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Cost of Living in
Missouri

Living cost is 8.08% lower than avg
Families spend upto $8,200/mo on avg
Homeowners spend $7,904/mo on avg
Renters spend $4,206/mo on avg

Cost of Living in
Missouri

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A Breakdown of the Cost of Living in Missouri

U.S. Avg.

Missouri

Difference Diff

Home Price

$532,491

$453,230.44

15%

Apartment Rent (per month)

$1,367

$1,213.33

11%

U.S. Avg.

Missouri

Difference Diff

Phone (per month)

$219.4

$194.08

12%

Total Energy (per month)

$200.23

$194.37

U.S. Avg.

Missouri

Difference Diff

Grocery Staples

Corn Flakes (per box)

$6.79

$5.85

14%

Frozen Corn (per bag)

$2.41

$2.18

10%

Frozen Meal (per package)

$4.85

$3.86

20%

Cooking Oil (per bottle)

$6.16

$8.89

44%

Detergent (per bottle)

$19.51

$22.19

14%

Facial Tissues (per box)

$2.85

$2.39

16%

Sweet Peas (per can)

$1.83

$1.72

Sugar (per bag)

$4.66

$4.87

Bread (per loaf)

$3.87

$4.16

Frying Chicken (per lb)

$1.64

$1.68

Meat & Poultry

Chicken (per lb)

$1.71

$1.75

Steak (per lb)

$14.54

$20.08

38%

Sausage (per lb)

$5.23

$5.26

Ground Beef (per lb)

$8.61

$8.4

Snacks & Beverages

Soft Drink (per bottle)

$3.45

$3.1

10%

Potato Chips (per bag)

$5.54

$4.33

22%

Coffee (per lb)

$6.55

$6.92

Fresh Orange Juice (per half gallon)

$5.22

$5.45

Fruits & Vegetables

Peaches (per can)

$4.40

$2.83

36%

Lettuce (per head)

$1.98

$2.04

Bananas (per lb)

$0.64

$0.73

14%

Potatoes (per bag)

$5.58

$5.84

Dairy & Eggs

Parmesan Cheese (per lb)

$4.69

$4.93

Margarine (per lb)

$1.30

$1.45

12%

Eggs (per dozen)

$3.98

$4.01

Whole Milk (per gallon)

$4.08

$4.71

15%

Seafood

Chunk Light Tuna (per can)

$1.22

$1.28

U.S. Avg.

Missouri

Difference Diff

Tire Balance (per tire)

$70.23

$66.92

Gasoline (per gallon)

$2.9

$2.96

U.S. Avg.

Missouri

Difference Diff

Doctor Visit (per visit)

$116.03

$153.73

32%

Dentist Visit (per visit)

$145.11

$115.66

20%

Ibuprofen (per bottle)

$12.38

$12.42

Prescription Drug (per month)

$20.8

$23.31

12%

Optometrist Visit (per visit)

$95.27

$140.76

48%

U.S. Avg.

Missouri

Difference Diff

Women’s Slacks

$35.43

$37.33

Boys’ Jeans

$29.47

$27.18

Men’s Shirt

$39.36

$41.06

Wine (per bottle)

$7.51

$13.08

74%

Beer (per 6-pack)

$11.17

$9.94

11%

Veterinary Services (per visit)

$65.33

$60.78

Tennis Balls (per pack)

$3.59

$4.05

13%

Yoga (per class)

$12

$16.63

39%

Movie (per ticket)

$11.67

$13.2

13%

Newspaper (per copy)

$19.31

$10.63

45%

Washer Repair (per service)

$109.47

$94.12

14%

Women Slacks

$34.88

$35.69

Boy Jeans

$29.51

$27.75

Man Dress Shirt

$39.05

$40.32

Dry Cleaning (per item)

$13.45

$16.61

23%

Shampoo (per bottle)

$1.55

$1.47

Toothpaste (per tube)

$3.64

$4.32

19%

Beauty Salon (per visit)

$47.5

$44.76

Haircut (per cut)

$27.08

$24.33

10%

Fried Chicken (per serving)

$4.37

$5.46

25%

Pizza (per pizza)

$11.99

$12.16

Hamburger (per serving)

$5.28

$5.58

They call it the Show Me State—so let’s talk numbers. The cost of living in Missouri is 8.08% lower than the national average. From the rolling Ozarks to fast-growing cities like Kansas City and St. Louis, Missouri offers a mix of nature, job markets, and affordable living. Mild seasons, strong public universities, and lower housing costs make it attractive for families, retirees, and remote workers alike.

