Cost Of Living in St. Paul, MO

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D+

17%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

68%

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. Paul	Missouri	National
Cost of living	117	90	100
Groceries	95	96	100
Health care	98	97	100
Housing	168	77	100
Transportation	93	96	100
Utilities	92	95	100
Lifestyle & Entertainment	98	95	100
Household Items	99	97	100
Education & Childcare	99	95	100

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Homes For Sale In St. Paul, MO

1000 Highway Y

St Paul, MO

1034 Sweet River Dr

O Fallon, MO

507 Castle Rock Bend Dr

O'Fallon, MO

1104 Duxbury Ln

O Fallon, MO

Cost Of Living Quick Facts

The cost of living in St. Paul is 30% higher than the Missouri average
The cost of living in St. Paul is 17% higher than the national average
St. Paul housing is 68% higher 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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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	$198,284	$16,524	$4,626	$5,949
Renters	$145,920	$12,160	$3,405	$4,378

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.
Defiance, MO	70	96	4.3%
Fountain N' Lakes, MO	241	82	18.1%
Brussels, IL	117	82	17.9%
Winfield, MO	2,007	88	11.9%
Batchtown, IL	209	89	11.4%
St. Paul, MO	2,548	117	17.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Ross, CA	2,548	336	235.7%
Winthrop, ME	2,548	104	4.1%
Day Heights, OH	2,547	96	3.9%
Bethel Heights, AR	2,549	91	9.3%
Window Rock, AZ	2,549	81	19.4%
St. Paul, MO	2,548	117	17.4%