Cost Of Living in Birmingham, MO

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11%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

28%

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	Birmingham	Missouri	National
Cost of living	89	90	100
Groceries	97	96	100
Health care	97	97	100
Housing	72	77	100
Transportation	96	96	100
Utilities	95	95	100
Lifestyle & Entertainment	96	95	100
Household Items	99	97	100
Education & Childcare	95	95	100

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Cost Of Living Quick Facts

The cost of living in Birmingham is 2% lower than the Missouri average
The cost of living in Birmingham is 11% lower than the national average
Birmingham housing is 28% 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

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$100,940	$8,412	$2,355	$3,029
Renters	$45,470	$3,789	$1,061	$1,364

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.
River Bend, MO	9	96	3.7%
Mosby, MO	112	82	17.8%
Ferrelview, MO	622	82	18.1%
Homestead, MO	166	83	16.6%
Randolph, MO	29	84	15.8%
Birmingham, MO	176	89	11.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Chickaloon, AK	176	113	12.5%
Silver Springs, AK	176	119	19.4%
White Mountain, AK	176	98	1.8%
Ethelsville, AL	176	96	4.4%
Caulksville, AR	176	85	14.8%
Birmingham, MO	176	89	11.1%