Loans by State

Aircraft Financing in Missouri:

Live Rates, Missouri's County-by-County Tax, and the St. Louis Aerospace Corridor

Missouri taxes aircraft purchases at the state rate plus local tax where the aircraft is hangared, and assesses annual county personal property tax. Financing an aircraft in Missouri, done right.

FLYING Finance·Loans by State·Updated August 2026

Why Missouri's aviation economy runs through St. Louis

Missouri's aviation economy centers on St. Louis, where Boeing's Defense, Space and Security unit returned its headquarters in 2026 and employs more than 18,000 workers regionally, one of the largest aerospace and defense concentrations in the country. Boeing's 2024 acquisition of the former GKN Aerospace plant in Hazelwood kept roughly 550 fighter-jet component jobs in the region, and Spirit of St. Louis Airport in Chesterfield remains a major general aviation hub.

The rates above are our live national rates; Missouri residency neither helps nor hurts your pricing. What is Missouri specific is the tax picture below, where the combined rate depends heavily on where the aircraft is hangared.

Sales tax, use tax, and property tax: the Missouri layer

The rate depends on where the aircraft is hangared, not where it's purchased. Missouri's use tax starts at a 4.225 percent state rate, plus local tax set by the county and city where the aircraft is hangared; combined rates vary widely across Missouri's more than 2,500 overlapping taxing jurisdictions. There is no blanket exemption for private-party sales: Missouri's isolated-sale rule relieves a non-dealer seller of the duty to collect tax, but the buyer still owes consumer's use tax directly to the Department of Revenue. Narrow exemptions exist for new light aircraft sold by a Missouri manufacturer to an out-of-state buyer, and for aircraft sold to common carriers for interstate use.

Property tax is assessed annually at the county level. Aircraft based in Missouri are taxed as tangible personal property, valued as of January 1 each year, generally at 33 and one-third percent of true value, with a reduced 5 percent rate available for aircraft at least 25 years old used solely for noncommercial purposes and flown fewer than 200 hours a year, or for kit-built aircraft.

This is orientation, not advice; Missouri aviation tax outcomes are fact specific and depend on where the aircraft is hangared and how it is used. Engage a Missouri aviation tax advisor before closing.

The depreciation layer

Federal bonus depreciation is only half the tax picture; how Missouri treats the deduction is the other half, and Missouri's rolling conformity to the federal tax code generally means the federal 100 percent rate flows through to state returns, though this should be confirmed with your advisor given the pace of recent legislative changes. The bonus depreciation guide carries the full state-by-state conformity breakdown and the December 31 placed-in-service mechanics. Read it alongside this page before you commit to a closing date.

Compare against other states

The tax treatment above is specific to this state, but if you are comparing markets, financing across state lines, or want the full fly-away exemption rules in one place, see our aircraft sales tax by state guide for the state-by-state breakdown.

Run the Missouri Buyer's Numbers

Interactive: payment and year-one depreciation, side by side

The two numbers every Missouri business buyer runs first: the monthly payment at today's rate, and what 100 percent bonus depreciation could be worth in year one. Both in one place, with the state layer linked below.

Prefills today's certified piston rate
Est. monthly payment
N/A
Est. year-one bonus depreciation
N/A
Est. year-one federal tax value
N/A
Illustrative only, not a loan offer and not tax advice. Bonus depreciation eligibility depends on qualified-business-use thresholds and listed-property rules; state conformity varies. See the bonus depreciation guide for the December 31 placed-in-service mechanics and the state-by-state conformity table before you plan around these numbers.

What Missouri buyers should know

  • Rates and terms are national. Same live pricing as the strip above; up to 20-year terms on certified pistons, 15 to 20 percent down for strong credit, soft-pull pre-qualification available.
  • Closings are remote. Your closing runs through FAA escrow in Oklahoma City regardless of where in Missouri you or the aircraft sit. Our title & escrow guide walks the sequence.
  • The county you hangar in sets your rate. Missouri's use tax combines a 4.225 percent state rate with local tax based on where the aircraft is hangared, not where it's purchased; use the Department of Revenue's address lookup rather than assuming a single statewide rate.
  • Buying private doesn't mean tax-free. Missouri's isolated-sale rule only relieves the seller of collecting tax; the buyer still owes consumer's use tax directly to the state on a private-party purchase.

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Missouri Aircraft Financing Questions

Do aircraft loan rates differ in Missouri?+
No, rates are set by aircraft type, credit profile, and loan structure, not by state. Missouri buyers see the same live pricing shown on this page. What is Missouri-specific is the tax treatment and the strength of the local market.
Does Missouri charge sales tax on aircraft purchases?+
Yes, at a 4.225 percent state rate plus local tax based on where the aircraft is hangared, not where it's purchased; combined rates vary significantly by county and city, so check the Department of Revenue's address-based lookup for your specific rate.
Will my aircraft owe Missouri property tax?+
Yes; aircraft based in Missouri are assessed annual county personal property tax, generally at 33 and one-third percent of true value as of January 1, with a reduced 5 percent rate for qualifying older or kit-built aircraft.
Does buying from a private seller change my Missouri tax exposure?+
Not entirely; Missouri's isolated-sale rule only relieves a non-dealer seller of the duty to collect tax. The buyer still owes consumer's use tax directly to the Department of Revenue unless tax was already paid to the seller or another state.
Where does a Missouri aircraft closing actually happen?+
Through an FAA escrow agent in Oklahoma City, like every U.S. aircraft closing, deposit held in escrow, title searched, documents filed with the registry in sequence on funding day. You never have to leave Missouri.
Does Missouri conform to federal bonus depreciation?+
Generally yes; Missouri's rolling conformity to the Internal Revenue Code typically carries the federal 100 percent bonus depreciation rate through to state returns, though this area has seen active legislative attention, so confirm current-year treatment with your CPA.
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Rates are national; the Missouri layer is tax and market. Get pre-qualified with a soft pull and know your budget before you shop.

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Current Rates

Certified Piston6.22%
Turbine6.34%
EAB6.99%
LSA6.88%
Live rates, auto-updated from the 5-Year Treasury. See the full rate page.
Ask AmeliaMissouri buyer questions
Missouri buyers usually ask me two things: whether the state changes their rate (it does not) and how much they'll owe in local tax (it depends on the county and city where the aircraft is hangared, not where it's purchased). What are you looking at buying, and where will it be based?
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