Cost of Living in St. James, MO

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16%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
44%
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. James Missouri National
Cost of living8490100
Groceries9896100
Health care9997100
Housing5677100
Transportation9596100
Utilities9595100
Lifestyle & Entertainment9295100
Household Items9997100
Education & Childcare9295100
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Homes For Sale In St. James, MO

property for sale

17015 County Road 1020

Saint James, MO
property for sale

224 W Scioto St

Saint James, MO
property for sale

21350 County Road 1000

Saint James, MO
property for sale

14394 Dillon Outer Rd

Saint James, MO

Cost Of Living Quick Facts

  • The cost of living in St. James is 7% lower than the Missouri average
  • The cost of living in St. James is 16% lower than the national average
  • St. James housing is 44% 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 St. James

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      Salary Calculator

      This is how much you would need to earn in
      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$87,651$7,304$2,045$2,630
      Renters$42,300$3,525$987$1,269
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in St. James, MO, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for St. James homeowners, is $87,651. This would allow for a maximum of $2,045 per month to be spent on housing costs. For renters, the median monthly income is $42,300 which would result in a maximum of $987 to be spent on rental costs.

      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.
      Steelville, MO1,5238217.8%
      Doolittle, MO5018416.5%
      Cuba, MO3,3718613.9%
      Rolla, MO20,807918.9%
      St. James, MO4,1848416.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Whiteriver, AZ4,1848317.3%
      Crescent Springs, KY4,1841021.6%
      Broken Bow, OK4,1838217.8%
      North East, PA4,185919.3%
      Caro, MI4,1828316.6%
      St. James, MO4,1848416.0%
      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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