Salario de Maestro en Missouri (2026)
Salario promedio de Maestro en Missouri
$56,730/año
≈ $27/hora antes de impuestos
La mitad central gana $47,200–$61,620
Promedio de EE. UU.: $72,650
Fuente: BLS, May 2025 · Elementary School Teachers, Except Special Education
Después de impuestos (soltero)
$49,583/año
$4,132/mes · tasa efectiva 12.6%
- Federal $4,628
- Estatal $1,696
- Medicare $823
- Neto
Sin Seguro Social: la mayoría de los maestros de Missouri cotizan a una pensión estatal en su lugar. Si tu distrito sí lo retiene, el neto es unos $3,517 menor.
Salario por puesto en Missouri
- Elementary Teacher (0–5 yrs)BLS · 10th–25th percentile$39,980–$47,200
- Elementary Teacher (10+ yrs)BLS · 75th–90th percentile$61,620–$78,820
- Secondary / HS TeacherBLS · middle 50%$47,680–$71,000
- Special Education TeacherBLS · middle 50%$46,480–$70,770
- School PsychologistBLS · middle 50%$63,620–$82,350
- Speech-Language PathologistBLS · middle 50%$71,520–$103,240
Ver el desglose fiscal completo
| Categoría | Cantidad |
|---|---|
Sueldo Neto Anual | $49,583 |
Sueldo Neto Mensual | $4,132 |
Sueldo Neto Quincenal | $1,907 |
Sueldo Neto por Hora basado en 2,080 hrs/año | $24/hr |
Impuesto Federal | $4,628 |
Impuesto Estatal | $1,696 |
Medicare (sin Seguro Social) | $823 |
Tasa Efectiva de Impuesto impuestos totales ÷ salario bruto | 12.6% |
Missouri teachers face a moderate progressive tax (2-4.7%, top kicking in above $9K so most teachers are at the top rate) plus St. Louis and Kansas City each levy a 1% earnings tax on residents and non-residents working there. The structural standout is PSRS (Public School Retirement System of Missouri) — a defined-benefit pension at 2.5% × Final Average Salary × years of service, one of the most generous formulas in the country. The catch: MO teachers do NOT participate in Social Security (one of 15 states with this carve-out), so the entire retirement-income picture rests on PSRS plus voluntary 403(b)/457(b) accumulation. Top St. Louis suburbs (Ladue, Clayton, Kirkwood, Webster Groves) and Kansas City premium suburbs (Park Hill, Lee's Summit, Liberty) pay $62-92K mid-career. Here's the paycheck math, the PSRS-without-SS retirement structure, and where the OBBBA OT deduction applies.
Maestro: no todos los roles pagan lo mismo — ni de cerca
MO teaching segments by district tier and metro. St. Louis County premium suburbs (Ladue School District + Clayton SD + Kirkwood SD + Webster Groves SD) and Kansas City premium (Park Hill SD + Lee's Summit R-VII + Liberty 53) pay $62-92K mid-career — top of the MO range. St. Louis Public Schools (SLPS) and Kansas City Public Schools (KCPS) urban tier $48-72K with + Title I premium. Springfield, Columbia (UMissouri-adjacent), and rural MO at the floor — $42-60K mid-career.
