A general summary of the cost of living index in St. Joseph, MI is shown above. Compared to the state average of Michigan the cost of living index in St. Joseph, MI is 91, which is 3% higher than the average in Michigan and compared to the national average it is 9% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In St. Joseph, MI goods and services come in at 2% lower than the average in Michigan and are 9% lower than compared to the nationwide average.