Housing in Missouri is 15% lower than the US average. The average home price in Missouri is $453,230.44, saving buyers over $107,000, compared to the national median. A 20% down payment comes to about $52,180, and monthly mortgage payments are typically lower than in other states. Moreover, many homes in Missouri come with spacious yards, basements, and garages; features that often come at a premium in more expensive markets.
Rent in Missouri is 11.2% lower than the national average. A one-bedroom home in Missouri rents for about $11.2, while a two-bedroom averages $1,300. Standard amenities like parking and central air are common. In bigger cities like St. Louis or Kansas City, modern buildings may offer extras like gyms or lounges, though they’re less common in rural areas.
Utilities costs in Missouri are 6% lower than the US average. Monthly bills total about $390, including electricity, gas, water, internet, and trash service. HOA fees range around $470, depending on the neighborhood. Tornado insurance may be recommended in some areas, but generally remains affordable.
Groceries in Missouri are 6% higher than the national average. A family of four typically spends $1,000 per month on groceries, while a single adult averages $350 to $500. Average prices include milk at about $4.71 per gallon, bread at $4.16 per loaf, and ground beef at around $8.40 per pound. Shopping at local markets can potentially help manage these costs.
Transportation costs in Missouri is 2.7% higher than the national average. Gas averages $2.96 per gallon, and car insurance is about $148 per month. Public transit is available in Kansas City and St. Louis, with monthly passes around $80. However, most areas of the state still rely on personal vehicles.
Healthcare in Missouri is 0.17% lower than the US average. A routine check-up costs $95, and an ER visit without insurance is around $2,400. You get access to quality care in major cities, with hospital systems offering competitive rates and wide coverage.
Miscellaneous costs in Missouri are 5.89% lower than the US average. Gym memberships range from $35 to $65, and movie tickets average $13.20. Childcare runs between $860 and $1,100 a month, and low-cost entertainment—like parks, museums, and local events—is easy to find across the state.

Moving to Missouri? Your cost of living may feel more manageable—but don’t forget to budget for housing, utilities, and everyday essentials to keep your finances on track. 👉 Next Step: Compare single-family homes in Missouri.

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Is Living in Missouri Expensive?

No, Missouri is not expensive to live in. The overall cost of living in Missouri is 8.08% lower than the national average, making it an affordable choice for many households. Housing is especially budget-friendly, 15% lower than the national average. Utilities, healthcare, and day-to-day extras like dining and entertainment are also cheaper than in most US states.

With a budget of $300,000, you can buy a well-kept three-bedroom home in suburbs like Lee’s Summit, Columbia, or St. Charles—often with a backyard, garage, and schools nearby. In comparison, that same amount in cities like Denver or Austin might only cover a small condo. For middle-class families, Missouri offers space, stability, and savings.

Housing in Missouri

Buying a home in Missouri is significantly more affordable than in most states. With prices 15% lower than the national average, monthly mortgage payments typically range from $1,800 to over $2,300. Whether you’re after city buzz or small-town calm, Missouri's housing market offers a wide range of options for every buyer.

