Missouri stacks 8 marginal bands topping out at 4.7%, and a $75,000 single filer stops in the 4.7% band — $2,438 of state tax against $55,201 of take-home pay. Enter your own figures to walk them through the same schedule.
Federal tax, FICA, Missouri state tax & 401(k) — prefilled for Missouri
📈 Live: US inflation is currently 3.4% (CPI, August 2026) — rising prices erode the buying power of your take-home pay, so weigh it when comparing salaries or job offers across states.
Missouri takes $2,438 out of a $75,000 salary, leaving $55,201 against $57,639 in no-wage-tax Texas. The doughnut shows how the rest of that gross divides.
Missouri $55,201 vs Texas $57,639
Missouri: take-home, federal, state & FICA
Calculation parameters: Single filer, zero additional withholdings, $75,000 annual salary, 24 pay periods. Models use current 2026 withholding parameters and tax brackets sourced from the Missouri Department of Revenue.
The Missouri Department of Revenue administers a progressive personal income tax system. For 2026, the state features eight graduated brackets, beginning at 0% for the lowest tier and scaling to a top marginal rate of 4.70%.
Because the top bracket applies to income above $9,191, a middle-income worker earning $75,000 rapidly clears the threshold and sees the vast majority of their taxable income subjected to the maximum 4.70% rate. To dictate the proper state withholding, employees must complete Form MO W-4, which allows for additional withholdings or reduced withholding adjustments based on itemized deductions.
What sets Missouri apart from many midwestern states is the presence of localized municipal earnings taxes. Both of Missouri's largest economic hubs—St. Louis and Kansas City—levy a flat 1.00% earnings tax on anyone who lives or works within city limits.
If an employee commutes into downtown St. Louis or Kansas City for work, their employer is legally obligated to deduct this 1.00% local tax directly from their gross pay, regardless of whether the worker resides in a surrounding suburb. For a $75,000 earner, this extracts an additional $750 annually ($31.25 per semi-monthly check).
Missouri does not require employee-side contributions for State Disability Insurance (SDI) or Paid Family and Medical Leave (PFML). State unemployment insurance (SUI) is funded exclusively by employers. For supplemental wages like year-end bonuses or commissions, Missouri permits employers to withhold state income tax using a flat percentage method or by aggregating the bonus with regular earnings under the progressive tables.
8 marginal single-filer bands for 2025, running from 0% to 4.7% and applied to income after the $15,000 standard deduction. A $75,000 earner reaches band 8 of 8; only income above $8,911 ever meets the top rate.
| Taxable income (single) | Marginal rate |
|---|---|
| $0 to $1,273 | 0% |
| $1,273 to $2,546 | 2% |
| $2,546 to $3,819 | 2.5% |
| $3,819 to $5,092 | 3% |
| $5,092 to $6,365 | 3.5% |
| $6,365 to $7,638 | 4% |
| $7,638 to $8,911 | 4.5% |
| $8,911 and up | 4.7% |
Annual take-home at six salary points for a single filer deferring 6% into a 401(k). Watch the MO column accelerate from $892 to $7,960 as income climbs through Missouri's 8 bands.
| Gross salary | Federal tax | MO state tax | FICA | Take-home /yr | Take-home /mo |
|---|---|---|---|---|---|
| $40,000 | $2,474 | $892 | $3,060 | $31,175 | $2,598 |
| $60,000 | $4,730 | $1,775 | $4,590 | $45,305 | $3,775 |
| $80,000 | $8,158 | $2,659 | $6,120 | $58,263 | $4,855 |
| $100,000 | $12,294 | $3,542 | $7,650 | $70,514 | $5,876 |
| $150,000 | $23,087 | $5,751 | $11,475 | $100,687 | $8,391 |
| $200,000 | $34,367 | $7,960 | $14,339 | $131,334 | $10,944 |
| Metric | Missouri | No-tax state (TX) |
|---|---|---|
| State income tax (per year) | $2,438 | $0 |
| Federal income tax | $7,124 | $7,124 |
| Social Security + Medicare | $5,738 | $5,738 |
| Annual take-home pay | $55,201 | $57,639 |
| Effective total tax rate | 20.4% | 17.1% |
That $2,438 a year — about $203 a month — is what Missouri's income tax costs against a state that charges none. On this salary it ranks 33rd of 51 by state income tax paid, just behind New Mexico at 3.25%.
Take-home pay is gross salary minus five separate withholdings, each with its own rule and its own base. Two are federal and fixed nationwide, two are FICA payroll taxes with their own ceilings, and one is set by Missouri. Missouri uses a progressive schedule of 8 brackets topping out at 4.7%. On $71,000 the state collects $2,261 — an effective 3.18% of gross, not the headline 4.7%, because only the slice of income sitting inside each bracket is taxed at that bracket's rate. What stands out in Missouri is granularity rather than severity: 8 separate brackets, several of them only a few thousand dollars wide, so the schedule behaves almost like a smooth curve. A raise pushes you across bracket boundaries frequently but each crossing costs very little, since the step between adjacent rates is small. At $71,000 the marginal rate is 4.7%. Note also that the 401(k) contribution comes out before federal income tax is computed but not before Social Security and Medicare — a detail that trips up most hand calculations.
Take-home = Gross − 401(k) − Federal income tax − Social Security − Medicare − State taxFederal = brackets applied to (gross − 401(k) − $15,000 standard deduction)State income tax = sum over brackets of (income in bracket × bracket rate), up to 4.7%where:
Assumptions: Single filer, standard deduction, 6% traditional 401(k), no other pre-tax benefits, credits or local income tax. Health premiums, HSA contributions and city taxes (where they exist) would each change the result. 2026 federal figures.
ReferenceIRS Tax Withholding Estimator
Rather than a round number, this example uses the salary Missouri's own housing costs imply: a median-priced $250,000 home carries a $1,659 monthly payment, and the 28% front-end ratio lenders underwrite to puts that within reach at about $71,000 a year. Here is where that salary actually goes for a single filer contributing 6% to a traditional 401(k).
Result$52,751 a year — $4,396 a month, $2,029 per biweekly cheque
Total tax burden is $13,989, an effective 19.7% of gross — of which Missouri takes 3.18%. The $4,260 401(k) deferral is not a tax; it is still your money.
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