St. James cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexSt. JamesMissouriNational
Cost of living index8490100
IndexSt. JamesMissouriNational
Goods & Services index9593100
Groceries index9698100
Health care index9997100
Housing index5678100
Transportation index9394100
Utilities index101103100
The above illustration supplies generalized information for the St. James, MO cost of living index. Compared to other cities in Missouri and cities across the country, the cost of living index in St. James, MO is 84, which is 7% lower than the Missouri average and 16% lower than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in St. James, MO are 2% higher than the average for Missouri and 5% lower than the rest of the country.

Did you know?

  • The cost of living in St. James is 7% lower than the Missouri average.
  • The cost of living in St. James is 16% lower than the national average.
  • The cost of housing in St. James is 44% lower than the national average.
  • Missouri general sales tax is 17% lower than the national average.
  • Missouri state income tax is 33% lower than the national average.

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Compare St. James, MO Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in St. James, MO to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of St. James, MO, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the St. James, MO salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in St. James, MO as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for St. James, MO homeowners, is $48,664. This would allow for a maximum of $1,135 per month to be spent on housing costs. For renters, the median monthly income is $29,167 which would result in a maximum of $681 to be spent on rental costs.

Missouri Sales Tax

StateGeneral Sales TaxWith Max Surtax

Missouri Income Tax

StateIncome Tax (Low)Income Tax (High)
When assessing the complete cost of living in St. James, MO, the Missouri income tax and the Missouri sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The Missouri maximum surtax is 10.85%, and the Missouri sales tax is 4.225%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 1.5% to 6% in Missouri.

Goods & Services

ItemSt. JamesNational avg.Difference
Haircut $13.39$16.0916.8%
Beauty Salon $36.23$37.333.0%
Toothpaste $2.71$2.4510.6%
Shampoo $0.86$1.0014.4%
Movie $8.28$10.2819.5%
Bowling $4.43$4.9310.2%


ItemSt. JamesNational avg.Difference
Ground Beef $3.92$3.803.0%
Fried Chicken $1.13$1.4018.9%
Milk $2.49$2.0124.2%
Potatoes $2.78$3.017.7%
Pizza $9.59$9.893.0%
Beer $8.47$8.904.8%

Health Care

ItemSt. JamesNational avg.Difference
Optometrist $90.65$102.1611.3%
Doctor $103.48$108.364.5%
Dentist $88.71$92.534.1%
Ibuprofen $9.76$9.285.2%
Lipitor $468.32$425.8210.0%


ItemSt. JamesNational avg.Difference
Home Price $92,900.00$184,700.0049.7%
Avg. Mortgage Payment $939.15$1,202.4421.9%
Apartment Rent $665.00$949.0029.9%


ItemSt. JamesNational avg.Difference
Gasoline $2.16$2.243.7%
Tire Balancing $40.13$46.2913.3%


ItemSt. JamesNational avg.Difference
All Electricity$159.39$165.964.0%
Phone $30.61$28.686.7%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Steelville, MO1,90382-18%
Doolittle, MO67083-17%
Cuba, MO3,34883-17%
Rolla, MO19,90488-12%
St. James, MO4,15684-16%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Maeser, UT4,1561022%
Taylor, AZ4,15395-5%
Malden, MO4,15975-25%
Clarkdale, AZ4,15996-4%
Mount Orab, OH4,15989-11%
St. James, MO4,15684-16%
Source: The St. James, MO cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.