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Updated 2025 Tax Year

Dade County
Property Tax Guide

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

9 Official Sources
8 min read
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Tax Rate
Varies by taxing district - base rate plus school, fire, and other local districts
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Section 1

How Property Tax Works

Dade County, Missouri operates under the state's property tax system, which funds essential local services including schools, fire protection, law enforcement, roads, and county operations. Property taxes in Dade County are administered by the County Assessor's Office for valuations and the County Collector's Office for billing and collection. The county follows Missouri's assessment practices where residential property is assessed at 19% of true market value, while commercial and agricultural properties have different assessment ratios.

Property tax rates in Dade County vary significantly by location within the county due to multiple overlapping taxing jurisdictions. These special taxing districts include school districts, fire protection districts, ambulance districts, and other local governmental entities that each levy their own rates. The total effective tax rate typically ranges from approximately 0.8% to 1.4% of market value, depending on your specific location and the combination of taxing districts that serve your property. Property owners receive a single consolidated tax bill that includes all applicable district taxes.

Section 2

What Makes Up Your Tax Bill

Based on the 2025 Property Tax Rate Report from the Missouri State Auditor's Office:

ComponentRate RangeDescription
County GeneralVariesBasic county services, roads, administration
School DistrictsVariesLocal school district operations and debt service
Fire Protection DistrictsVariesFire and emergency services
Ambulance DistrictsVariesEmergency medical services
Road DistrictsVariesLocal road maintenance and improvement
Other Special DistrictsVariesLibraries, health services, other local services

Note: Exact rates for FY 2025 vary by specific location within Dade County. The total combined rate depends on which special taxing districts serve your property address. For current rates specific to your property, contact the Dade County Collector's Office or visit their website. School district levies typically represent the largest portion of your total property tax bill.

Section 3

When Are Property Taxes Due?

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

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 typically triggered by changes in property ownership, new construction, or significant improvements made during the tax year. When these events occur, the County Assessor may issue a supplemental assessment to capture the additional taxable value that wasn't included in the original assessment for that tax year.

For example, if you complete a home addition worth $50,000 in June, and your property is in an area with a combined tax rate of 1.2%, you might receive a supplemental tax bill for approximately $300 (calculated as $50,000 × 19% assessment ratio × 1.2% tax rate × 6 months remaining in the tax year ÷ 12 months). The supplemental tax covers the period from when the improvement was completed through December 31st of that tax year. This ensures that all property improvements contribute their fair share to local government services for the portion of the year they added value to the property.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value: $57,000 (19% of market value)
  • Less: Homestead Credit (if applied): -$2,000
  • Net Taxable Value: $55,000
  • Annual Tax (at 1.1% effective rate): $605
  • Monthly Escrow: $50

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value: $114,000 (19% of market value)
  • Less: Homestead Credit (if applied): -$2,000
  • Net Taxable Value: $112,000
  • Annual Tax (at 1.1% effective rate): $1,232
  • Monthly Escrow: $103

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value: $190,000 (19% of market value)
  • Less: Homestead Credit (if applied): -$2,000
  • Net Taxable Value: $188,000
  • Annual Tax (at 1.1% effective rate): $2,068
  • Monthly Escrow: $172

Note: Credits shown require application and approval. Actual rates vary by specific taxing districts serving your property location.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Dade County require property tax escrow accounts for borrowers with less than 20% equity. Your lender collects monthly escrow payments as part of your mortgage payment, then pays your property taxes directly to the Dade County Collector when taxes are due on December 31st each year. Lenders typically collect slightly more than the estimated annual tax amount to ensure adequate funds are available and to comply with federal escrow regulations.

Each year, your lender will provide an escrow analysis statement showing the previous year's tax payments and calculating the new monthly escrow amount based on current tax bills. If property taxes increase significantly due to reassessment or rate changes, you may face an escrow shortage that requires either a lump-sum payment or increased monthly payments. Property owners should verify that their lender pays taxes on time, as you remain ultimately responsible for any penalties if payments are late, even when using an escrow account.

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

When are property taxes due in Dade County? Property taxes are due by December 31st each year. Mail payments must be postmarked by December 31st to avoid interest and penalties.

What tax credits are available and do I need to apply? Missouri offers several tax credits including the Homestead Preservation Credit for seniors and disabled persons, and the Property Tax Credit (Circuit Breaker) for qualifying low-income residents. These are tax credits that reduce your actual tax bill and require separate applications - they are not automatic.

How does the Homestead Credit work? The Homestead Preservation Credit limits assessment increases for qualifying seniors (65+) and disabled homeowners to no more than 5% per year. This caps assessment growth, not the market value. You must apply with the County Assessor's Office and requalify periodically.

When are properties reassessed in Dade County? Missouri requires reassessment of all real property at least every two years. Dade County follows the state schedule for conducting these assessments.

How do I appeal my property assessment? Assessment appeals must be filed with the Dade County Board of Equalization by the deadline specified on your assessment notice, typically in June or July. Contact the County Assessor's Office for specific procedures and deadlines.

What are the penalties for late payment? Missouri law requires interest and penalties on delinquent property taxes. Interest accrues monthly on unpaid balances after December 31st.

Can I pay property taxes online? Contact the Dade County Collector's Office directly or visit their website to determine available online payment options and any associated convenience fees.

Why do tax rates vary within Dade County? Different areas of the county are served by different combinations of special taxing districts (school districts, fire districts, ambulance districts, etc.). Each district sets its own tax rate, creating variations in total effective rates across the county.

Verified Sources

Backed by 9 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
State
2025 Property Tax Rate Report - Missouri State Auditor's Officeauditor.mo.gov
02
County
Tax Rates for County: Dadeauditor.mo.gov
03
Tax Doc
Across the Country, Americans Will Pay Less in Taxes ...whitehouse.gov
04
Collector's Officedadecountymo.gov
05
Tax Doc
Property Tax Credit - Missouri Department of Revenuedor.mo.gov
06
Assessor's Officedadecountymo.gov
07
Ordinance 16794 - Repealing Chapter 62 and Amending ...miami.gov
08
november-2019-990-index.csvirs.gov
09
SENATE BILL NO. 138senate.mo.gov
All sources verified as of 2025 Tax Year

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