Cost Of Living in St. Charles, MI

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18%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

49%

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. Charles	Michigan	National
Cost of living	82	91	100
Groceries	95	98	100
Health care	95	97	100
Housing	51	76	100
Transportation	98	96	100
Utilities	102	100	100
Lifestyle & Entertainment	94	96	100
Household Items	97	98	100
Education & Childcare	90	95	100

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Homes For Sale In St. Charles, MI

702 Flint St

Saint Charles, MI

9.9 Acres Grabowski Rd

St Charles, MI

VL S Iva Rd

St Charles, MI

309 E North St

Saint Charles, MI

Cost Of Living Quick Facts

The cost of living in St. Charles is 9% lower than the Michigan average
The cost of living in St. Charles is 18% lower than the national average
St. Charles housing is 49% lower than the national average
Michigan general sales tax is 18% higher than the national average
Michigan state income tax is 64% higher 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	$103,486	$8,624	$2,415	$3,105
Renters	$29,819	$2,485	$696	$895

Michigan Sales Tax

State	General Sales Tax	With Max Surtax
Michigan	6%	6%

Michigan Income Tax

State	Income Tax (Low)	Income Tax (High)
Michigan	4.25%	4.25%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Saginaw, MI	50,125	79	21.0%
Buena Vista, MI	6,653	80	20.4%
Oakley, MI	293	80	19.9%
Bridgeport, MI	6,409	81	18.7%
Merrill, MI	869	83	17.2%
St. Charles, MI	2,152	82	17.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Oakland, MD	2,152	96	3.8%
Morrisville, NY	2,152	98	1.7%
Rainier, OR	2,152	109	9.4%
Arnold, CA	2,151	129	28.6%
Choctaw Lake, OH	2,151	107	6.7%
St. Charles, MI	2,152	82	17.5%