What is the cost of living in Lake St. Louis, MO?
According to the most recent data on the cost of living, Lake St. Louis has an overall cost of living index of 109, which is 1.1x higher than the national index of 100.
Compared to Missouri, Lake St. Louis has a cost of living index that's 1.2x higher than Missouri's index of 90.
The standard of living in Lake St. Louis ranks as #126 most affordable out of the 144 places we measured in Missouri. By definition, that implies Lake St. Louis ranks as the #18 most expensive place in the Show Me State.
For more reading on life in Lake St. Louis, check out:
Lake St. Louis Cost Of Living Vs. Missouri
Six factors go into calculating the cost of living index in Lake St. Louis. Here is how it fares on each of the criteria:
The Services index in Lake St. Louis is 96.
The Groceries index in Lake St. Louis is 99.
The Health index in Lake St. Louis is 141.
The Housing index in Lake St. Louis is 93.
The Transportation index in Lake St. Louis is 94.
The Utilities index in Lake St. Louis is 97.
| Living Expense | Lake St. Louis | Missouri | National Average |
|---|---|---|---|
| Overall | 109 | 90 | 100 |
| Services | 96 | 97 | 100 |
| Groceries | 99 | 98 | 100 |
| Health | 141 | 76 | 100 |
| Housing | 93 | 95 | 100 |
| Transportation | 94 | 94 | 100 |
| Utilities | 97 | 96 | 100 |
Lake St. Louis Cost Of Living Compared To Missouri Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Missouri, check out:
Protect your home budget Compare home warranties in Lake St. Louis Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Lake St. Louis, MO Housing Cost Breakdown
Housing swings affordability the most between places in Missouri, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Lake St. Louis is $431,421.
The Median Rent in Lake St. Louis is $1,588.
The Median Income in Lake St. Louis is $125,693.
The Home Value To Income in Lake St. Louis is 3.4x.
The Rent To Monthly Income in Lake St. Louis is 0.15x.
| Statistic | Lake St. Louis | Missouri | United States |
|---|---|---|---|
| Median Home Value | $431,421 | $263,040 | $332,700 |
| Median Rent | $1,588 | $1,033 | $1,413 |
| Median Income | $125,693 | $70,702 | $80,734 |
| Home Value To Income | 3.4x | 3.7x | 4.1x |
| Rent To Monthly Income | 0.15x | 0.18x | 0.21x |
Lake St. Louis, MO Costs By Category
Detailed Lake St. Louis Services costs vs. Missouri
| Item | Lake St. Louis | Missouri |
|---|---|---|
| Shampoo | $1.11 | $1.28 |
| Movie | $11.28 | $12.13 |
| Bowling | $16.92 | $18 |
| Haircut | $21.19 | $24.26 |
| Beauty Salon | $40.57 | $45.56 |
Detailed Lake St. Louis Groceries costs vs. Missouri
| Item | Lake St. Louis | Missouri |
|---|---|---|
| Ground Beef | $6.4 | $5.84 |
| Fried Chicken | $1.36 | $1.57 |
| Milk | $4.5 | $4.67 |
| Potatoes | $5.28 | $4.93 |
| Pizza | $10.84 | $12.09 |
| Beer | $9.47 | $10.41 |
| Toothpaste | $3.75 | $3.7 |
Detailed Lake St. Louis Health costs vs. Missouri
| Item | Lake St. Louis | Missouri |
|---|---|---|
| Optometrist | $125.72 | $125.68 |
| Doctor | $124.51 | $135.78 |
| Dentist | $100.78 | $113.29 |
Detailed Lake St. Louis Transportation costs vs. Missouri
| Item | Lake St. Louis | Missouri |
|---|---|---|
| Gasoline | $3.2 | $3.46 |
| Tire Balancing | $50.0 | $59.92 |
Detailed Lake St. Louis Utilities costs vs. Missouri
| Item | Lake St. Louis | Missouri |
|---|---|---|
| All Electricity | $133.84 | $193.99 |
| Phone | $188.69 | $192.25 |
Lake St. Louis SnackAbility
Cost Of Living In Cities Around Lake St. Louis
The cost of living varies in the cities and towns around Lake St. Louis. Here's a quick look at the cost of living in the most populous nearby places:
O'Fallon, MO has a cost of living index of 105, 1.0x Lake St. Louis.
St. Peters, MO has a cost of living index of 97, 0.9x Lake St. Louis.
Chesterfield, MO has a cost of living index of 121, 1.1x Lake St. Louis.
| City | Population | Cost Of Living | Vs. Lake St. Louis |
|---|---|---|---|
| O'Fallon, MO | 93,801 | 105 | 1.0x |
| St. Peters, MO | 59,092 | 97 | 0.9x |
| Chesterfield, MO | 49,574 | 121 | 1.1x |
| Wentzville, MO | 47,061 | 105 | 1.0x |
| Wildwood, MO | 35,133 | 122 | 1.1x |
| Ballwin, MO | 31,279 | 109 | 1.0x |
| Dardenne Prairie, MO | 13,503 | 115 | 1.1x |
| Town and Country, MO | 11,607 | 168 | 1.5x |
| Ellisville, MO | 10,002 | 109 | 1.0x |
| Cottleville, MO | 5,937 | 119 | 1.1x |
