial (every two years) cycle, while commercial properties may be assessed annually.

Q: What happens if I'm late paying my property taxes? A: Taxes paid after December 31st are considered delinquent and subject to penalties and interest. After October 15th, a 10% penalty is applied to unpaid amounts.

Q: Do special taxing districts affect my tax rate? A: Yes, your total property tax rate includes county taxes plus all applicable special districts such as school districts, fire protection districts, and municipal taxes. Rates vary significantly by location within Carroll County.

Q: How do I find out my exact tax rate and districts? A: Contact the Carroll County Assessor's office with your property address or parcel number to determine your specific taxing districts and combined rate.

Q: Are there tax credits for seniors or disabled veterans? A: Various tax credits may be available for seniors, disabled veterans, and other qualifying circumstances. These require separate applications and documentation. Contact the County Assessor's office for eligibility requirements and application deadlines.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate