Cost of Living in Saint Charles, MO - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $830 (excluding rent), and $1,896 including rent.

Family of 3: Estimated monthly costs are $2,308 (excluding rent), and $4,237 including rent.

Meal at Budget Restaurant

$14.86 $14.86

$11.89 $11.89

$17.84 $17.84

Three-Course Dinner for Two, Mid-Range

$50.4 $50.4

$44.33 $44.33

$80.6 $80.6

Fast Food Meal (McDonalds, etc)

$10.94 $10.94

$9.94 $9.94

$13.70 $13.70

Cappuccino

$4.04 $4.04

$3.03 $3.03

$5.05 $5.05

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.19 $2.19

$1.98 $1.98

$2.72 $2.72

Water (0.33 liter bottle)

$1.47 $1.47

$0.98 $0.98

$2.45 $2.45

Local Beer (0.5 liter draught)

$5.44 $5.44

$4.95 $4.95

$6.93 $6.93

Imported Beer (0.33 liter bottle)

$6.06 $6.06

$5.05 $5.05

$10.10 $10.10

Milk (1 liter)

$0.73 $0.73

$0.68 $0.68

$1.09 $1.09

White Bread (500g)

$2.15 $2.15

$1.08 $1.08

$4.32 $4.32

Rice (white) (1kg)

$2.78 $2.78

$1.69 $1.69

$6.77 $6.77

Eggs

$2.75 $2.75

$1.43 $1.43

$4.06 $4.06

Local Cheese (1kg)

$11.28 $11.28

$7.57 $7.57

$17.61 $17.61

Chicken Fillets (1kg)

$6.34 $6.34

$5.58 $5.58

$11.16 $11.16

Beef Round Steak (1kg)

$13.26 $13.26

$8.71 $8.71

$19.59 $19.59

Apples (1kg)

$3.25 $3.25

$2.24 $2.24

$9.54 $9.54

Banana (1kg)

$1.56 $1.56

$1.21 $1.21

$3.05 $3.05

Oranges (1kg)

$3.46 $3.46

$2.21 $2.21

$8.86 $8.86

Tomato (1kg)

$3.25 $3.25

$2.16 $2.16

$14.45 $14.45

Potato (1kg)

$1.05 $1.05

$0.64 $0.64

$3.75 $3.75

Onion (1kg)

$2.37 $2.37

$2.12 $2.12

$4.28 $4.28

Lettuce (1 head)

$1.48 $1.48

$3.96 $3.96

Water (1.5 liter bottle)

$1.53 $1.53

$1.03 $1.03

$2.31 $2.31

Cigarettes 20 Pack (Marlboro, Camel)

$10.29 $10.29

$9.11 $9.11

$13.16 $13.16

Wine (Bottle)

$14.90 $14.90

$11.92 $11.92

$19.87 $19.87

Local Beer (0.5 liter bottle)

$2.10 $2.10

$1.72 $1.72

$2.85 $2.85

Imported Beer (0.33 liter bottle)

$3.90 $3.90

$1.21 $1.21

$6.04 $6.04

One-way Ticket (Public Transport)

$5.12 $5.12

$1.28 $1.28

$5.12 $5.12

Taxi Start (Normal Tariff)

$3.43 $3.43

Taxi (Normal Tariff) (1km)

$1.58 $1.58

$2.22 $2.22

Taxi 1hour Waiting (Normal Tariff)

$49.61 $49.61

Gasoline (1 liter)

$0.98 $0.98

$0.85 $0.85

$1.06 $1.06

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$30.0K $30.0K

$24.0K $24.0K

$36.5K $36.5K

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$22.8K $22.8K

$19.8K $19.8K

$25.7K $25.7K

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$213 $213

$110 $110

$563 $563

SIM Card Monthly Plan (Calls and 10GB+ Data)

$42.51 $42.51

$30.48 $30.48

$61.0 $61.0

Internet (50+ Mbps, Unlimited Data)

$61.9 $61.9

$49.95 $49.95

$107 $107

Gym Membership (Monthly)

$50.6 $50.6

$17.70 $17.70

$50.6 $50.6

Cinema Ticket

$11.87 $11.87

$9.89 $9.89

$14.84 $14.84

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,000 $1,000

International Primary School, 1 Child (Yearly)

$23.8K $23.8K

$17.0K $17.0K

$27.6K $27.6K

Jeans (Levis 501 Or Similar)

$44.71 $44.71

$20.10 $20.10

$56.3 $56.3

Summer Dress (H&M, Zara, etc)

$40.27 $40.27

$25.17 $25.17

$65.4 $65.4

Sport Shoes (Adidas, Nike)

$85.8 $85.8

$50.5 $50.5

$111 $111

Men's Leather Business Shoes

$98.0 $98.0

$58.8 $58.8

$245 $245

1-bedroom Apartment, City Center (Monthly)

$1,492 $1,492

$1,194 $1,194

$1,848 $1,848

1-bedroom Apartment, Outside City Center (Monthly)

$813 $813

$1,525 $1,525

3-bedroom Apartment, City Center (Monthly)

$1,730 $1,730

$1,505 $1,505

$1,956 $1,956

3-bedroom Apartment, Outside City Center (Monthly)

$1,875 $1,875

$1,480 $1,480

$2,270 $2,270

Average Monthly Net Salary (After Tax)

$4,453 $4,453

20-Year Fixed Mortgage Interest Rate (Annual %)

6.56

6.19

6.8

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update: January 12, 2026

Saint Charles, MO Median Internet Speeds (Updated December 2025)

Mobile

Mbps

Fixed Broadband

379

Mbps

261

Mbps

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

City tags:

🌎 North america

Cost of Living in Saint Charles, MO - Frequently Asked Questions

Saint Charles offers a balanced mix of small-town charm and easy access to a larger city. The Cost of Living in Saint Charles, MO, United States sits at a moderate level for a midwestern town, with housing options that range from historic multifamily buildings to newer apartments. You’ll find groceries, dining, and services priced below major metros, while some conveniences near the riverfront can be pricier. For value, consider neighborhoods a short drive from the historic Main Street, where you can walk to cafes and parks. Tip: map out a week’s errands to compare grocery stores and utilities across a few zip codes.

Daily life in Saint Charles blends historic charm with practical modern touches. Housing search ranges from preserved downtown flats to family-friendly rental neighborhoods, with rents and leases typically more approachable than major cities. Grocery stores, farmers markets, and casual dining cover a range of budgets, while transit and car use are straightforward for excursions into the greater St. Louis area. If you work remotely or freelance, co-working spaces and coffee shops offer reliable Wi‑Fi and a social scene. Saint Charles, MO, United States living cost varies by area and lifestyle; plan a short-term stay first to test the rhythm of life. Tip: Before committing, test a couple of neighborhoods at different times of day to gauge noise, parking, and walkability.

Quality of life here favors a slower pace with easy access to parks, the Missouri River, and a solid local dining scene. Budgeting frameworks help you stay balanced: allocate roughly half of your income to essentials, a third to lifestyle and meals, and the rest to savings and travel. Look for neighborhoods with walkable streets, near the historic downtown or along bluffs for seasonal views. Seasonality brings pleasant springs and falls but hot summers and cold winters mean you plan for heating and cooling costs. Transportation is flexible: many errands can be done on foot or bike, and occasional car trips connect you to surrounding towns. Tip: set a repeatable monthly check of utilities and transit options to spot changes.