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Jefferson City, MO

Cost of living in Callaway County, MO

Part of the Jefferson City Metro Area

Estimated monthly cost
$2,738/mo
for a single person, all categories combined

Population 44,541 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $761 28%
Healthcare $480 18%
Federal tax $477 17%
Transport $320 12%
Groceries $313 11%
Energy $194 7%
State tax $143 5%
Water $50 2%

Rent in Callaway County

Fair Market Rents by bedroom count.

Studio
$756
per month
1 bedroom
$761
per month
2 bedroom
$998
per month
3 bedroom
$1,202
per month
4 bedroom
$1,420
per month

Source: HUD FMR FY2025

Income and earnings in Callaway County

Annual earnings figures from the Census ACS.

Household income
$72,645
per year
Individual earnings
$39,196
per year
Per capita
$32,920
per year

Source: ACS 2019-2023 5-Year.

Home values in Callaway County

Average values reported by homeowners.

Average home value
$196,200
Annual property tax
$1,549

Source: ACS 2019-2023 5-Year

Energy costs in Callaway County

Estimated monthly electricity and gas costs.

Electricity
$142
per month · 14.2¢/kWh
Natural gas
$52
per month
Annual total
$2,328
per year

Source: EIA

Healthcare in Callaway County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
8.5%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Callaway County

State and local tax rates for Missouri.

State income tax
4.8%
Top marginal rate
State sales tax
4.2%
Combined sales tax
8.3%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Callaway County

Commute patterns and estimated costs.

Average commute
23.6 min
Drive alone
79.0%
Public transit
0.8%
Work from home
9.0%

Source: ACS

Monthly cost estimates for Callaway County

What it costs to live in Callaway County each month.

Single person
$2,738
per month
  • Rent $761
  • Energy $194
  • Water $50
  • Groceries $313
  • Transport $320
  • Healthcare $480
  • Federal tax $477
  • State tax $143
Couple
$4,229
per month
  • Rent $998
  • Energy $233
  • Water $60
  • Groceries $519
  • Transport $420
  • Healthcare $864
  • Federal tax $859
  • State tax $276
Family
$6,555
per month
  • Rent $1,202
  • Energy $291
  • Water $70
  • Groceries $787
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $859
  • State tax $276

Frequently asked questions about Callaway County

Common questions about cost of living, rent and salary.

What is the average rent in Callaway County?

In Callaway County, MO, a one-bedroom apartment averages $761 per month, a two-bedroom averages $998 per month, a three-bedroom averages $1,202 per month, according to HUD Fair Market Rent data.

What is the average salary in Callaway County?

In Callaway County, MO, the average household income is $72,645 per year and individual earnings for full-time workers average $39,196 per year, according to U.S. Census Bureau data.

What is the cost of living in Callaway County?

The estimated cost of living in Callaway County, MO is approximately $2,738 per month for a single person, $4,229 for a couple, $6,555 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Callaway County?

The combined sales tax rate in Callaway County, MO is 8.29%, which includes the Missouri state rate of 4.22% plus an average local rate of 4.06%.

Is Callaway County an affordable place to live?

Based on the data, a single person in Callaway County, MO would need approximately $2,738 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $72,645 per year ($6,054 per month). Callaway County is relatively affordable compared to the national average.

How much does healthcare cost in Callaway County?

The ACA marketplace benchmark premium in Callaway County, MO is approximately $480 per month for an individual. Approximately 8.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Callaway County?

The average home value in Callaway County, MO is $196,200, with average annual property taxes of $1,549, according to U.S. Census Bureau data.

How does Callaway County compare to other areas?

You can compare Callaway County, MO with any other US county using our comparison tool at /compare. Callaway County is in the Jefferson City, MO metro area.

Other counties in Missouri

Browse the full list of counties in Missouri, ranked by cost of living.

See all counties in Missouri

Compare Callaway County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources