Cost Of Living in St. Ann, MO

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14%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

41%

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	St. Ann	Missouri	National
Cost of living	86	90	100
Groceries	99	96	100
Health care	98	97	100
Housing	59	77	100
Transportation	95	96	100
Utilities	93	95	100
Lifestyle & Entertainment	99	95	100
Household Items	98	97	100
Education & Childcare	97	95	100

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Homes For Sale In St. Ann, MO

3550 Saint Christopher Ln

Saint Ann, MO

3554 Theresa Ave

Saint Ann, MO

11108 Bernice Ave

Saint Ann, MO

10607 Saint Michaels Terrace Ct

Saint Ann, MO

An Overview of Cost of Living in St. Ann, MO

Are you thinking about relocating, but curious about the potential cost of living in St. Ann? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in St. Ann stands at 86, making it 14% lower 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 expenses can absorb a substantial portion of your net income, sometimes exceeding 30%. Thankfully, St. Ann stands out by reporting housing costs that are 40.5% lower than the national average. This signifies that both homeownership and rental expenses in this region are considerably more budget-friendly compared to the rest of the country. With such favorable housing affordability, residents of St. Ann can allocate a more reasonable portion of their income to housing, allowing for greater financial flexibility.

Is St. Ann Affordable?

Is St. Ann affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in St. Ann, the median home price is 50.5% lower than the national average and monthly rent prices are 17.2% lower than the typical rates. Additionally, the median income levels play a role in affordability, with St. Ann boasting a median household income of $70,440, 13.4% lower than the national average.

What Factors can Influence the Cost of Living in St. Ann?

Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In St. Ann, the housing index is 40.5% lower than the national average.

Healthcare: The costs associated with healthcare and insurance premiums can exhibit notable disparities based on the city or state of residence. Access to healthcare facilities, out-of-pocket expenses for medical appointments, dental care charges, prescription medication costs and specialized medical care expenses all contribute to variations in the cost of living. In St. Ann, healthcare costs are 1.8% 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.

Where is the Data From?

The St. Ann cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.

Cost Of Living Quick Facts

The cost of living in St. Ann is 5% lower than the Missouri average
The cost of living in St. Ann is 14% lower than the national average
St. Ann housing is 41% 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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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	$95,119	$7,927	$2,219	$2,854
Renters	$52,827	$4,402	$1,233	$1,585

A good indicator of the general affordability of housing in St. Ann, MO, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In St. Ann, the median monthly income is $95,119 for those who own their own homes. Under the standard rule, that income level would allow for $2,219 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $52,827, per the median income in the area. That would allow for renters to spend up to $1,233 on monthly rental expenses.

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, MO	3	96	4.1%
Brooklyn, IL	445	74	26.2%
East St. Louis, IL	27,033	77	22.5%
Alorton, IL	2,149	78	22.3%
East Carondelet, IL	330	78	22.2%
St. Ann, MO	13,143	86	14.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Key Biscayne, FL	13,140	269	169.5%
Martinsville, VA	13,146	88	12.4%
Clarkston, GA	13,147	97	3.3%
Greenville, OH	13,135	85	14.6%
Fort Bliss, TX	13,157	115	14.7%
St. Ann, MO	13,143	86	14.1%

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.