Missouri · Property tax exemptions for seniors · Updated Oct 2026
Missouri property tax exemptions for seniors (2026)
Every statewide property tax break for older homeowners in Missouri that our guide lists: extra exemptions, freezes, deferrals and age-based credits. What each is worth, the starting age, the income limit, the deadline and how to apply.
Short answer
The main property tax break for seniors in Missouri is the Senior Citizen Property Tax Freeze Credit (county option, age 62+). Where adopted, it freezes the county's (or city's) part of your real estate tax at the amount owed in your first eligible year; you get a credit for any increase after that.
Some amounts depend on where you live. In Missouri, some of these breaks or their amounts are set or adjusted by your county, city or town, as each exemption below explains. Ask your local assessor for the figure that applies to your home.
Property tax breaks for seniors in Missouri
Senior freeze or deferral
Senior Citizen Property Tax Freeze Credit (county option, age 62+)
Where adopted, it freezes the county's (or city's) part of your real estate tax at the amount owed in your first eligible year; you get a credit for any increase after that. It does not freeze taxes of school districts or other districts unless they also take part. If your tax later falls, the lower year becomes your new base.
Who qualifies
Missouri residents 62 or older (in the City of St. Louis, by December 31 of the current year) who own and live in the home as their primary residence and are liable for its property tax, in a county that has adopted the credit by ordinance or by a vote of residents. Example, City of St. Louis: prior-year taxes must be paid, new construction is not frozen in its first year, and only the unit you live in counts.
How to apply
Only where your county has adopted it. Ask your county assessor or collector. City of St. Louis: apply to the Assessor's Office.
Deadline
Set locally. City of St. Louis: March 1 to June 30 each year for new and returning applicants.
Renewal
Set locally; in the City of St. Louis you apply every year.
Missouri Property Tax Credit (circuit breaker), Form MO-PTC
A credit (refund) of part of the real estate tax you paid on your home: up to $1,100 for owners who owned and lived in the home all year (up to $750 for renters and part-year owners). The amount depends on the tax you paid and your total household income.
Who qualifies
Missouri residents who paid real estate tax on the home they lived in and are: 65 or older by December 31 (2025 claim) and a Missouri resident the whole year; or 100% disabled because of military service; or 100% disabled; or 60 or older and receiving surviving-spouse Social Security benefits.
Income limit
2025 claim, owners who owned and occupied the home all year: total household income (taxable and nontaxable) of $30,000 or less if single, $34,000 or less if married filing combined. Renters and part-year owners: $27,200 single, $29,200 married. A 100% service-connected disabled veteran does not count VA payments.
How to apply
File Form MO-PTC with the Department of Revenue. If you must file a Missouri income tax return (MO-1040), use Form MO-PTS attached to it instead. Include proof of real estate tax paid and income (for example, a Social Security benefit letter, which you can get at ssa.gov/myaccount).
Deadline: The 2025 claim is due April 15, 2026. You can file up to three years after the original due date.
Renewal: Every year.
Savings estimate for Missouri
None of these breaks is one fixed dollar amount taken off your home's value, so we can't estimate the savings here. What each one is worth is on its card above.
Eligibility finder for Missouri
Answer a few questions to see which property tax breaks may fit you. Nothing you type here is sent anywhere.
Pre-set for seniors: you own and live in the home, age 62. Change any answer to your own.
Document checklist for Missouri
Pick the breaks you plan to apply for. You get a checklist of forms, documents, steps and deadlines to print or keep on your phone.
Questions about seniors property tax breaks in Missouri
Who qualifies for property tax breaks for seniors in Missouri?
Senior Citizen Property Tax Freeze Credit (county option, age 62+): Missouri residents 62 or older (in the City of St. Louis, by December 31 of the current year) who own and live in the home as their primary residence and are liable for its property tax, in a county that has adopted the credit by ordinance or by a vote of residents. Example, City of St. Louis: prior-year taxes must be paid, new construction is not frozen in its first year, and only the unit you live in counts. Missouri Property Tax Credit (circuit breaker), Form MO-PTC: Missouri residents who paid real estate tax on the home they lived in and are: 65 or older by December 31 (2025 claim) and a Missouri resident the whole year; or 100% disabled because of military service; or 100% disabled; or 60 or older and receiving surviving-spouse Social Security benefits.
Is there an income limit for seniors' property tax breaks in Missouri?
Senior Citizen Property Tax Freeze Credit (county option, age 62+): no income limit is listed in our sources. Missouri Property Tax Credit (circuit breaker), Form MO-PTC: 2025 claim, owners who owned and occupied the home all year: total household income (taxable and nontaxable) of $30,000 or less if single, $34,000 or less if married filing combined. Renters and part-year owners: $27,200 single, $29,200 married. A 100% service-connected disabled veteran does not count VA payments.
When is the deadline for seniors to apply in Missouri?
Senior Citizen Property Tax Freeze Credit (county option, age 62+): Set locally. City of St. Louis: March 1 to June 30 each year for new and returning applicants. Missouri Property Tax Credit (circuit breaker), Form MO-PTC: The 2025 claim is due April 15, 2026. You can file up to three years after the original due date.
Do seniors have to reapply every year in Missouri?
Senior Citizen Property Tax Freeze Credit (county option, age 62+): Set locally; in the City of St. Louis you apply every year. Missouri Property Tax Credit (circuit breaker), Form MO-PTC: Every year.
Where do seniors apply for property tax breaks in Missouri?
Missouri has no general homestead exemption. The main statewide break, the Property Tax Credit (circuit breaker), is claimed from the Missouri Department of Revenue. The constitutional exemption for totally disabled former POWs is handled by your county assessor. Senior tax freezes are local: a county (or the City of St. Louis) must adopt one, and you apply to that county's or city's assessor or collector. For the Senior Citizen Property Tax Freeze Credit (county option, age 62+): Only where your county has adopted it.