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Rolla, MO

Cost of living in Phelps County, MO

Estimated monthly cost
$2,541/mo
for a single person, all categories combined

Population 44,948 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $680 27%
Healthcare $480 19%
Federal tax $384 15%
Transport $320 13%
Groceries $313 12%
Energy $194 8%
State tax $120 5%
Water $50 2%

Rent in Phelps County

Fair Market Rents by bedroom count.

Studio
$672
per month
1 bedroom
$680
per month
2 bedroom
$878
per month
3 bedroom
$1,160
per month
4 bedroom
$1,164
per month

Source: HUD FMR FY2025

Income and earnings in Phelps County

Annual earnings figures from the Census ACS.

Household income
$55,427
per year
Individual earnings
$33,531
per year
Per capita
$29,191
per year

Source: ACS 2019-2023 5-Year.

Home values in Phelps County

Average values reported by homeowners.

Average home value
$194,900
Annual property tax
$1,248

Source: ACS 2019-2023 5-Year

Energy costs in Phelps 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 Phelps County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
8.8%

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 Phelps 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 Phelps County

Commute patterns and estimated costs.

Average commute
20.4 min
Drive alone
73.6%
Public transit
0.1%
Work from home
7.0%

Source: ACS

Monthly cost estimates for Phelps County

What it costs to live in Phelps County each month.

Single person
$2,541
per month
  • Rent $680
  • Energy $194
  • Water $50
  • Groceries $313
  • Transport $320
  • Healthcare $480
  • Federal tax $384
  • State tax $120
Couple
$3,759
per month
  • Rent $878
  • Energy $233
  • Water $60
  • Groceries $519
  • Transport $420
  • Healthcare $864
  • Federal tax $577
  • State tax $208
Family
$6,163
per month
  • Rent $1,160
  • Energy $291
  • Water $70
  • Groceries $787
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $577
  • State tax $208

Frequently asked questions about Phelps County

Common questions about cost of living, rent and salary.

What is the average rent in Phelps County?

In Phelps County, MO, a one-bedroom apartment averages $680 per month, a two-bedroom averages $878 per month, a three-bedroom averages $1,160 per month, according to HUD Fair Market Rent data.

What is the average salary in Phelps County?

In Phelps County, MO, the average household income is $55,427 per year and individual earnings for full-time workers average $33,531 per year, according to U.S. Census Bureau data.

What is the cost of living in Phelps County?

The estimated cost of living in Phelps County, MO is approximately $2,541 per month for a single person, $3,759 for a couple, $6,163 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Phelps County?

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

Is Phelps County an affordable place to live?

Based on the data, a single person in Phelps County, MO would need approximately $2,541 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $55,427 per year ($4,619 per month). Phelps County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Phelps County?

The ACA marketplace benchmark premium in Phelps County, MO is approximately $480 per month for an individual. Approximately 8.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Phelps County?

The average home value in Phelps County, MO is $194,900, with average annual property taxes of $1,248, according to U.S. Census Bureau data.

How does Phelps County compare to other areas?

You can compare Phelps County, MO with any other US county using our comparison tool at /compare. Phelps County is in the Rolla, 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 Phelps 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