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Cost of Living in Missouri in 2025

Explore Missouri's affordable living costs in 2025 including housing, transportation, healthcare, and how these compare with national averages.

cost of living in missouri

Missouri Cost of Living: Quick Takeaways

  • Housing Costs: The average rent for a one-bedroom apartment in Missouri is expected to reach $950 in 2025.
  • Transportation Expenses: Public transit fares average $2.00 per ride, with monthly passes around $70, while fuel costs sit near $3.25 per gallon.
  • Healthcare Costs: Employer-sponsored health insurance averages about $140 per month, with silver plan premiums near $600 monthly.
  • Income Levels: Median household income is approximately $64,811 in 2025, reflecting steady growth.

Missouri offers affordable living with costs of housing, transportation, and healthcare generally below national averages.

This article provides a detailed overview of the cost of living in Missouri for 2025, including housing prices, utilities, food expenses, and more.

This guide helps residents and prospective movers understand the financial aspects of living in the state.

1. Housing Costs in Missouri

Housing remains one of the largest expenses for Missouri residents.

  • 2010: Average rent for a one-bedroom apartment was about $600
  • 2015: Increased to around $700
  • 2020: Rose to approximately $800
  • 2024: Reached $900
  • 2025: Projected at $950

These figures show a steady rise over the years reflecting market trends and demand.

For insights on how market trends can affect your restaurant or hospitality business, check out our hospitality real estate market trends spotlight.

Owning a home presents another major financial commitment in Missouri.

  • 2010: Median home price was about $150,000
  • 2015: Increased to roughly $180,000
  • 2020: Rose to $220,000
  • 2024: Reached $260,908
  • 2025: Expected to remain stable at $260,908

This growth indicates a steady appreciation in real estate values over the past years.

3. Transportation Expenses in Missouri

Transportation costs in Missouri vary depending on mode of travel.

  • Public Transit: One-way fare averages $2.00, with monthly passes around $70
  • Fuel Costs: Average price per gallon is $3.25
  • Vehicle Maintenance: Annual maintenance costs average $1,200

These expenses are influenced by commuting choices and vehicle usage frequency.

For hospitality businesses, controlling expenses can improve profitability. Read our spotlight on reduce payment processing fees for restaurants to learn how operational savings can add up.

4. Utility Costs in Missouri

Utilities are an essential monthly expense for residents.

  • Electricity: Approximately $150 monthly
  • Internet: Around $60 per month
  • Total Utilities: Estimated $210 monthly for a standard apartment

Usage habits and provider rates impact these costs.

5. Grocery and Food Expenses in Missouri

Food costs in Missouri reflect affordability relative to national averages.

Monthly groceries roughly cost $300 per person, while dining out ranges from $15 at casual locations to $50 at mid-range restaurants.

If you are involved in restaurant management, check out our how to hire a restaurant manager guide to build your team effectively.

6. Healthcare Costs in Missouri

Healthcare spending includes insurance and out-of-pocket medical costs.

Employer-sponsored insurance averages around $140 per month, with silver health plan premiums near $600 monthly.

7. Educational Expenses in Missouri

Education costs vary across public, private, and higher education options.

  • Public Schools: Free to residents
  • Private Schools: Average tuition about $10,000 per year
  • In-State Universities: Tuition averages $8,000 annually

These costs should be considered in family budgets.

8. Entertainment and Leisure in Missouri

Entertainment costs contribute to quality of life.

  • Movie Ticket: Approximately $12 each
  • Gym Membership: Around $40 per month
  • Dining at Mid-Range Restaurants: About $50 per meal

Annual entertainment expenses tally close to $2,000 per person.

9. Taxes and Miscellaneous Fees in Missouri

Taxes impact disposable income and overall living expenses.

  • State Income Tax: Rates range from 0% to 4.0%
  • Sales Tax: Total rate is generally 6.0%
  • Property Tax: Approximately 0.91% of property value

These taxes are critical considerations for residents and property owners.

Restaurant owners may find our tax tips for restaurant owners spotlight helpful in navigating these financial aspects.

10. Childcare and Family Expenses in Missouri

Families must budget for childcare and related activities.

  • Daycare: Average monthly cost is about $800
  • After-School Programs: Approximately $300 monthly
  • Extracurricular Activities: Around $100 monthly

These expenses are vital to plan for families with children.

11. Clothing and Personal Care in Missouri

Spending on personal items totals moderate amounts.

  • Clothing: Around $100 monthly
  • Personal Care Items and Services: Approximately $50 monthly

These expenditures vary based on lifestyle preferences.

12. Insurance Costs in Missouri

Insurance is a crucial part of protecting assets and health.

  • Health Insurance: About $600 per month for silver plans
  • Auto Insurance: Roughly $1,200 annually
  • Homeowners Insurance: Around $1,000 annually
  • Renters Insurance: Approximately $200 annually

Insurance premiums depend on coverage and personal factors.

13. Miscellaneous Expenses in Missouri

Additional costs influence overall living expenditures.

  • Entertainment: Estimated $2,000 yearly
  • Personal Care Services: About $600 annually
  • Miscellaneous Goods and Services: Around $700 yearly

These contribute to the overall quality of life and budget needs.

14. Income and Salaries in Missouri

Income levels have steadily increased over the past decade.

  • 2010: Median household income was about $45,000
  • 2015: Increased to around $50,000
  • 2020: Rose to $55,000
  • 2023 and 2025: Approximately $64,811

This growth reflects economic development across the state.

To understand more about salary expectations and interviews for hospitality roles, view our how to answer salary expectations spotlight.

15. Comparison with National Averages

Missouri's cost of living is generally lower than national averages.

  • Overall Expenses: About 10% lower
  • Housing: Approximately 18% more affordable
  • Utilities: Around 2% less expensive
  • Food: Roughly 2% below national levels
  • Healthcare: About 8% cheaper
  • Transportation: Estimated 8% less costly
  • Goods and Services: Nearly 10% lower

This makes Missouri an affordable state for many residents.

Our Methodology for Missouri Cost of Living Figures

Our data derives from multiple reputable sources including government reports, statistical agencies, and market analyses. When exact data was unavailable, estimates were carefully made to ensure accuracy. We compile and cross-reference data for comprehensiveness and reliability.

Missouri Cost of Living: Conclusion

Missouri presents a cost of living that is below national averages across many categories, especially housing, healthcare, and transportation.

The steady increase in income combined with affordable expenses makes it an attractive place to live and work.

Understanding these factors helps residents and movers make informed financial decisions and plan their budgets effectively in Missouri.

For hospitality employers considering recruitment strategies in Missouri or similar markets, explore our restaurant staff hiring spotlight for actionable advice.