Elementary Teacher (0–5 yrs)
$39,980–$47,200
Starting salary varies — Ladue $52K vs rural MO $42K · PSRS contribution begins immediately
Elementary Teacher (10+ yrs)
$61,620–$78,820
Step increases reward longevity · Master's + 30 credits standard mid-career
Secondary / HS Teacher
$47,680–$71,000
Math, CS, physics premium in shortage districts · Ladue / Clayton / Park Hill top
Special Education Teacher
$46,480–$70,770
Statewide shortage · MO Career Ladder stipend + DESE loan forgiveness
School Psychologist
$63,620–$82,350
Credential shortage drives premium · UMSL + UMissouri + UMKC programs
Fuente: BLS May 2025 · School Psychologists · Missouri · middle 50%
Speech-Language Pathologist
$71,520–$103,240
High demand · CCC-SLP + MO license required
Fuente: BLS May 2025 · Speech-Language Pathologists · Missouri · middle 50%
Instructional Coach
$59,150–$86,260
Leadership stipends $5-12K above base teacher salary
Fuente: BLS May 2025 · Instructional Coordinators · Missouri · middle 50%
Substitute Teacher (short-term)
$14.72–$18.12/hr
Long-term sub rates often higher · MO virtual school day rates
Fuente: BLS May 2025 · Substitute Teachers, Short-Term · Missouri · middle 50%
Vale la pena saber: PSRS (Public School Retirement System of Missouri, ~$54B AUM, ~270K active + retired members) is one of the strongest US teacher pensions: 2.5% × Final Average Salary × years of service, vesting at 5 years, full retirement at age 60 with 5 years OR rule of 80 (any age). A 30-year career on $68K FAS produces $51K/year DB pension for life. The trade is critical: MO teachers do NOT participate in Social Security under the 1951 PSRS carve-out, so retirement income rests entirely on PSRS plus voluntary /. Since January 2025 the Government Pension Offset and Windfall Elimination Provision no longer apply, so spousal and non-PSRS Social Security is paid in full. MSTA (Missouri State Teachers Association, ~37K members) and NEA-affiliated MO chapters operate as the primary educator associations; MO retains traditional collective bargaining with district-level contracts. 2024 HB 190 raised minimum teacher salary statewide to $40K.
OBBBA overtime, PSRS without Social Security, and Missouri's St. Louis / Kansas City earnings tax
2.0-4.7%
MO progressive state tax — top 4.7% kicks in at $9K (effectively flat for most teachers)
2.5% × FAS
PSRS pension formula — among most generous US teacher pensions · 30 yrs at $68K FAS = $51K/yr
0% SS
MO teachers do NOT participate in Social Security — entire retirement rests on PSRS + 403(b)/457(b)
Classroom teaching hours are -exempt under the professional/teacher exemption — your contract day doesn't generate overtime pay. That exemption does not stop at the contract day. 29 CFR 541.303(b) keeps a teacher who spends considerable time coaching athletic teams inside it, and 541.303(d) drops the salary tests entirely, so a flat stipend or an hourly rate cannot break it. Coaching, club advising, summer school, ESY work and district-paid tutoring are teaching, and none of it generates FLSA-required overtime.
The 2025 law (One Big Beautiful Bill Act) created a brand-new federal deduction on the premium portion of overtime pay. For tax years 2025 through 2028, you can deduct up to $12,500/year (single) or $25,000 (married filing jointly) of qualifying OT premium from your federal taxable income. Premium portion = the half of time-and-a-half. Two things follow for teachers: exempt work generates no -required overtime, so there is no premium to deduct; and a flat stipend is not computed at 1.5× anything, so it has no premium portion even in principle.
Real numbers for a Ladue School District math teacher at $72K base + $5K coaching + $3K summer school + $4K hourly tutoring = $12K supplemental income. None of that is -required overtime, so the honest deduction on it is zero and no state-conformity question arises. The supplemental income is ordinary wages, taxed by Missouri like the rest of your pay, with Medicare withheld but no Social Security, because PSRS-covered pay is outside it. Genuinely non-teaching, non-exempt district work is the narrow exception, and 29 U.S.C. 207(p)(2) usually keeps even that separate from your teaching hours. The Missouri levers that do move money are the 403(b)/457(b) double shelter and the PSRS contribution structure below.
MO teacher phaseout: the deduction phases out above $150K single / $300K . Most MO teachers (average $57K) are well under. Senior premium-suburb teachers + admin tracks at $90-145K with side income still mostly clear the threshold.
