Cost of Living in St. Paul, MO

Population 3,292 · Missouri · Data vintage 2023

104
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

St. Paul is a smaller Missouri community of around 3000 residents, where median household incomes of $154,022 and housing costs ($422,000 for a typical home) give the local cost-of-living profile a distinctly small-town shape. An unemployment rate of 0.7% points to a labor market well on the tight side of the national distribution.

St. Paul is about 30 miles northwest of St. Louis, the nearest large metro — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 128% higher than St. Louis' $185,000.

Cost Overview

Housing 138
Rent 53

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in St. Paul

The median home value in St. Paul is $421,900 — 38% above the national median of $305,000. Median rent runs $697/month, 47% lower than the national median of $1,314/month. The median household income of $154,022/year is 107% higher than the US median of $74,580. The local unemployment rate is 0.7%, below the national average of 4.8%. Missouri's top state income tax rate is 5.0% and the combined sales tax is 8.4%. Overall, St. Paul has a cost of living index of 104 versus the US average of 100, meaning it is 4% more expensive.

🏠 Housing

Median Home Value
$421,900
38% above avg
Median Rent
$697/mo
47% below avg
Price-to-Rent Ratio
50.4x
Favors renting
Property Tax Rate
1.0%
Effective rate

HUD Fair Market Rents by Bedroom

Studio
$623
1 BR
$668
2 BR
$826
3 BR
$1,142
4 BR
$1,311
Owner-occupied 97.6%
Renter-occupied 2.4%

💰 Estimated Monthly Budget

Rent median rent
$697
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $1,311/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚
Eggs (dozen)
$0.548
🍞
White Bread (lb)
$1.912
🥩
Ground Beef (lb)
$5.61

🚗 Transportation

Avg Commute
28.5 min
6% above avg
Gas Price
$3.145/gal
0% below avg
Work From Home
12.3%

Commute Mode

Drove alone
77.2%
Carpooled
2.4%
Walked
1.2%
Work from home
12.3%

Utilities

Electricity
$0.176/kWh
0% below avg

📋 Taxes

State Income Tax 5.0%
Total Sales Tax 8.4%
State rate 4.2%
Avg local rate 4.1%
Property Tax 1.0%

💼 Income & Employment

Median Household Income
$154,022
107% above avg
Per Capita Income
$60,764
Unemployment Rate
0.7%
85% below avg
Poverty Rate
0.2%
Labor Force Participation
63.5%

🎓 Education

Bachelor's degree+ 26.2%
Graduate degree 15.1%

👥 Demographics

Median Age 43.1
Male median age 42.8
Female median age 43.8

Frequently Asked Questions

What is the cost of living in St. Paul, MO?

St. Paul has a cost index of 104 (100 = national average). It is 4% above the national average.

What is average rent in St. Paul, MO?

The median gross rent in St. Paul is $697 per month based on 2023 Census data.

What is the average home price in St. Paul?

The median home value in St. Paul is $421,900 according to 2023 Census ACS data.

What is the median income in St. Paul?

The median household income in St. Paul is $154,022 per year (2023 ACS 5-year estimates).

What is the sales tax in St. Paul, MO?

The combined state and local sales tax rate in St. Paul is 8.4%. The Missouri state income tax top rate is 5.0%.

Is St. Paul, MO affordable?

St. Paul is near the national average in terms of cost of living, with an index of 104 (100 = US average).

St. Paul at a Glance

Population
3,292
Median Income
$154,022
Home Value
$421,900
Median Rent
$697/mo
Unemployment
0.7%
Sales Tax
8.4%
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🗺️ County data for Missouri

Explore county-level cost of living data

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