Cost of Living in Berkeley, MO

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16%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
45%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Berkeley Missouri National
Cost of living8490100
Groceries9996100
Health care9397100
Housing5577100
Transportation9796100
Utilities9695100
Lifestyle & Entertainment9495100
Household Items9797100
Education & Childcare9695100
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Homes For Sale In Berkeley, MO

property for sale

9137 Harold Dr

Saint Louis, MO
property for sale

6226 Garfield Ave

Saint Louis, MO
property for sale

6128 Washington Ave

Berkeley, MO
property for sale

6314 Peurifoy Ave

Saint Louis, MO
See the Newest Homes For Sale In Berkeley, MO

Cost Of Living Quick Facts

  • The cost of living in Berkeley is 7% lower than the Missouri average
  • The cost of living in Berkeley is 16% lower than the national average
  • Berkeley housing is 45% lower than the national average
  • Missouri general sales tax is 17% lower than the national average
  • Missouri state income tax is 23% lower than the national average

Most Affordable Places to Live in and Around Berkeley

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Compare Berkeley, MO Cost of Living

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      Salary Calculator

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      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$62,868$5,239$1,467$1,886
      Renters$41,178$3,432$961$1,235
      A good way to judge both the affordability of the housing and the cost of living in Berkeley is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Berkeley has a median income of about $62,868 for people who own homes. Based on that number, a maximum of $1,467 should be spent on expenses related to housing. Renters have a slightly different median income, which is $41,178. Based on this average, renters should spend no more than $961 on all rental costs if they want to maintain a non-impoverished standard of living.

      Missouri Sales Tax

      State General Sales Tax With Max Surtax
      Missouri 4.225% 10.85%

      Missouri Income Tax

      State Income Tax (Low) Income Tax (High)
      Missouri 2% 4.95%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Champ, MO3964.1%
      Brooklyn, IL4457426.2%
      East St. Louis, IL27,0337722.5%
      Alorton, IL2,1497822.3%
      East Carondelet, IL3307822.2%
      Berkeley, MO9,1248416.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Olmsted Falls, OH9,124946.2%
      Fort Valley, GA9,1278515.3%
      North Kensington, MD9,13014342.9%
      Stoneham-et-Tewkesbury, QC9,130n/a 
      Andover, MA9,11716059.9%
      Berkeley, MO9,1248416.1%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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