Taxes in St. Charles, Missouri
Complete tax guide for St. Charles, MO. State income tax up to 4.95%, 1% property tax, 6.21% sales tax. Calculate your total tax burden.
State Income Tax
4.95%
Missouri
Property Tax
1%
Effective rate
Sales Tax
6.21%
Combined rate
Tax Burden
Moderate
St. Charles, MO Tax Overview
Population
70,719
Median Income
$60,500
Cost of Living
83.4 (100 = avg)
State Income Tax
4.95%
Local Income Tax
1.17%
Median Home Price
$181,000
St. Charles Tax Calculator
Pre-filled with St. Charles median: $60,500
Total Tax Burden in St. Charles
$13,552
Take-Home: $46,948 · Effective Rate: 22.40%
Federal Tax
$5,222
8.63% eff.
MO State + Local
$3,703
6.12% eff.
FICA
$4,628
7.65% eff.
Take-Home
$46,948
77.60% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $60,500.00 | $5,041.67 |
| Federal Income Tax | -$5,221.50 | -$435.13 |
| Missouri State Tax | -$2,994.75 | -$249.56 |
| St. Charles Local Tax (1.17%) | -$707.85 | -$58.99 |
| Social Security (6.2%) | -$3,751.00 | -$312.58 |
| Medicare (1.45%) | -$877.25 | -$73.10 |
| Take-Home Pay | $46,947.65 | $3,912.30 |
Property Tax in St. Charles
Median Home
$181,000
Annual Tax
$1,810
Monthly Tax
$151
Effective Rate
1%
Sales Tax in St. Charles
Combined Rate
6.21%
State Portion
~3.7%
Local Portion
~2.5%
The combined sales tax rate in St. Charles is 6.21%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.21 in sales tax.
Tax Burden Comparison
| Tax Type | St. Charles | Missouri Avg | National Avg |
|---|---|---|---|
| Income Tax | 4.95% + 1.17% | 4.95% | 4.6% |
| Property Tax | 1% | ~1% | 1.1% |
| Sales Tax | 6.21% | ~6.21% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for St. Charles Residents
- Missouri's income tax rate of 4.95% is competitive. You may still benefit from maximizing 401(k) contributions ($23,500 limit) to reduce your taxable income at both state and federal levels.
- St. Charles has a local income tax of 1.17%. If you work remotely, verify whether you owe city tax based on where you work or where you live. Some cities only tax people who work within city limits.
- Property tax in St. Charles (1%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Other Cities in Missouri
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ModerateSpringfield
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See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in St. Charles, MO?
St. Charles, Missouri has a state income tax rate up to 4.95%, plus a local income tax of 1.17%. The property tax rate is 1% and the combined sales tax rate is 6.21%.
How much is property tax in St. Charles?
The effective property tax rate in St. Charles is 1%. On the median home price of $181,000, this equals approximately $1,810 per year or $151 per month. This is below the national average of 1.1%.
What is the sales tax rate in St. Charles?
The combined sales tax rate in St. Charles is 6.21%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does St. Charles's tax burden compare to other cities?
St. Charles has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 26.2%. The combination of 4.95% state income tax, 1% property tax, and 6.21% sales tax determines the total burden. Cost of living index is 83.4 (100 = national average).
Are there any local taxes in St. Charles?
Yes. St. Charles imposes a local income tax of 1.17% in addition to the state income tax of 4.95%.