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Missouri

Cost of living in St. Clair County, MO

Estimated monthly cost
$2,455/mo
for a single person, all categories combined

Population 9,451 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $628 26%
Healthcare $480 20%
Federal tax $357 15%
Transport $320 13%
Groceries $313 13%
Energy $194 8%
State tax $113 5%
Water $50 2%

Rent in St. Clair County

Fair Market Rents by bedroom count.

Studio
$565
per month
1 bedroom
$628
per month
2 bedroom
$824
per month
3 bedroom
$993
per month
4 bedroom
$1,242
per month

Source: HUD FMR FY2025

Income and earnings in St. Clair County

Annual earnings figures from the Census ACS.

Household income
$46,731
per year
Individual earnings
$31,893
per year
Per capita
$26,548
per year

Source: ACS 2019-2023 5-Year.

Home values in St. Clair County

Average values reported by homeowners.

Average home value
$142,500
Annual property tax
$911

Source: ACS 2019-2023 5-Year

Energy costs in St. Clair 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 St. Clair County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
12.7%

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 St. Clair 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 St. Clair County

Commute patterns and estimated costs.

Average commute
28.8 min
Drive alone
76.5%
Public transit
0.1%
Work from home
6.6%

Source: ACS

Monthly cost estimates for St. Clair County

What it costs to live in St. Clair County each month.

Single person
$2,455
per month
  • Rent $628
  • Energy $194
  • Water $50
  • Groceries $313
  • Transport $320
  • Healthcare $480
  • Federal tax $357
  • State tax $113
Couple
$3,537
per month
  • Rent $824
  • Energy $233
  • Water $60
  • Groceries $519
  • Transport $420
  • Healthcare $864
  • Federal tax $444
  • State tax $173
Family
$5,828
per month
  • Rent $993
  • Energy $291
  • Water $70
  • Groceries $787
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $444
  • State tax $173

Frequently asked questions about St. Clair County

Common questions about cost of living, rent and salary.

What is the average rent in St. Clair County?

In St. Clair County, MO, a one-bedroom apartment averages $628 per month, a two-bedroom averages $824 per month, a three-bedroom averages $993 per month, according to HUD Fair Market Rent data.

What is the average salary in St. Clair County?

In St. Clair County, MO, the average household income is $46,731 per year and individual earnings for full-time workers average $31,893 per year, according to U.S. Census Bureau data.

What is the cost of living in St. Clair County?

The estimated cost of living in St. Clair County, MO is approximately $2,455 per month for a single person, $3,537 for a couple, $5,828 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in St. Clair County?

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

Is St. Clair County an affordable place to live?

Based on the data, a single person in St. Clair County, MO would need approximately $2,455 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $46,731 per year ($3,894 per month). St. Clair County has a moderate cost of living relative to local earnings.

How much does healthcare cost in St. Clair County?

The ACA marketplace benchmark premium in St. Clair County, MO is approximately $480 per month for an individual. Approximately 12.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in St. Clair County?

The average home value in St. Clair County, MO is $142,500, with average annual property taxes of $911, according to U.S. Census Bureau data.

How does St. Clair County compare to other areas?

You can compare St. Clair County, MO with any other US county using our comparison tool at /compare. St. Clair County is in Missouri.

Other counties in Missouri

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

See all counties in Missouri

Compare St. Clair 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