Cost of Living in St. Louis, MI

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15%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
45%
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. Louis Michigan National
Cost of living8591100
Groceries9998100
Health care9697100
Housing5576100
Transportation9496100
Utilities99100100
Lifestyle & Entertainment9596100
Household Items10098100
Education & Childcare10095100
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Homes For Sale In St. Louis, MI

property for sale

404 E Saginaw St

Saint Louis, MI
property for sale

522 E Saginaw St

Saint Louis, MI
property for sale

520 S Franklin St

Saint Louis, MI
property for sale

11000 Riverside Dr

St. Louis, MI

Cost Of Living Quick Facts

  • The cost of living in St. Louis is 7% lower than the Michigan average
  • The cost of living in St. Louis is 15% lower than the national average
  • St. Louis housing is 45% 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

Most Affordable Places to Live in and Around St. Louis

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      The best places in Michigan

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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$69,274$5,773$1,616$2,078
      Renters$37,051$3,088$864$1,112
      A good indicator of the general affordability of housing in St. Louis, MI, 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. Louis, the median monthly income is $69,274 for those who own their own homes. Under the standard rule, that income level would allow for $1,616 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $37,051, per the median income in the area. That would allow for renters to spend up to $864 on monthly rental expenses.

      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.
      Merrill, MI8698317.2%
      Breckenridge, MI1,4728316.5%
      Alma, MI9,1878415.8%
      Ithaca, MI2,9238514.7%
      Shepherd, MI1,4088910.8%
      St. Louis, MI7,3168515.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Delphos, OH7,3158514.8%
      Willow Oak, FL7,317991.4%
      Dunbar, WV7,3178614.4%
      Fort Myers Beach, FL7,31314040.0%
      Lower Allen, PA7,3131000.1%
      St. Louis, MI7,3168515.2%
      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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