Missouri for teachers — the honest take
MO teaching splits into three distinct markets. St. Louis County premium suburbs (Ladue, Clayton, Kirkwood, Webster Groves, Parkway, Rockwood, Pattonville, Lindbergh) are the highest-pay tier — $62-92K mid-career with $5-10K local supplement above state schedule. Kansas City premium (Park Hill, Lee's Summit, Liberty, Blue Springs, Raymore-Peculiar) is the second tier — $58-85K mid-career. St. Louis Public Schools (SLPS), Kansas City Public Schools (KCPS), Springfield Public Schools, Columbia Public Schools, and rural districts sit at the floor — $42-65K mid-career.
MO's St. Louis 1% earnings tax + Kansas City 1% earnings tax are the structural cost. Both apply to wages earned in the city regardless of residence. SLPS teachers living in the City of St. Louis pay MO 4.7% top + 1% earnings = 5.7% combined. Same teacher in Ladue, Clayton, or Webster Groves (all St. Louis County, NOT city) pays only MO 4.7% — saves $580-$950 annually for senior teacher comp. KCPS teachers in Park Hill, Lee's Summit, Blue Springs (Jackson / Clay / Cass counties NOT KC city) similarly save the 1% layer. Springfield and Columbia have no local earnings tax — cleanest MO sub-federal stack.
St. Louis County teacher housing: Ladue / Clayton / Kirkwood / Webster Groves at $500K-$1.1M for 4BR family homes near top-tier MO public schools. Pattonville, Parkway, Rockwood at $400-650K. Affordable St. Louis County options: Florissant, Hazelwood, Maryland Heights at $250-400K (typically lower-pay districts). Kansas City premium suburbs (Park Hill, Lee's Summit, Liberty) at $375-650K with strong districts.
Springfield + Columbia are the under-the-radar MO options. Springfield (Republic SD, Nixa SD, Ozark SD top suburban districts) at $300-500K family homes. Columbia (Columbia Public Schools — top Boone County district) at $325-525K with UMissouri academic adjacency. Both metros offer cleaner cost-to-pay ratios than St. Louis or Kansas City premium tiers.
Most senior MO teachers retire in-state. PSRS pension provides guaranteed lifetime income at one of the most generous US formulas (2.5% × FAS × years). MO taxes pension at 4.7% top with up to $6K Public Pension Exemption for filers over 62. Combined with home-sale exclusion, many MO teachers retire to Lake of the Ozarks, southern MO (Branson area), or stay in their working metros. The relocation pressure that pushes NJ / NY / CA teachers to FL doesn't exist for MO PSRS retirees — PSRS without SS means the income stream is concentrated, but the 4.7% cap is moderate.
How Missouri taxes work for teachers (and the PSRS-without-SS retirement reality)
Missouri's progressive state income tax runs 2.0% to 4.7% with the top 4.7% bracket kicking in above $9,200 — effectively flat for any teacher at $40K+. For a $55K mid-career MO teacher, total MO tax is ~$2,400 (4.4% effective after standard deduction). The complication is local earnings tax: St. Louis 1% + Kansas City 1%, both applied to wages earned within the city regardless of residence. Teachers living in suburbs avoid this — Ladue, Clayton, Webster Groves are St. Louis County (not city); Lee's Summit, Park Hill, Liberty are Jackson/Clay/Cass counties (not KC).
PSRS (Public School Retirement System) is the central MO teacher financial story — 2.5% × Final Average Salary × years of service is one of the most generous US teacher pension formulas. A 30-year career at $68K FAS produces $51K/year DB pension for life, COLA-adjusted (capped at 5% annually). Vesting at 5 years; full retirement at age 60 with 5 years OR rule of 80 (any age combination of age + years totaling 80). PSRS contributions are 14.5% employee + 14.5% employer — meaningful paycheck deduction but the math compounds powerfully.
