Lake St. Louis, MO

Above Avg · 117

Missouri · Population 17,538 · Updated March 2026

$1,608
Median Rent / Month
$123,427
Median Income
$375,300
Median Home Value
$1,713
Owner Costs / Month

Affordability

How far your income goes in Lake St. Louis

15.6%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Missouri

State-level tax rates that affect your costs

4.95%
Income Tax (Top Rate)
4.225%
Sales Tax
0.93%
Property Tax Rate

Estimated Annual Costs

$19,296
Annual Rent
$6,110
State Income Tax
$3,490
Property Tax (est.)

Cost of Living Overview

Lake St. Louis is more expensive than the national average. Higher housing costs are typically the primary driver. With a cost index of 117 (where 100 equals the national median), Lake St. Louis residents can expect to pay median rent of $1,608/month while earning a median household income of $123,427/year.

The median home value in Lake St. Louis, MO is $375,300, with typical monthly owner costs around $1,713 including mortgage, insurance, and taxes. The median rent-to-income ratio of 15.6% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Missouri has a moderate income tax rate of 4.95%. Combined with a 4.225% sales tax rate and 0.93% effective property tax rate, the overall tax environment is a factor in the total cost of living in Lake St. Louis.

Frequently Asked Questions

Common questions about living costs in Lake St. Louis

What is the cost of living in Lake St. Louis, MO?
The cost of living index in Lake St. Louis, MO is 117 (US average = 100). Median monthly rent is $1,608, median household income is $123,427/year, and the median home value is $375,300.
Is Lake St. Louis, MO affordable?
No, Lake St. Louis is more expensive than the national average with a cost index of 117. The rent-to-income ratio is 15.6%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Lake St. Louis, MO?
The median gross rent in Lake St. Louis, MO is $1,608 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $19,296.
What is the median household income in Lake St. Louis?
The median household income in Lake St. Louis, MO is $123,427 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Missouri?
Missouri has a top income tax rate of 4.95%, a sales tax of 4.225%, and an effective property tax rate of 0.93%.