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Updated 2025 Tax Year

Montgomery County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 1% base rate plus district additions, varies significantly by location and taxing districts
Exemptions
5+ Available
Section 1

How Property Tax Works

Montgomery County, Missouri operates on a property tax system that serves as the primary funding mechanism for essential local services including schools, law enforcement, fire protection, road maintenance, and county government operations. Property taxes in Montgomery County are levied based on assessed values determined by the County Assessor, with the effective tax rate typically ranging around Missouri's base rate of approximately 1% of assessed value, though actual rates vary significantly by location within the county.

The total property tax rate for any given property depends on its location within various special taxing districts, including school districts, fire protection districts, ambulance districts, and other local service areas. For the 2025 tax year, Montgomery County is projecting a 13% increase in property tax rates, with the exact rates to be finalized as part of the 2026 county budget process. Property owners should expect their actual tax burden to vary based on which combination of taxing districts serve their specific property location.

Section 2

What Makes Up Your Tax Bill

ComponentEstimated Rate (per $100 assessed value)Description
County General$0.45-0.55County government operations, sheriff, courts
School District$3.50-4.20Local school district operations and debt service
Fire Protection$0.25-0.75Fire protection district services
Ambulance District$0.15-0.35Emergency medical services
Road District$0.20-0.50Local road maintenance and improvement
Total Estimated Range$4.55-6.35Varies by special taxing districts

Rates shown are estimates for FY 2025-2026 and are subject to final budget approval. Actual rates vary significantly based on the specific combination of taxing districts serving your property. The projected 13% increase for 2025 may affect individual components differently.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Montgomery 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 property taxes in Montgomery County are additional tax bills issued when there are changes to property ownership, improvements, or new construction that occur after the annual assessment date but during the current tax year. The most common triggers include property transfers to new owners, completion of new construction projects, additions to existing structures, or corrections to previous assessments.

When a supplemental tax is triggered, the County Assessor calculates the difference between the old assessed value and the new assessed value, then applies the current tax rate to determine the additional tax owed. For example, if you purchase a home in Montgomery County that was previously assessed at $150,000 but sells for $250,000, the assessor may issue a supplemental tax based on the increased assessed value. The supplemental tax would be prorated for the remaining months in the tax year, so if the change occurred in July, you would owe supplemental taxes for the remaining six months of the fiscal year.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000 × 19% (residential assessment ratio) = $57,000
  • Homestead Credit Applied: -$750 (requires application)
  • Net Taxable Value: $56,250
  • Annual Tax: $56,250 × $5.50/$100 = $3,094
  • Monthly Escrow: $258

Example 2: $600,000 Home

  • Assessed Value: $600,000 × 19% = $114,000
  • Senior/Disability Credit Applied: -$1,100 (if eligible, requires application)
  • Net Taxable Value: $112,900
  • Annual Tax: $112,900 × $5.50/$100 = $6,210
  • Monthly Escrow: $518

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000 × 19% = $190,000
  • No Credits Applied (exceeds income limits)
  • Net Taxable Value: $190,000
  • Annual Tax: $190,000 × $5.50/$100 = $10,450
  • Monthly Escrow: $871

All tax credits require annual application and are not automatically applied. Credits shown are examples and eligibility varies based on income, age, and other factors.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Montgomery County require borrowers to maintain an escrow account for property tax payments, particularly when the loan-to-value ratio exceeds 80%. Your lender will collect monthly payments equal to approximately 1/12 of your annual property tax bill and hold these funds in a separate escrow account. The lender is responsible for making timely payments to the Montgomery County Collector when taxes become due on December 1st each year.

Property tax statements are typically mailed by mid-November, and lenders usually receive their copies around the same time. Your lender will pay the full annual amount directly to the county, and you should receive documentation of this payment for your records. It's important to verify that your lender has made the payment by the December 1st deadline, as you remain ultimately responsible for ensuring taxes are paid on time. If your escrow account has insufficient funds, your lender may advance the payment but will require you to make up the shortage, often through increased monthly payments over the following year.

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 Montgomery County? A: Property taxes for FY 2025-2026 are due by December 1st. Tax statements are mailed by mid-November each year.

Q: What tax credits are available and how do I apply? A: Montgomery County offers several tax credits including the Homestead Property Tax Credit (up to $750-$1,100 based on income), Senior/Disability Credits, and Veterans Credits. All credits require annual application through the Missouri Department of Revenue or County Assessor's office and are NOT automatically applied.

Q: How does the Homestead Credit work? A: The Homestead Credit helps limit annual assessment increases rather than reducing market value. It requires annual filing and provides a credit against your tax bill based on household income. The credit caps assessment growth to help homeowners affected by large valuation increases.

Q: How often are properties assessed in Montgomery County? A: Missouri law requires properties to be assessed every two years. Montgomery County follows an odd-year assessment schedule, with the most recent comprehensive assessment in 2023 and the next scheduled for 2025.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Properties become delinquent after December 1st, and the county may initiate tax sale proceedings for chronically delinquent properties.

Q: Can I pay my property taxes online? A: Yes, Montgomery County offers online payment options through the County Collector's website. You can pay by electronic check or credit card, though credit card payments may incur processing fees.

Q: How do special district taxes affect my bill? A: Your total tax rate depends on which fire district, ambulance district, school district, and other special districts serve your property. Rates can vary significantly across the county based on these district boundaries.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Montgomery County Board of Equalization by August 15th following the assessment year. You can also appeal to the State Tax Commission if unsatisfied with the local board's decision.

Q: What triggers a supplemental tax bill? A: Property sales, new construction completion, major improvements, or assessment corrections can trigger supplemental taxes. These are prorated for the remaining portion of the tax year.

Q: Are property tax credits automatic? A: No, ALL property tax credits in Montgomery County require annual application. Contact the County Assessor's office or Missouri Department of Revenue for specific application deadlines and requirements.

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