The critical MO teacher caveat: NO Social Security participation. Under the 1951 PSRS carve-out (one of 15 US states), MO public school teachers do not pay into or accrue Social Security. The Social Security Fairness Act, signed January 5, 2025, ended the Government Pension Offset, which used to cut spousal SS benefits by 2/3 of your PSRS pension. It also ended the Windfall Elimination Provision, so SS you earn outside teaching is paid in full. Practical impact: your retirement income is essentially PSRS + / + IRA — there is no SS supplement. Maxing 403(b) + 457(b) becomes critically important relative to teachers in SS-participating states.
MO conforms federal on / / — pre-tax deferrals reduce both federal and MO taxable income. Most MO school districts offer 403(b); larger districts (SLPS, KCPS, Park Hill, Lee's Summit, Springfield, Columbia) also offer 457(b). Combined limit $49K/year federal pre-tax. A $55K MO teacher's combined federal + MO marginal is ~16.7% (12% federal), so maxing both would save ~$6,000/year in tax — and given no SS, this is essential, not optional.
MO offers a Public Pension Exemption up to $6,000/year for filers over 62 with PSRS, MOSERS, or other MO public pensions, plus a state $25,000-$32,000 standard deduction at retirement. For a senior teacher at age 62+ with $51K PSRS pension, after exemption + standard deduction, MO taxable amount is much lower — effective state tax can drop to 2-3% on moderate retirement income. MO does NOT tax Social Security at the state level (relevant for spouse SS or any SS earned outside teaching).
- →Live in suburbs without earnings tax — St. Louis County (Ladue, Clayton, Kirkwood, Webster Groves, Parkway), Jackson/Clay/Cass County KC suburbs (Park Hill, Lee's Summit, Liberty). Saves $580-$950 annually on senior teacher comp.
- →Max AND at large MO districts — $49K combined federal pre-tax. ESSENTIAL given no Social Security; voluntary retirement savings replace what SS provides for teachers in other states.
- →Pursue Ladue / Clayton / Webster Groves / Parkway / Rockwood (St. Louis Co) or Park Hill / Lee's Summit / Liberty (KC area) — top MO district pay with $5-10K local supplement above state schedule.
- →PSRS service-credit verification and rule-of-80 planning. Vesting at 5 years; retirement at 60 with 5 years OR any age + years combination = 80. Plan break-in-service avoidance carefully.
- → eligibility — 100% of MO public school districts qualify. 10 years qualifying payments → tax-free forgiveness on remaining federal student loan balance.
- →MO Career Ladder stipend ($1,500-$5,000/year) for teachers meeting state professional development criteria — stackable with district pay and .
- →Check your Social Security record for spousal or non-teaching benefits — since WEP and GPO were repealed in January 2025, the PSRS pension no longer reduces them.
- →Stay in MO for retirement — MO Public Pension Exemption ($6K for 62+) + 4.7% top rate is moderate. PSRS pension fully credited; no relocation-tax pressure unless seeking 0% state.
Three Missouri teacher markets — what each one looks like
MO teacher geography splits into St. Louis premium suburbs, Kansas City premium suburbs, and Springfield/Columbia. Pay overlaps but earnings tax exposure varies enormously by suburb selection.
St. Louis Premium (Ladue / Clayton / Kirkwood / Webster Groves / Parkway / Rockwood)
Starting $50-62K · mid-career $68-92K · senior $82-115K + admin track $128-178KLadue School District (top MO district by AP scores), Clayton School District, Kirkwood R-VII, Webster Groves School District, Parkway School District, Rockwood R-VI, Pattonville School District, Lindbergh Schools. Plus SLPS (St. Louis Public Schools — urban, ~20K students, $48-72K base + Title I + ). Local supplements $5-10K above state schedule reflect affluent St. Louis County tax base.
St. Louis County housing $400-1.1M (Ladue $700K-$1.5M premium tier, Clayton $600K-$1M, Webster Groves $450-750K, Kirkwood $400-650K). Top-15 MO school districts cluster here. St. Louis 1% earnings tax applies to City but not County — most teachers live County.
