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Springfield, MO

Cost of living in Springfield, Missouri

Greene County, MO

Part of the Springfield Metro Area

Estimated monthly cost
$2,723/mo
for a single person, all categories combined

Population 301,121 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $795 29%
Healthcare $480 18%
Federal tax $438 16%
Transport $320 12%
Groceries $313 11%
Energy $194 7%
State tax $133 5%
Water $50 2%

Rent in Springfield

Fair Market Rents by bedroom count.

Studio
$790
per month
1 bedroom
$795
per month
2 bedroom
$998
per month
3 bedroom
$1,372
per month
4 bedroom
$1,539
per month

Source: HUD FMR FY2025

Income and earnings in Springfield

Annual earnings figures from the Census ACS.

Household income
$57,488
per year
Individual earnings
$36,846
per year
Per capita
$35,189
per year

Source: ACS 2019-2023 5-Year.

Home values in Springfield

Average values reported by homeowners.

Average home value
$203,500
Annual property tax
$1,469

Source: ACS 2019-2023 5-Year

Energy costs in Springfield

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 Springfield

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
11.5%

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 Springfield

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 Springfield

Commute patterns and estimated costs.

Average commute
20.0 min
Drive alone
77.5%
Public transit
0.9%
Work from home
10.0%

Source: ACS

Monthly cost estimates for Springfield

What it costs to live in Springfield each month.

Single person
$2,723
per month
  • Rent $795
  • Energy $194
  • Water $50
  • Groceries $313
  • Transport $320
  • Healthcare $480
  • Federal tax $438
  • State tax $133
Couple
$3,921
per month
  • Rent $998
  • Energy $233
  • Water $60
  • Groceries $519
  • Transport $420
  • Healthcare $864
  • Federal tax $611
  • State tax $216
Family
$6,417
per month
  • Rent $1,372
  • Energy $291
  • Water $70
  • Groceries $787
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $611
  • State tax $216

Frequently asked questions about Springfield

Common questions about cost of living, rent and salary.

What is the average rent in Springfield?

In Springfield, Missouri, a one-bedroom apartment averages $795 per month, a two-bedroom averages $998 per month, a three-bedroom averages $1,372 per month, according to HUD Fair Market Rent data.

What is the average salary in Springfield?

In Springfield, Missouri, the average household income is $57,488 per year and individual earnings for full-time workers average $36,846 per year, according to U.S. Census Bureau data.

What is the cost of living in Springfield?

The estimated cost of living in Springfield, Missouri is approximately $2,723 per month for a single person, $3,921 for a couple, $6,417 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Springfield?

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

Is Springfield an affordable place to live?

Based on the data, a single person in Springfield, Missouri would need approximately $2,723 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $57,488 per year ($4,791 per month). Springfield has a moderate cost of living relative to local earnings.

How much does healthcare cost in Springfield?

The ACA marketplace benchmark premium in Springfield, Missouri is approximately $480 per month for an individual. Approximately 11.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Springfield?

The average home value in Springfield, Missouri is $203,500, with average annual property taxes of $1,469, according to U.S. Census Bureau data.

How does Springfield compare to other areas?

You can compare Springfield, Missouri with any other US county using our comparison tool at /compare. Springfield is in the Springfield, 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 Springfield 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