St. Joseph, Missouri
Living in St. Joseph, Missouri is about 10% cheaper than the national average, with a cost of living index of 90 (US = 100). Typical rent is $1,004 a month, 48% below the national figure of $1,932, and regular gas costs $3.67 a gallon versus $3.98 nationally as of November 11, 2026. Rent, gas, groceries, electricity and car insurance take about 36% of the area's $66,478 median household income.
Key Numbers
Gas (Regular)
$3.67
National: $3.98
Avg Rent (All)
$1,004
National: $1,932
Grocery Inflation
1.77%
Year-over-year
Fast Food Avg
$12.99
Combo meal
Electricity
16.02¢
per kWh · ~$144/mo
Car Insurance
$152/mo
$1,821/yr
Median Household Income
$66,478
35.6% goes to essentials
Car Insurance
Avg $1,821 in St. Joseph. Compare rates:
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Avg rent $1,004/mo in St. Joseph. Browse listings:
Grocery Prices
Grocery Prices — 2000 to Present
National BLS averages · submit local prices below ↓
Eggs (dozen)
Bird flu volatility
$0.97 in 2000 → $2.32 BLS avg
$1.29 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026)
Milk (gallon)
$2.79 in 2000 → $4.10 BLS avg
$2.69 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026)
Ground Beef (lb)
$1.48 in 2000 → $6.75 BLS avg
Bread (loaf)
$0.91 in 2000 → $1.86 BLS avg
$2.49 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026)
Chicken Breast (lb)
$1.06 in 2000 → $2.03 BLS avg
$4.99 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026)
Butter (lb)
$3.98 BLS avg
$6.99 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026)
Bacon (lb)
$2.75 in 2000 → $6.69 BLS avg
Cheddar Cheese (lb)
$3.84 in 2000 → $6.13 BLS avg
Pasta (lb)
$0.88 in 2000 → $1.38 BLS avg
Rice (5 lb)
$2.50 in 2000 → $5.50 BLS avg
Coffee (12 oz)
$2.65 in 2000 → $6.94 BLS avg
Orange Juice (64 oz)
Citrus shortage
$5.42 estimate
Potatoes (5 lb)
$1.96 in 2000 → $4.95 BLS avg
Apples (3 lb)
$5.20 estimate
Tomatoes (lb)
$1.44 in 2000 → $2.08 BLS avg
Lettuce (head)
$0.75 in 2000 → $1.96 BLS avg
Cooking Oil (48 oz)
$7.76 estimate
Yogurt (32 oz)
$4.94 estimate
Cereal (family size)
$6.20 estimate
Frozen Pizza
$8.65 estimate
| Item | 2000 | 2005 | 2010 | 2015 | 2020 | 2022 | 2026 | Since 2000 |
|---|---|---|---|---|---|---|---|---|
| Eggs (dozen)Bird flu volatility$1.29 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026) | $0.97 | $1.21 | $1.79 | $2.11 | $1.46 | $1.93 | $2.32 | +137.9% |
| Milk (gallon)$2.69 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026) | $2.79 | $3.30 | $3.24 | $3.76 | $3.25 | $3.79 | $4.10 | +47.3% |
| Ground Beef (lb) | $1.48 | $2.19 | $2.28 | $4.24 | $3.89 | $4.55 | $6.75 | +355.5% |
| Bread (loaf)$2.49 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026) | $0.91 | $1.00 | $1.36 | $1.48 | $1.35 | $1.55 | $1.86 | +105.2% |
| Chicken Breast (lb)$4.99 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026) | $1.06 | $1.03 | $1.26 | $1.55 | $1.41 | $1.62 | $2.03 | +91.3% |
| Butter (lb)$6.99 @ Fred Meyer - Boise Franklin (FRED) (Mar 2026) | — | — | — | — | $3.86 | $3.67 | $3.98 | -4.2% since 2018 |
| Bacon (lb) | $2.75 | $3.37 | $3.63 | $5.59 | $5.50 | $7.22 | $6.69 | +143.1% |
| Cheddar Cheese (lb) | $3.84 | $4.21 | $4.72 | $5.40 | $5.20 | $5.32 | $6.13 | +59.6% |
| Pasta (lb) | $0.88 | $0.94 | $1.15 | $1.26 | $1.23 | $1.12 | $1.38 | +57.1% |