Kansas City Premium (Park Hill / Lee's Summit / Liberty / Blue Springs / Raymore-Peculiar)
Starting $48-58K · mid-career $62-85K · senior $75-105K + admin track $115-162KPark Hill School District, Lee's Summit R-VII, Liberty 53, Blue Springs R-IV, Raymore-Peculiar R-II, North Kansas City Schools, Independence School District. Plus KCPS (Kansas City Public Schools — urban, ~14K students, $46-70K base + Title I + ). Strong MO suburban districts with $4-8K local supplements above state schedule.
KC suburb housing $325-650K (Lee's Summit $375-575K, Park Hill $350-525K, Liberty $300-475K, Blue Springs $300-450K). Kansas City 1% earnings tax applies to City of KC but most premium suburbs are in Jackson / Clay / Cass counties (not city) — saves the 1% layer entirely.
Springfield + Columbia (Mid-MO + Southwest MO)
Starting $44-54K · mid-career $54-72K · senior $68-92K + admin track $98-138KSpringfield Public Schools, Republic R-III, Nixa R-II, Ozark R-VI (all SW MO Greene County area). Columbia Public Schools (Boone County, UMissouri-adjacent). Plus regional rural districts. No local earnings tax in either metro — cleanest MO sub-federal stack. PSRS-eligible across all districts. Smaller premium ceilings than St. Louis or KC tiers but COL meaningfully lower.
Springfield housing $250-450K (Republic and Nixa premium suburbs $325-475K). Columbia housing $325-525K with strong UMissouri academic adjacency. Both metros offer some of the best MO cost-to-pay ratios — particularly attractive for early-career teachers building PSRS years before potentially upgrading to St. Louis or KC premium tiers.
The Missouri teacher career arc — credential to PSRS retirement
Year 1-2 (new teacher): $42-58K depending on district tier. MO teaching certificate requires bachelor's + state-approved teacher prep + Praxis or MoCA subject tests + clearances. PSRS membership begins immediately at 14.5% employee + 14.5% employer contribution — meaningful paycheck deduction but builds powerful pension. Premium suburb districts (Ladue, Clayton, Park Hill, Lee's Summit) competitive entry; SLPS / KCPS less competitive but still strong demand.
Year 3-7 (early career): $52-72K. Step increases on the salary schedule reward longevity. Most MO districts require Master's-in-progress within 5 years for permanent teaching certificate. M+15, M+30 columns add $5-12K above BA-only at top of schedule. Specialty cert + coaching stipends + summer school + ESY hourly add $4-12K to base. Maxing + is essential given no Social Security backup.
Year 7-15 (senior teacher / department head / instructional coach): $68-92K (premium suburbs $78-105K). Department head + instructional coach + curriculum coordinator + induction mentor stipends add $5-12K above teaching base. National Board Certification stipend $3-8K at most large MO districts. PSRS years-of-service compounding hard toward 2.5% × FAS × years formula.
Year 15-30 + retirement: $98-178K admin tier (premium suburb principals $128-185K). PSRS rule of 80 lets you retire as early as age 50 with 30 years of service — uniquely flexible among US public teacher pensions. A 30-year career at $68K FAS produces $51K/year DB pension for life, COLA-adjusted. Plus //IRA accumulation. NO Social Security, so the voluntary retirement-savings stack is critical. Most MO teachers retire in-state.
Where Missouri teachers actually live
MO teacher housing tracks district-of-employment selection plus earnings-tax arbitrage. St. Louis County teachers avoid the 1% city earnings tax by living in Ladue, Clayton, Webster Groves, Kirkwood. KC area teachers in Lee's Summit, Park Hill, Liberty avoid the KC earnings tax. Springfield and Columbia have no local earnings tax.
