Taxes in St. Joseph, Missouri
Complete tax guide for St. Joseph, MO. State income tax up to 4.95%, 1.01% property tax, 5.4% sales tax. Calculate your total tax burden.
State Income Tax
4.95%
Missouri
Property Tax
1.01%
Effective rate
Sales Tax
5.4%
Combined rate
Tax Burden
Moderate
St. Joseph, MO Tax Overview
Population
72,473
Median Income
$57,000
Cost of Living
90.4 (100 = avg)
State Income Tax
4.95%
Local Income Tax
1.35%
Median Home Price
$190,000
St. Joseph Tax Calculator
Pre-filled with St. Joseph median: $57,000
Total Tax Burden in St. Joseph
$12,753
Take-Home: $44,247 · Effective Rate: 22.37%
Federal Tax
$4,802
8.42% eff.
MO State + Local
$3,591
6.30% eff.
FICA
$4,361
7.65% eff.
Take-Home
$44,247
77.63% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $57,000.00 | $4,750.00 |
| Federal Income Tax | -$4,801.50 | -$400.13 |
| Missouri State Tax | -$2,821.50 | -$235.13 |
| St. Joseph Local Tax (1.35%) | -$769.50 | -$64.13 |
| Social Security (6.2%) | -$3,534.00 | -$294.50 |
| Medicare (1.45%) | -$826.50 | -$68.88 |
| Take-Home Pay | $44,247.00 | $3,687.25 |
Property Tax in St. Joseph
Median Home
$190,000
Annual Tax
$1,919
Monthly Tax
$160
Effective Rate
1.01%
Sales Tax in St. Joseph
Combined Rate
5.4%
State Portion
~2.9%
Local Portion
~2.5%
The combined sales tax rate in St. Joseph is 5.4%, which is below the national average of 7.12%. On a $100 purchase, you would pay $5.40 in sales tax.
Tax Burden Comparison
| Tax Type | St. Joseph | Missouri Avg | National Avg |
|---|---|---|---|
| Income Tax | 4.95% + 1.35% | 4.95% | 4.6% |
| Property Tax | 1.01% | ~1.01% | 1.1% |
| Sales Tax | 5.4% | ~5.4% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for St. Joseph 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. Joseph has a local income tax of 1.35%. 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. Joseph (1.01%) 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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See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in St. Joseph, MO?
St. Joseph, Missouri has a state income tax rate up to 4.95%, plus a local income tax of 1.35%. The property tax rate is 1.01% and the combined sales tax rate is 5.4%.
How much is property tax in St. Joseph?
The effective property tax rate in St. Joseph is 1.01%. On the median home price of $190,000, this equals approximately $1,919 per year or $160 per month. This is below the national average of 1.1%.
What is the sales tax rate in St. Joseph?
The combined sales tax rate in St. Joseph is 5.4%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does St. Joseph's tax burden compare to other cities?
St. Joseph has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 26.4%. The combination of 4.95% state income tax, 1.01% property tax, and 5.4% sales tax determines the total burden. Cost of living index is 90.4 (100 = national average).
Are there any local taxes in St. Joseph?
Yes. St. Joseph imposes a local income tax of 1.35% in addition to the state income tax of 4.95%.