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Missouri SALT Cap Calculator

For Missouri filers — KC/STL earners.

The short answer: At the scenario numbers below, the OBBBA SALT deduction is $5,500 — about $1,210 back at a 22% rate ($47 per biweekly paycheck).

Old cap (pre-OBBBA): $10,000 deductible
Your OBBBA cap: $40,000
Extra deduction: $5,500
Est. federal tax savings: $1,210
Your state+local taxes ($15,500) are below your $40,000 cap

⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.

Your State's Slice of the $40,000 Cap

The 1% Kansas City and St. Louis earnings taxes count as local income taxes within SALT.

  • • State + earnings tax + property → SALT to $40,000
  • • Phase-out above $500,000 MFJ
  • • County property tax rolls into the total

Worked Example

A St. Louis MFJ household, $220,000 MAGI: about $11,000 state + city earnings tax plus $4,500 property tax.

  • • Deductible amount: $5,500
  • • Federal income tax savings: $1,210 (at the 22% marginal rate)
  • • Per biweekly paycheck: $47

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Frequently Asked Questions

Is the St. Louis earnings tax deductible?

Yes — it's a local income tax, part of SALT.

Missouri's top rate fell — still worth itemizing?

Combined with property tax, many still clear the standard deduction; the calculator plus your other itemized deductions decides.