Ladue / Clayton (St. Louis Co premium)
Ladue SD / Clayton SD top MO · no city earnings tax · $600K-$1.5M family homes
Kirkwood / Webster Groves (St. Louis Co)
Kirkwood R-VII / Webster Groves SD · top MO districts · $400-750K · no city earnings tax
Parkway / Rockwood (West St. Louis Co)
Parkway SD / Rockwood R-VI · strong districts · $375-625K · no city earnings tax
Lee's Summit / Park Hill (KC area)
Lee's Summit R-VII / Park Hill SD · top KC districts · $375-575K · no KC earnings tax
Liberty / Blue Springs (KC north/east)
Liberty 53 / Blue Springs R-IV · strong districts · $300-475K · no KC earnings tax
Springfield / Columbia (mid-MO)
Republic / Nixa / Ozark / Columbia PS · $300-525K · no local earnings tax · UMissouri adjacency
Most senior MO teachers retire in-state — PSRS guaranteed lifetime income (2.5% × FAS × years) plus MO Public Pension Exemption ($6K for 62+) makes the late-career math reasonable. NO Social Security backup means voluntary / accumulation is essential.
¿Es la decisión correcta?
Missouri teaching — who it's best for
A tu favor
- +PSRS pension at 2.5% × FAS × years is among the most generous US teacher pension formulas
- +PSRS rule-of-80 lets teachers retire as early as age 50 with 30 years of service — uniquely flexible
- +MO progressive 4.7% top + standard deduction keeps effective rate moderate at teacher comp
- +St. Louis and KC suburbs have no city earnings tax — Ladue / Clayton / Lee's Summit / Park Hill save the 1% layer
- +MO fully conforms federal on 403(b) / 457(b) — pre-tax savings reduce both federal and MO taxable income
- +MO Public Pension Exemption ($6K for 62+) plus standard deduction lowers effective retirement tax to 2-3%
- +2024 HB 190 raised MO minimum teacher salary to $40K — material for rural districts
Vale la pena saber antes de firmar
- −MO teachers do NOT participate in Social Security — entire retirement income rests on PSRS + voluntary 403(b)/457(b)
- −Teaching years earn no Social Security credits — a mid-career exit leaves that time in PSRS only
- −St. Louis 1% + Kansas City 1% earnings tax apply to wages earned in city regardless of residence — most teachers live suburbs
- −MO base teacher pay below national average (~$55K) — Ladue / Clayton / Park Hill / Lee's Summit are the only structural premium tiers
- −PSRS contribution rate is 14.5% employee — meaningful paycheck deduction during working years
- −MO collective bargaining limited compared to NJ / MI — MSTA contracts at most large districts but bargaining authority varies
Fuentes y Metodología
- →IRS Rev. Proc. 2025-32 — tramos federales y deducción estándar 2026
- →IRS Notice 2025-67 — límites de aportación a planes de jubilación 2026
- →IRS Rev. Proc. 2025-19 — límites de aportación a HSA 2026
- →Administración del Seguro Social — base salarial del Seguro Social 2026
- →Missouri DOR Form MO-1040ES 2026 - tax rate chart and Missouri standard deduction amounts
- →Estadísticas de Empleo y Salarios por Ocupación (BLS OES) — datos salariales de Maestro en Missouri
- →Social Security Administration - Social Security Fairness Act: WEP and GPO ended (signed January 5, 2025; benefits from January 2024)
- →PSRS Missouri - New Member FAQs: most PSRS members do not contribute to Social Security
Las cifras salariales son estimaciones de mercado para Maestro en Missouri y varían según el empleador, la especialidad, la antigüedad y el área metropolitana. Los cálculos de sueldo neto asumen un declarante soltero sin dependientes, la deducción estándar y las tasas estatales de Missouri para 2026. Los impuestos locales, las primas de seguro y las aportaciones antes de impuestos cambiarán tu resultado — usa la calculadora para tu situación específica.
Calcula tu caso
- Calculadora de sueldo de Missouri → · 401(k), HSA, dependientes
- calculadora de bonos → · fin de año, firma, retención
- calculadora 1099 → · impuesto de autoempleo 15.3%
- calculadora de horas extra → · hasta $12,500 menos de impuesto federal
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