Cost of Living
per year
per month
How O'Fallon's prices compare to the US city average across major spending categories.
How far does your salary go in O'Fallon?
Your $100,000 in O'Fallon has the same purchasing power as $112,347 in the average US city. You'd need $12,347 less here to maintain that standard of living.
Demographics and workforce data from the US Census ACS 5-Year.
bachelor's or higher
Climate, safety, and walkability indicators.
See a side-by-side breakdown of cost of living, housing, and salaries.
Popular comparisons
Sorted by affordability — most affordable first.
Within 10 points of O'Fallon's cost index of 89, sorted by closest match.
O'Fallon has a handful of real selling points, and they're not the kind of thing you find in a brochure. Your dollar carries more weight here and solidly above-average earnings are the headliners, plus 3 more things worth knowing. The rest is below.
The composite cost-of-living index lands at 89, a comfortable 11% under the US norm. It shows up most clearly in housing, which is where the gap to coastal metros usually opens up. Median rent in town runs about $1,311/mo against a typical household income of $104,863, which is the kind of ratio that leaves room to save.
The typical household in O'Fallon pulls in $104,863 — comfortably above the US median. Combined with the cost of living here, the income-to-expense ratio works out better than a quick look at either number in isolation would suggest.
The unemployment rate in O'Fallon sits at roughly 3.1%, which is a tight labor market by US standards. Salaries get nudged up faster, openings are easier to find, and switching jobs is less of a leap than it is in a softer market.
The reported crime rate in O'Fallon runs about 825 per 100,000 residents — meaningfully below the national norm. People who care about safety as a baseline rather than a feature tend to land in cities with numbers like these.
O'Fallon has a college-educated share of about 42% among adults 25+, which is higher than the national norm. It shows up in the local job mix, in the school district's reputation, and in the kind of conversations you have at the coffee shop.
Reasons are pulled from O'Fallon's actual data — Census ACS, BLS, BEA, NOAA, EPA AQS, FBI, and Walk Score. We don't list positives that aren't supported by the numbers, which is why different cities show different sections.
Yes — and a lot of it. With winter averages near 22°F, O'Fallon sees real accumulation most years. Salt for the steps, tires that handle ice, and a sense of humor about February are the usual costs of admission.
Properly cold. O'Fallon's winter sits around 22°F on average — and that's the average, meaning plenty of nights drop well below zero. People here own gear.
Reliably warm. O'Fallon's summer averages around 87°F, the kind of heat where you remember to leave the house before noon for outdoor things and accept that the back of your shirt will be wet by lunchtime.
O'Fallon falls in roughly USDA Zone 7. The zone classification is based on average annual minimum temperatures, so it's the right lookup for whether perennials and trees will overwinter here. Note that this is approximate from our winter-temperature data — check the USDA map for the exact zone before betting an expensive plant on it.
Roughly 623 feet (190 m). That's modest elevation — comparable to most inland-Midwest and Southern cities.
The headline number is reassuring. O'Fallon's reported incident rate of about 825 per 100,000 is comfortably below the US norm of around 3,500 per 100k. Specific neighborhoods always vary, but the broader picture is on the safer side.
O'Fallon is a genuinely affordable city by US standards. The composite index sits at 89 versus the 100 national baseline — about 11% cheaper overall, with housing doing most of the heavy lifting.
O'Fallon's Walk Score is 18/100, firmly in the car-required tier. The layout assumes you'll drive to the grocery store, drive to work, drive everywhere.
As a rule of thumb, plan on about $62,307 to live in O'Fallon the way a $70,000 earner lives in a typical US city. The math gets less forgiving the lower you go below that. Median rent in O'Fallon runs about $1,311/mo — keeping housing under 30% of gross income points to a similar floor on what you'd want to earn.