Buying a House in Missouri

If you're a young adult or single individual, urban neighborhoods like Midtown Kansas City, The Grove, and Tower Grove East in St.Louis are popular for their walkability, cafés, nightlife, and public transit access. One-bedroom homes in these areas typically range from $180,000 to $300,000, with mortgage payments starting at $1,700 to $2,100 per month, a manageable entry point for solo professionals or first-time buyers.
If you're a married couple with young children, family-friendly areas such as Lee’s Summit and Kirkwood offer great value, with three-bedroom homes in Kirkwood priced between $325,000 and $475,000, and mortgages from $1,700 to $2,100 per month. These neighborhoods are close to parks, daycare centers, and schools like Summit Pointe Elementary and North Kirkwood Middle, both known for their strong early education programs.
If you're a married couple with older children, suburban communities like Chesterfield and Blue Springs are ideal for those in search of more space and quality schools. Four-bedroom homes in Chesterfield range from $400,000 to $600,000, with monthly payments between $2,100 and $2,500. Schools in the area, like Marquette High School and Blue Springs South High, are highly-rated for their academic and extracurricular programs.

Renting a House in Missouri

While renters across the US pay close to $1,500 for a one-bedroom, Missouri renters typically spend $1,213.33. A two-bedroom home averages $1,300, though rent varies by city, neighborhood, and amenities. Here's how rental costs stack up:

If you're a young adult or single renter, affordable cities like Columbia, Springfield, and St. Joseph are good options. Homes in Springfield, near Midtown or Rountree, cost $950 to $1,150 a month, with access to cafes, coworking spaces, and walkable parks. In Columbia, areas like The District offer nightlife and the COMO Connect bus service.
If you're a married couple with young children (under 6), suburban areas like Wentzville, Raymore, and Republic offer safe communities with parks and schools nearby. Two-bedroom homes in Raymore rent for $1,250 to $1,500 monthly, and offer access to family clinics, grocery stores, and community events. These towns also have good school districts and quick commutes to city centers.
If you're a family with older children (ages 6 to 17), neighborhoods like O'Fallon, Ballwin, and Liberty are ideal for space and schooling. Three-bedroom homes in Ballwin rent for $1,700 to $2,200 a month, and areas are zoned for strong public schools like Lafayette High. Amenities include libraries, shopping centers, and athletic facilities, though you’ll likely need a car.
If you're a retiree or downsizer, towns like Cape Girardeau, Ozark, and Jefferson City appeal with their slower pace and healthcare access. Two-bedroom homes in Ozark rent for $850 to $1,250 a month, and communities often include senior-friendly amenities like clinics, pharmacies, and quiet parks within walking distance.
If you're an international student, students attending Mizzou, Missouri State, or SLU often choose shared rentals in student hubs like East Campus or Midtown St. Louis. These areas offer shuttle routes, dining, and proximity to campus. Three-bedroom homes in Columbia rent for $1,500 to $1,800; splitting rent lowers individual costs by 30 to 40%.

Utilities in Missouri

Food and Groceries in Missouri

Food prices in Missouri are 6% higher than the national average—nothing too dramatic, but you might notice the difference if you're shopping for a full household. Missouri’s central location means lower shipping costs than coastal states, but seasonal pricing shifts and Midwest demand can nudge totals upward. Let’s take a closer look at what you’ll spend on groceries and staples in Missouri:

Proteins for Family Dinners: Steak costs about $20.08 per pound, which is 5% lower than the national average, so your weekend grill-out doesn’t have to feel like a splurge. Ground beef averages $8.40, and sausage is around $5.26, offering easy weeknight dinner options. Whole chicken is the most economical, at $1.75 per pound, making it a go-to for batch cooking or family meals.
Kitchen Essentials: A gallon of whole milk is $4.71, just 2% above the national average. A dozen eggs costs $4.01, slightly higher than average, while coffee is priced at $6.92 per container, which is 3% lower. Other basics include margarine at $1.48, cheddar cheese at $3.85, sugar at $4.87, and orange juice at $5.45 per bottle.
Fruits and Vegetables: Missouri’s access to farmland helps keep produce costs competitive. Bananas go for $0.73 each, which is 8% lower than the US median. Lettuce is $2.04 per head, and peaches average $2.83 per pound, cheaper than coastal cities. Tropical fruits like mangoes sell for $1.20 each, while grapes cost about $2.85 per pound, offering a fairly balanced produce bill overall.
Snacks and Frozen Meals: Snack lovers won’t see much sticker shock here. Potato chips average $4.33 per bag, about 3% below the national average. Frozen staples like peas cost $3 to $4 per bag, and corn is $5.85 per bag; both slightly under typical US prices. Even frozen pizzas hold steady at $12.16, making it easy to keep the freezer stocked.
Other Grocery Expenses: Household items are reasonably priced across most stores. Cooking oil is $8.89 per bottle, which is 3% less than the national average. Facial tissues cost $2.39, and laundry detergent is $22.19 (5% lower than average). You’ll find paper towels around $3.60 per pack, and trash bags at $6.85 per box, so everyday upkeep is manageable in Missouri homes.

