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Raymore, MO
Retirement Planning in Raymore
Raymore is the fastest-growing city on this site — up 15.8% from the 2020 census to 26,633 residents in 2025 — and the growth is reshaping who retires here. Many arrive from elsewhere in the metro at or near retirement age, which makes Cass County's senior property tax credit the first local question. The county made that credit continuous in January 2026: once enrolled, a senior no longer renews annually. New arrivals, and residents turning 62, must still enroll in person during an open enrollment window.
Why Raymore
Planning built for Raymore retirees
Cass County · about 30 minutes southeast · I-49 at 58 Highway
On January 8, 2026 the Cass County Collector of Revenue announced that under Ordinance 26-01 the County Commission had eliminated the annual renewal requirement for the Senior Citizen Property Tax Credit, authorized by Missouri Senate Bill 190 in 2023 and implemented in 2024. The Collector reported nearly 10,000 households enrolling in the first year and roughly 12,000 senior households in the program by then.
Raymore-Peculiar R-II is the school district serving Raymore, with 6,332 students and 447.28 full-time-equivalent teachers across 12 schools in 2024-25 per federal data, headquartered in neighboring Peculiar. The City of Raymore has participated in Missouri LAGERS since January 1990 under the L-6 benefit program, with 95 active members at June 30, 2020.
Raymore's own financial reports could not be retrieved for this page, so the two cards below rely on federal education data and on LAGERS' published schedule of participating employers.
Raymore-Peculiar R-II School District
6,332 students and 447.28 full-time-equivalent teachers across 12 schools in 2024-25, serving Raymore and Peculiar from a Peculiar headquarters. District employees are in Missouri's public school retirement systems.
City of Raymore
A LAGERS employer since January 1990 under the L-6 benefit program, with 95 active members at June 30, 2020 per LAGERS' annual report. A political subdivision pension under RSMo 143.124, subtracted up to $48,967 for 2026.
Missouri Taxes
Cass County's senior credit and Missouri tax in Raymore
Missouri income tax law as of tax year 2026 · verified August 2026
The Cass County Senior Citizen Property Tax Credit under RSMo 137.1050 freezes the real property tax on a homestead at the amount owed in the year a qualifying senior first enrolls. Under Ordinance 26-01, effective January 2026, enrollment is continuous until cancelled. The credit is age 62, requires ownership and primary residence, and is claimed with the county — not on the Missouri return.
Missouri's income tax rules are the same in Raymore as across the state. Social Security is subtracted from age 62 under RSMo 143.125. A Ray-Pec or city LAGERS pension is subtracted up to $48,967 for 2026 less any Social Security exemption; a private 401(k) gets the $6,000 exemption that ends at $38,000 of Missouri AGI for married filing combined. The rate is 4.7% for tax years 2025 and 2026.
- Missouri top rate, TY2026
- 4.7%
- Capital gains subtraction, TY2025+
- 100%
- Public pension cap, TY2026
- $48,967
Sources: Missouri DOR pension FAQ · RSMo 143.124 · DOR 2025 legislative changes · Cass County Collector, Ordinance 26-01
Tax figures on this page are current as of the dates shown and are provided for general education only. Kansas and Missouri retirement tax rules changed in 2024 and 2025, and several of these figures are adjusted annually for inflation or depend on future revenue triggers. Nothing here is tax, legal, or investment advice. Confirm your own situation with your tax professional before acting.
Who We Help
Is this you?
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Age 50+ and within 10 years of retirement
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$2M or more saved, mostly in 401(k)s and IRAs
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Ready to delegate planning to a fiduciary team
What to Expect
Your Retire Ready Roadmap™
The traditional advisor manages your portfolio, not your tax bill. Your tax-first retirement plan connects income, investments, healthcare, and legacy into one coordinated system, built to keep more of what you saved, before you commit to anything.
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Your Tax-First Retirement Plan
Your Retire Ready Roadmap™ gets built: a complete retirement plan covering your income, taxes, healthcare, investments, and legacy. The Rothification Method™ drives the tax strategy, so you keep more of what you built.
1st commitment · One-time financial plan creation
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Your Plan, Put to Work
Once you decide to move forward, your Retire Ready Roadmap™ gets executed and every transfer detail gets handled for you. Nothing moves until you approve each step, so you stay in control from day one.
2nd commitment · Work with MOKAN ongoing
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Your Plan, Kept Current
Your plan keeps working as life, markets, and tax laws change. Regular check-ins adjust your strategy and keep you ahead of anything that could affect what you keep.
Client Reviews
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Nearby
Retirement planning nearby
Belton shares Raymore's Cass County credit and Collector; Grandview and Lee's Summit are the Jackson County cities just north, where the county program differs.
Common Questions
Retiring in Raymore: common questions
We're enrolled in Cass County's senior property tax credit in Raymore. Do we still have to renew every year?
Not anymore. On January 8, 2026 the Cass County Collector of Revenue announced that, under Ordinance 26-01 adopted by the County Commission, currently enrolled seniors no longer fill out a renewal application — in the Collector's words, it is now a continuous credit until cancelled. The credit was authorized by Missouri Senate Bill 190 in 2023 and implemented in Cass County in 2024. The change applies to existing enrollees only; new applicants still enroll in person.
We're moving to Raymore at 63. When can we enroll in the Cass County senior credit?
During the Collector's open enrollment window, in person. The Cass County Collector announced on July 22, 2026 that open enrollment for 2027 applicants runs April 12 through July 9, 2027, 9 a.m. to 3 p.m. at Mill-Walk Mall, 2725 Cantrell Road, Harrisonville. It is for new applicants only — homeowners new to the county and those turning 62. Bring a government photo ID, a utility bill for the homestead address or a Cass County voter ID, and trust or LLC documents if the home is held in one.
Next Step
Ready to Keep More of What You've Built?
If you and your spouse have $2M or more in investable assets, a tax-first retirement plan helps you keep more of it, year after year.