| Rice (5 lb) | $2.50 | $2.98 | $3.77 | $3.46 | $3.58 | $4.16 | $5.50 | +120.6% |
| Coffee (12 oz) | $2.65 | $2.29 | $2.86 | $3.55 | $3.13 | $3.85 | $6.94 | +161.3% |
| Orange Juice (64 oz)Citrus shortageLocal estimate | — | — | — | — | — | $3.72 | $5.42 | +45.7% since 2022 |
| Potatoes (5 lb) | $1.96 | $2.29 | $2.81 | $3.34 | $4.01 | $3.96 | $4.95 | +152.6% |
| Apples (3 lb)Local estimate | — | — | — | — | — | $4.49 | $5.20 | +15.8% since 2022 |
| Tomatoes (lb) | $1.44 | $1.66 | $1.84 | $2.09 | $2.22 | $1.89 | $2.08 | +44.4% |
| Lettuce (head) | $0.75 | $0.82 | $0.90 | $1.17 | $1.34 | — | $1.96 | +162.3% |
| Cooking Oil (48 oz)Local estimate | — | — | — | — | — | $5.54 | $7.76 | +40.1% since 2022 |
| Yogurt (32 oz)Local estimate | — | — | — | — | — | $4.15 | $4.94 | +19.0% since 2022 |
| Cereal (family size)Local estimate | — | — | — | — | — | $4.79 | $6.20 | +29.4% since 2022 |
| Frozen PizzaLocal estimate | — | — | — | — | — | $6.31 | $8.65 | +37.1% since 2022 |
Dining & Restaurants
Fast Food Meal
$12.99
Casual Dining
$24.18
Monthly Spend
$431.46
+5.41% YoYChain Restaurant Meal Prices — 2022 vs. Today
Combo meal / typical order for one
McDonald's
2022: $8.36
$13.49
+61.4%Wendy's
2022: $9.44
$14.57
+54.3%Chipotle
2022: $10.12
$15.11
+49.3%Starbucks
2022: $4.58
$6.36
+38.9%Eating out more? Save on groceries with Ibotta and cook at home more often.
Looking for an Apartment in St. Joseph?
Average 1BR: $823/mo · 2BR: $1,185/mo
St. Joseph Cost of Living FAQ
Is St. Joseph, MO expensive to live in?
St. Joseph has a cost of living index of 90, where 100 is the US average, so it is about 10% cheaper than average. It is the 2nd most expensive of the 8 Missouri cities we track.
What is the average rent in St. Joseph, MO?
Typical rent in St. Joseph is $1,004 a month for all home types as of September 2026, 48% below the national figure of $1,932. One bedroom units average about $823 and two bedrooms about $1,185. Source: Zillow Observed Rent Index for the metro area.
Is rent going up in St. Joseph?
Rent in St. Joseph rose 3.2% over the past year, faster than the 2.7% change nationally.
How much is gas in St. Joseph?
Regular unleaded costs about $3.67 a gallon in St. Joseph as of November 11, 2026, based on the AAA average for Missouri. That is 8% below the national average of $3.98.
How much is electricity in St. Joseph?
Homes in Missouri pay an average of 16.0 cents per kWh (EIA), versus 18.4 cents nationally. At 900 kWh a month, a typical bill in St. Joseph is about $144.
How much is car insurance in St. Joseph?
Full coverage car insurance averages $1,821 a year in Missouri, or about $152 a month (Bankrate and NAIC state average), compared with $2,150 a year nationally.
How much do you need to live in St. Joseph?
Median household income in the St. Joseph area is $66,478 (Census ACS 2023, county level). Rent, gas, groceries, electricity and car insurance add up to about $23,644 a year, or 36% of that income. Groceries are counted at $5,846 a year, the average household spend on food at home in the region (BLS Consumer Expenditure Survey).
How does St. Joseph compare with the rest of Missouri?
Rent in St. Joseph is 19% below the $1,242 average across the 8 Missouri cities we track, and its cost of living index of 90 compares with a state average of 86.
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