Transportation in Missouri

Healthcare in Missouri

Healthcare costs in Missouri are 0.17% lower than the national average, making it one of the more affordable states for medical care in the US. While routine check-ups and common prescriptions won’t hit your wallet too hard, unexpected ER visits or dental procedures can still add up. Here's a closer look at what you might pay for healthcare in the Show-Me State:

Doctor Visit — $153.73+ per visit: A general check-up in Missouri averages $135, slightly below the national average. This covers typical visits like cold and flu symptoms, blood pressure monitoring, or prescription refills. For more specialized appointments—say, dermatology consults or managing chronic conditions—costs may be higher, based on the clinic or provider network.
Dentist Visit — $115.66+ per visit: A routine dental cleaning in Missouri costs $110 to $120, while a cavity filling usually ranges from $140 to $180. That’s still less expensive than what you’d pay in bigger metros like New York or California. Basic X-rays and fluoride treatments are also more affordable here, generally 5 to 10% below the national average.
Optometrist Visit — $140.76+ per visit: Eye exams in Missouri cost around $125, and include vision testing and prescription updates. If you’re getting contact lenses or need treatment for dry eyes or other minor conditions, budget an extra $50 to $130, depending on complexity.
Prescription Drugs — $23.31+ per month: For ongoing conditions, you’ll pay $12 to $18 for Lisinopril (blood pressure), or $15 to $30 for Metformin (type 2 diabetes) if you're uninsured. Antibiotics like Amoxicillin average $25, and some generic medications are even cheaper through big box stores or pharmacy discount programs.
Over-the-Counter Meds — $10+ per package: OTC essentials are pretty wallet-friendly. A pack of ibuprofen or allergy medications like loratadine costs $12.42, and cold/flu relief such as Mucinex or DayQuil ranges between $11 and $15. Whether you're fighting off Midwest pollen or braving flu season, your medicine cabinet won’t empty your bank account.

Compared to states like New York, California or Massachusetts, healthcare in Missouri is notably less expensive. Healthcare access is typically reliable, particularly in mid-sized cities such as Columbia, Springfield, and Kansas City. Missouri’s varied climate means fewer year-round allergens than coastal areas. The overall lower cost of living keeps medical services, from dental cleanings to urgent care, within reach for more residents.
It’s still smart to carry health insurance. The average cost of a doctor's visit in Missouri is about $135*, but the monthly premium for health insurance typically ranges from $480* to $890*, depending on your plan and coverage level.

*These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in Missouri

Miscellaneous expenses in Missouri are 5.89% lower than the national average, which means your non-essentials won’t drain your wallet too quickly. Whether you’re grabbing a burger or heading to the salon, everyday extras in Missouri tend to be more affordable than in larger metro areas.

