What is the Average Cost of Living in Missouri in 2025?

Thinking about moving to Missouri? With cities like St. Louis, Kansas City, Springfield, and Columbia, Missouri offers a mix of city life and small-town charm. In 2025, the state is known for its low cost of living. This makes it a popular choice for people who want the perks of big cities without the high prices.

Missouri’s cost of living index is 89, well below the national average, making it the sixth most affordable state. A single person can live comfortably on about $86,819 per year, lower than many neighboring states. Let’s explore Missouri’s costs, including housing, utilities, and essentials.

Understanding the Average Cost of Living in Missouri

The average cost of living in Missouri means that a single adult should budget about $86,819 a year to cover basic needs. Housing costs around $865 per month for a one-bedroom apartment. Meanwhile, groceries cost about $244 each month.

Utility bills add roughly $593 per month. Transportation is moderate, with gas prices near $3.10 per gallon. Healthcare costs average about $780 per month. Childcare costs approximately $837 monthly if you need it.

In smaller cities, like Columbia and Springfield, costs are often 5–8% lower. Rural areas offer even more savings, especially on groceries and utilities.

Housing and Rental Market in Missouri

Missouri’s housing market is one of the state’s strongest affordability points. Many residents pay less here than those in larger metro areas across the country.

• The median home price is $261,715. This is 29% below the U.S. average.
• Median rent for a one-bedroom apartment is $865.

How Does Missouri Compare to Nearby States?

• Compared to Illinois: Home prices are 19% lower, and rents are up to 20% cheaper.
• Compared to Kansas: Missouri’s home prices are 6–8% higher. Rents are about the same.
• Compared to Arkansas: Missouri’s home prices are 6–8% higher. Rent differences are minor.
• Compared to Iowa: Home prices are 4% higher. Rents stay about the same.
• Compared to Michigan: Housing costs are similar.

Major metro areas like St. Louis and Kansas City have home prices near these averages. However, downtown and trendy neighborhoods can be more expensive. In contrast, suburbs and smaller cities such as Jefferson City offer more budget-friendly options.

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Utilities and Other Living Expenses in Missouri

Utility costs in Missouri are attractive for many residents, contributing to the overall average cost of living in Missouri.

Here’s how monthly utilities break down:

• Electricity: $115.35
• Gas: $89.94
• Water/Sewer: Combined $203
• Internet: $72.80
• Total monthly utilities average: $593

Compared to other states:

• Illinois averages $548/month—slightly less due to urban systems
• Kansas ranges $480–$530/month with cheap gas and water
• Arkansas sees about $524/month, 8% below US average
• Iowa averages $530/month with seasonal heating costs
• Michigan’s average is about $545/month with high variability

Groceries also affect monthly budgets. Missouri residents spend $244 on average per month, placing them among the ten cheapest states. This cost is just below Kansas and Iowa and significantly less than Illinois at $327.

Transportation costs are reasonable. Gas prices hover around $3.10 per gallon. Vehicle insurance and public transit remain moderate, especially compared to Illinois’s higher fees.

Healthcare spending in Missouri averages $9,374 annually, close to the national average. Illinois spends more than $10,960, while Iowa and Michigan tend to be slightly lower.

Income and Job Market Overview in Missouri

The average cost of living in Missouri means a single adult will need roughly $86,819 per year for a comfortable life. This is:

• 4–12% less than Illinois or Michigan
• 3–6% higher than Kansas or Arkansas

Missouri’s job markets—especially in Kansas City, St. Louis, and Springfield—offer competitive wages. These cities are hubs for healthcare, education, logistics, and tech sectors. They attract skilled workers and offer growing opportunities.

Is Living in Missouri Worth the Cost?

Missouri offers a strong balance of affordability and amenities, making living here worthwhile. Lower costs for housing, utilities, and groceries let residents enjoy a comfortable lifestyle without overspending. On top of that, cultural activities, sports, and outdoor recreation add value beyond just the budget.

Regional Insights

• St. Louis: Offers job opportunities with affordable neighborhoods.
• Kansas City: Growing tech and healthcare sectors with diverse housing.
• Springfield: Known for low costs and a college-town vibe.
• Columbia: Affordable rentals near universities and health facilities.

Rural Missouri offers lower grocery and housing costs, perfect for families or individuals seeking space. Before moving, compare local taxes, school quality, and commute times for the best fit.

Final Thought on Missouri’s Average Cost of Living

The average cost of living in Missouri remains well below national levels. Its housing affordability, manageable utility bills, and moderate grocery and healthcare costs make it a solid choice.

For families and professionals, Missouri offers a cost-friendly lifestyle paired with vibrant communities and ample amenities.

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FAQs About Missouri’s Cost of Living