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Updated 2025 Tax Year

Ralls County
Property Tax Guide

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

9 Official Sources
8 min read
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Quick Facts
Tax Rate
0.26% to 0.35% effective rate (varies by taxing district location)
Exemptions
4+ Available
Section 1

How Property Tax Works

Property taxes in Ralls County, Missouri, serve as the primary funding source for essential local services including schools, roads, law enforcement, and county operations. The county follows Missouri's state assessment guidelines, where residential properties are assessed at 19% of their true market value, with commercial properties assessed at 32%. Property tax bills in Ralls County are calculated by multiplying your property's assessed value by the applicable tax rate, which varies significantly depending on your location within the county due to different special taxing districts.

The effective tax rate in Ralls County varies by location but generally ranges from approximately 0.26% to 0.35% of market value when accounting for all applicable taxing districts. For fiscal year 2025, the proposed base county tax rate is 0.2600 per $100 of assessed value, though your total tax bill will include additional levies from school districts, fire districts, and other special taxing jurisdictions that serve your specific property location. Property owners should note that actual rates can vary substantially between different areas of the county depending on which combination of special districts serve their property.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)DescriptionLevy Year
County General0.2600Base county operations, road maintenance, administrationFY 2025
School DistrictsVariesLocal school district operations and debt serviceFY 2025
Fire DistrictsVariesLocal fire protection servicesFY 2025
Road DistrictsVariesSpecial road maintenance and improvementsFY 2025
Library DistrictsVariesPublic library services (where applicable)FY 2025
Hospital DistrictsVariesPublic hospital services (where applicable)FY 2025

Note: The total tax rate for any property is the sum of all applicable district rates. Rates vary significantly by location within Ralls County depending on which special taxing districts serve your property. The proposed county rate of 0.2600 for 2025 is subject to final approval by the Ralls County Commission. Contact the Ralls County Assessor's office at (573) 985-5632 for your property's specific total tax rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Ralls 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 Ralls County are triggered when there is a change in property ownership, completion of new construction, or improvements that increase a property's assessed value during the current tax year. These supplemental bills cover the difference between the previous assessment and the new higher assessment, prorated for the remaining portion of the tax year.

When supplemental taxes are assessed, the county calculates the difference between the old and new assessed values, applies the current tax rate to that difference, and prorates the amount based on how many months remain in the fiscal year. For example, if a $50,000 addition is completed in March and increases your assessed value by $9,500 (19% of $50,000), and your total tax rate is 3.2%, you would owe approximately $304 in supplemental taxes ($9,500 × 0.032) prorated for the 9 remaining months of the fiscal year, resulting in a supplemental bill of about $228.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (19%): $57,000
  • Tax Credits Applied: -$2,000 (Senior Citizens Credit, if qualified and applied)
  • Net Taxable Value: $55,000
  • Tax Rate: 3.20% (estimated total with districts)
  • Annual Tax: $1,760
  • Monthly Escrow: $147

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (19%): $114,000
  • Tax Credits Applied: -$2,000 (Senior Citizens Credit, if qualified and applied)
  • Net Taxable Value: $112,000
  • Tax Rate: 3.20% (estimated total with districts)
  • Annual Tax: $3,584
  • Monthly Escrow: $299

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (19%): $190,000
  • Tax Credits Applied: $0 (assuming no qualifying credits)
  • Net Taxable Value: $190,000
  • Tax Rate: 3.20% (estimated total with districts)
  • Annual Tax: $6,080
  • Monthly Escrow: $507

Note: Tax credits shown require application and income/age qualification. Actual total tax rates vary by specific location within the county based on applicable special districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Ralls County require borrowers to maintain an escrow account for property tax payments, especially for loans with less than 20% down payment. Your lender collects monthly escrow payments as part of your mortgage payment and pays your property taxes directly to the county when they become due. Lenders typically collect enough to cover the annual tax bill plus a two-month cushion as allowed by federal regulations.

Property tax bills in Ralls County are typically due in two installments, and your lender will make these payments on your behalf if you have an escrow account. Your lender must provide an annual escrow analysis showing how your escrow funds were used and any adjustments needed for the coming year. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment may increase accordingly. You can verify your property's tax information and ensure your lender has current data by checking with the Ralls County Collector's office or accessing online records through the county's website.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Ralls County? A: Property taxes for fiscal year 2025 are typically due in two installments. Contact the Ralls County Collector at (573) 985-2030 for specific due dates, as payment schedules can vary.

Q: What tax credits are available and how do I apply? A: Missouri offers several tax credits including the Senior Citizens Credit (for those 65+ with household income under $70,000), Disabled Persons Credit, and Veterans' Disability Credit. All credits require annual application through the Ralls County Assessor's office by specific deadlines. Contact (573) 985-5632 for applications.

Q: How does the Homestead Credit work? A: The Homestead Credit limits annual assessment increases rather than reducing market value. Eligible homeowners (65+ with income under $70,000 or disabled receiving Social Security) can defer tax increases beyond the previous year's amount. Application must be filed between January 1st and October 15th of the first year claimed.

Q: When does the county reassess properties? A: Ralls County conducts property reassessments according to the state-mandated cycle. Reassessment notices are mailed to property owners, who have 30 days to appeal to the local Board of Equalization.

Q: What are the penalties for late payment? A: Late property tax payments in Ralls County incur penalties and interest charges. Contact the County Collector at (573) 985-2030 for current penalty rates and to discuss payment arrangements if needed.

Q: Can I pay property taxes online? A: Check with the Ralls County Collector's office at (573) 985-2030 or visit the county website to determine available online payment options and any associated convenience fees.

Q: Why did my tax bill increase when my home value stayed the same? A: Tax increases can result from higher tax rates approved by local taxing districts (schools, fire districts, etc.), loss of previous tax credits, or changes in special district boundaries affecting your property.

Q: How do special taxing districts affect my bill? A: Your total tax rate includes levies from all applicable districts serving your property location - county, school district, fire district, road district, etc. The same county can have different total rates depending on which districts serve each area. Contact the Assessor's office to determine which districts apply to your specific property.

Verified Sources

Backed by 9 Official Government Sources

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

01
notice of hearingrallscountymo.gov
02
County
2024-Ralls-County-Financial-Statement. ...rallscountymo.gov
03
Tax Doc
Sales and Use Tax Rate Tablesdor.mo.gov
04
Document # 2025-76478 Page 1 of 5rallscountymo.gov
05
Homestead exemptionsenate.mo.gov
06
County
Ralls County Senior Real Estate Property Tax Relief Programrallscountymo.gov
07
County
Ralls County Financial Statementsapp.auditor.mo.gov
08
11410 congressional record-senatecongress.gov
09
County
Fred Weber Inc. v. Thomas Ruhl, Assessor Ralls Countystc.mo.gov
All sources verified as of 2025 Tax Year

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