Food and Drinks: A burger at a local diner costs around $5.58, while a casual sit-down meal with an entrée, drink, and sides is typically $18 to $25 per person. Tacos come in at $3 to $5 each, and a slice of pizza is usually between $12.16. If sushi is your thing, expect to pay $10 to $15 per roll at most mid-range spots. A brewed coffee goes for $6.92, while a local craft beer at a neighborhood bar costs around $5 to $ 12 per pint. All in all, Missouri keeps your food budget relatively intact, even if you like to eat out a few times a week.
Personal Care and Grooming: Staying groomed doesn’t cost a fortune in the Show-Me State. A basic haircut is about $24.33, while a visit to the salon for a wash, blow-dry, and styling costs $44.76. Skincare treatments typically range from $55 to $95 per session, and a basic manicure should set you back $25. For a massage at a local spa, you’re looking at $60 to $80, depending on the location.
Clothing and Laundry: Missouri’s four-season climate means your wardrobe needs a little of everything: jackets, jeans, breathable summer wear. A dress shirt averages $41.06, while a good pair of jeans is around $27.18. Dry cleaning services cost $16.61 per visit, but for most households, at-home laundry with a reliable washer/dryer is the more budget-conscious option.
Fitness and Entertainment: A drop-in yoga class costs $16.63, and movie tickets average $13.20. Missouri also offers plenty of free and low-cost recreation—think scenic hiking in the Ozarks, walking trails in Forest Park (St. Louis), or biking the Katy Trail. Concerts, local festivals, and farmers markets also keep things lively without straining your budget.
Pet-Related Expenses: Routine vet visits cost about $60.78, while emergency care can hit $400 or more, depending on the situation. Missouri is pet-friendly, with open spaces like Loose Park in Kansas City and Tower Grove Park in St. Louis offering dog-walking paths, open fields, and pet-friendly events.

What Salary Do You Need to Live in Missouri?

The average income in Missouri is 8.08% lower. In order to live comfortably, you’ll need between $45,000 and $110,000 per year, depending on your lifestyle and living situation. While the minimum wage in Missouri helps cover basic living costs for some individuals, major expenses like childcare, groceries, and transportation can still stretch your budget, especially for families.

Homeowners spend $94,844.00 per year: This covers mortgage payments, property taxes, utilities, food, and other essentials for the average homeowner in Missouri.

Renters spend $50,467.00 per year: Renting a one-bedroom home, paying for basic utilities, food, and occasional transportation adds up quickly, especially in larger cities like St. Louis or Kansas City.

Families with kids spend $98,405.00 per year: With childcare, a larger home, and growing household needs, families with children face significantly higher annual costs.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a Missouri cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Missouri's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in Missouri?

The average gas price in Missouri is $2.96 per gallon, matching the national average. Thanks to shorter commutes and less congestion than coastal metros, you’ll likely spend less at the pump, unless you’re road-tripping across the Ozarks on weekends.

Is Missouri a good place to live?

Yes, Missouri is a good place to live if you value affordability, access to nature, and a slower pace of life. With outdoor destinations like the Lake of the Ozarks and bustling cities like St. Louis and Kansas City, the state offers a range of lifestyle options. Public universities and renowned hospital systems enhance quality of life in the state.

What is the cost of living in Missouri?

The Missouri cost of living is 8.08% lower than the national average. Housing and utilities are especially affordable, while groceries are slightly above average. Cities like Columbia and Springfield are budget-friendly, while certain parts of St. Louis or Kansas City are more expensive.

What is the average rent in Missouri?

A one-bedroom home in Missouri typically rents for $1,213.33 per month, depending on the city and neighborhood. Springfield and St. Joseph offer lower rates, while downtown Kansas City and the Central West End in St. Louis tend to cost more, due to their amenities and central locations.

How much is rent for a two-bedroom home in Missouri?

A two-bedroom home in Missouri rents for an average of $1,485 to over $1,800 per month. Suburban areas like Lee’s Summit, Chesterfield, and Blue Springs offer family-friendly rentals with more space, while urban units in walkable neighborhoods command higher prices.

What is the average price of utilities in Missouri?

Utilities in Missouri average $450 per month, covering electricity, water, sewer, and trash services. Mild spring and fall seasons help keep HVAC costs lower, though winters can increase heating bills in northern parts of the state.

How much is childcare in Missouri?

If you’re moving to Missouri, childcare costs range from $800 to $1,100 per month, depending on your city and care provider. Larger metro areas have plenty of daycare centers and private pre-schools, while suburban and rural towns like Jefferson City or Cape Girardeau provide more budget-friendly in-home options.