Are you thinking about moving to St. Louis, MO, or already living here and curious about the cost of living? St. Louis, located in the heart of Missouri, offers a unique blend of affordability, rich culture, and diverse opportunities. This guide provides an in-depth look at expenses, salaries, and life in St. Louis to help you decide if it’s the right place for you.
What is the Cost of Living in St. Louis, MO?
St. Louis’s living costs are often lower than the national average, making it an attractive option for individuals and families looking for affordability. According to the Council for Community and Economic Research (C2ER) data, St. Louis’s cost of living index is significantly below that of other major U.S. cities. From housing to groceries, basic necessities in St. Louis are much more affordable than in other metro areas.
Housing in St. Louis: Affordable or Not?
Housing is a standout factor contributing to the city’s lower cost of living. The average rent for a one-bedroom apartment in St. Louis is approximately $950 per month, which is far less expensive than cities like Chicago or New York.
If you’re considering purchasing a home, the real estate market in St. Louis offers a range of options. Median home prices hover around $200,000, which is affordable compared to the national median of $350,000.
| Housing Type | Average Cost in St. Louis |
| One-Bedroom Apartment | $950/month |
| Two-Bedroom Apartment | $1,200/month |
| Median Home Price | $200,000 |
How Much Does Transportation Cost in St. Louis?
Transportation expenses in St. Louis are also budget-friendly. Gas prices are typically below the national average, hovering around $3.20 per gallon in 2025. Public transportation options like MetroLink and MetroBus offer affordable ways to navigate the city. A monthly transit pass costs around $78, making it an excellent option for commuters.
Utility Costs in St. Louis
Utilities in St. Louis, including electricity, gas, and water, are priced competitively. On average, residents can expect to pay approximately $200 per month for essential services.
| Utility | Average Monthly Cost |
| Electricity | $110 |
| Gas | $50 |
| Water & Sewer | $40 |
What’s the Average Salary in St. Louis?
The average salary in St. Louis depends on the industry and occupation. For example:
- Healthcare professionals earn an annual average wage of $80,000.
- Jobs in education and government offer an average salary of $55,000.
- Service industry roles pay a median hourly rate of $15.
The median household income in St. Louis is approximately $65,000 per year, which supports a comfortable lifestyle, given the city’s affordable housing and living expenses.
Grocery and Everyday Expenses
Grocery costs in St. Louis are lower than in many other metro areas. A single person can expect to spend around $300 monthly on food, while a family of four might pay $800. Everyday items, such as clothing and personal care products, are also reasonably priced.
Living Comfortably in St. Louis: How Much Do You Need to Earn?
To live comfortably in St. Louis, a single person should earn at least $40,000 annually. The living wage requirement for a family of four increases to around $80,000, especially if they have two children.
The cost of living calculator provided by organizations like MIT offers a deeper look into how individual needs vary based on family size and household income.
St. Louis Real Estate Market Overview
The St. Louis real estate market boasts stability and affordability. Home prices are sourced from reputable analytics firms, showing that St. Louis offers one of the most affordable housing markets in the United States.
Renters also benefit from competitive prices, with a monthly rent average of $1,100 for two-bedroom apartments.
How Inflation Impacts Life in St. Louis
Like the rest of the U.S., St. Louis has experienced inflation recently. This has affected prices for housing, transportation, and groceries. However, the city’s lower cost of living helps cushion the impact compared to more expensive cities.
Is St. Louis the Right Place for You?
St. Louis is a great place to live if you’re seeking affordability, a rich cultural scene, and job opportunities. Its cost of living and its unique amenities make it an ideal choice for many. St. Louis has something to offer whether you’re a single professional or part of a family.
