St. Joseph

Cost of Living in St. Joseph, MO (2026): Rent, Utilities & Take-Home

$2,824 left/mo

Photo: Tim Kiser / Wikimedia

$2,570/mo in St. Joseph. $2,824 left each month. Prices 13% below the US average.

Pick a home city How we figure this

Monthly costs

Take-home $5,394/mo.

Taxes$1,584
Rent$754
Other$1,816
Left$2,824

Pay and tax, per year

Gross household pay: $83,730
Federal income tax: −$9,591
Social Security and Medicare: −$6,405
State income tax (MO): −$3,009
Take-home pay: $64,726
Effective tax rate: 22.7%

Living costs, per month

Rent, 1br: $754
Groceries: $350
Getting around: $547
Healthcare: $394
Utilities and internet: $219
Everything else: $306
Total spending: $2,570

After tax and rent

$2,824 left/mo

Stats

Rent: $898; 2 bd median
Take-home: $5,394; Per month
Tax: 23%; Of pay
Prices: 12% below; US, besides rent

Average electric bill in Missouri

About $120 a month for a household using 900 kWh. That is the EIA residential price for Missouri in 2025, 13.3¢ per kWh. It is a state average, not a St. Joseph utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Moving from St. Joseph

Moving from St. Joseph to St. Louis