Clergy Housing Allowance Exclusion in St. Louis, MO 2026
Calculate your clergy housing allowance exclusion tax savings in St. Louis, Missouri. With Missouri's 4.8% state tax rate, your combined savings are higher.
Missouri Tax Context
St. Louis earnings tax of 1%; independent city; high combined sales tax
Clergy Housing Allowance Exclusion Savings Calculator for St. Louis
Federal Savings
$1,100
22% bracket
Missouri State
$240
4.8% rate
Local Tax
$50
1% rate
Total Savings
$1,390
27.8% combined
At a 27.8% combined tax rate in St. Louis, every $1,000 in deductions saves you $278 in taxes.
Savings by Tax Bracket in St. Louis
Includes 4.8% Missouri state tax + 1% local tax on top of federal savings.
Eligibility Requirements
Ministers and clergy who receive a housing allowance as part of compensation
- 1Must be ordained, licensed, or commissioned minister
- 2Allowance must be designated by employer in advance
- 3Limited to lesser of: actual expenses, FMV of home, or designated amount
Missouri residents should verify that this deduction is also recognized on their state tax return for additional savings of up to 4.8%.
Common Mistakes to Avoid
- !Not having allowance designated before payment
- !Exceeding the fair market value limitation
- !Forgetting to include for self-employment tax purposes
- !Forgetting to claim the deduction on your Missouri state return (missing 4.8% additional savings)
- !Not checking if St. Louis's local income tax allows this deduction (1% potential additional savings)
Required Tax Forms
File these forms with your federal tax return to claim the clergy housing allowance exclusion. Missouri may require additional state-specific forms.
Other Tax Deductions in St. Louis, MO
Mortgage Interest Deduction
Housing
Property Tax Deduction
Housing
Home Office Deduction
Housing
Home Energy Tax Credit
Housing
Residential Solar Tax Credit
Housing
Military Moving Expenses
Housing
PMI Premium Deduction
Housing
Mortgage Points Deduction
Housing
Clergy Housing Allowance Exclusion in Other Missouri Cities
Kansas City, MO
4.8% state + 1% local
Springfield, MO
4.8% state tax
Columbia, MO
4.8% state tax
Independence, MO
4.8% state tax
Lee's Summit, MO
4.8% state tax
Lee's Summit, MO
4.95% state + 1.35% local
OFallon, MO
4.95% state + 1.24% local
St. Joseph, MO
4.95% state + 1.35% local
Calculate Your Full Tax Savings in St. Louis
Use our free tax calculators to optimize your entire tax return for Missouri.
Frequently Asked Questions
How much can I save with the Clergy Housing Allowance Exclusion in St. Louis, MO?
In St. Louis, Missouri, the clergy housing allowance exclusion can save you an estimated $1,390 per year. This includes $1,100 in federal tax savings and $240 in Missouri state tax savings plus $50 in local tax savings. The national average savings is $12,000/year.
What is the Missouri state income tax rate for St. Louis residents?
Missouri has a 4.8% state income tax rate. St. Louis residents also pay a 1% local income tax, bringing the combined state/local rate to 5.8%. St. Louis earnings tax of 1%; independent city; high combined sales tax
Who qualifies for the Clergy Housing Allowance Exclusion in St. Louis?
Ministers and clergy who receive a housing allowance as part of compensation. The eligibility requirements are the same whether you live in St. Louis or elsewhere in the U.S., as this is a federal tax deduction. However, your savings amount will vary based on Missouri's 4.8% state tax rate.
What tax forms do I need to claim the Clergy Housing Allowance Exclusion in Missouri?
To claim the clergy housing allowance exclusion, you need to file Form 1040 and Schedule SE with your federal return. Missouri residents should also check if the state allows this deduction on their state return, which could provide an additional 4.8% savings. Filing status affects your deduction limits and tax bracket.
Is the Clergy Housing Allowance Exclusion better in St. Louis than in states without income tax?
Yes, St. Louis residents benefit more because Missouri's 4.8% state income tax means the deduction reduces both your federal AND state tax liability. In states with no income tax (like Texas, Florida, or Nevada), this deduction only reduces federal taxes. Your combined rate of 27.8% means more savings per dollar deducted.
Related Calculators
Mortgage Interest Deduction in St. Louis
Avg savings: $3,500/year
Property Tax Deduction in St. Louis
Avg savings: $2,200/year
Home Office Deduction in St. Louis
Avg savings: $1,200/year
Home Energy Tax Credit in St. Louis
Avg savings: $1,800/year
Residential Solar Tax Credit in St. Louis
Avg savings: $7,500/year
Military Moving Expenses in St. Louis
Avg savings: $4,000/year