| Index | Ballwin | Missouri | National |
| Cost of living | 111 | 90 | 100 |
| Groceries | 95 | 96 | 100 |
| Health care | 98 | 97 | 100 |
| Housing | 144 | 77 | 100 |
| Transportation | 97 | 96 | 100 |
| Utilities | 95 | 95 | 100 |
| Lifestyle & Entertainment | 94 | 95 | 100 |
| Household Items | 98 | 97 | 100 |
| Education & Childcare | 95 | 95 | 100 |
Are you thinking about relocating, but curious about the potential cost of living in Ballwin? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Ballwin stands at 111, making it 11% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.
Housing costs are a major factor in the Ballwin cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 44.5% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
Is Ballwin affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Ballwin, for instance, where the median home price falls 53.8% higher than the national average, and monthly rent rates are 22.7% higher than usual. Additionally, median income levels contribute to the equation, with Ballwin flaunting a median household income of $146,973, 80.7% higher than the national norm.
Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Ballwin, the utilities index registers at 4.7% lower than the national average.
Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.
Housing: A sought-after location with high housing demand often leads to increased property values and rental rates, which can significantly inflate the overall cost of living. Conversely, areas with low housing demand, particularly in less desirable locales, tend to experience the opposite effect, causing prices to drop and contributing to a more affordable cost of living. In Ballwin, the housing index stands at 44.5% higher than the national average.
The cost of living estimates displayed for Ballwin are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $165,459 | $13,788 | $3,860 | $4,964 |
| Renters | $77,459 | $6,455 | $1,807 | $2,324 |
| State | General Sales Tax | With Max Surtax |
| Missouri | 4.225% | 10.85% |
| State | Income Tax (Low) | Income Tax (High) |
| Missouri | 2% | 4.95% |
| City | Population | Cost of Living Index | National Avg. |
| Defiance, MO | 70 | 96 | 4.3% |
| Champ, MO | 3 | 96 | 4.1% |
| Peaceful Village, MO | 95 | 69 | 31.1% |
| Kinloch, MO | 344 | 79 | 20.8% |
| Wellston, MO | 1,958 | 81 | 18.8% |
| Ballwin, MO | 31,123 | 111 | 10.6% |
| City | Population | Cost of Living Index | National Avg. |
| North Royalton, OH | 31,118 | 101 | 0.6% |
| Madison Heights, MI | 31,139 | 93 | 6.7% |
| Santa Paula, CA | 31,101 | 142 | 42.2% |
| Milford Mill, MD | 31,149 | 113 | 13.3% |
| San Lorenzo, CA | 31,094 | 169 | 69.4% |
| Ballwin, MO | 31,123 | 111 | 10.6% |
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