Average Rent in St. Louis 2026
St. Louis Rent Prices by Bedroom
1 Bedroom
$1,100
per month
2 Bedrooms
$1,350
per month
3 Bedrooms
$1,700
per month
Monthly Housing Cost Breakdown in St. Louis
Rent is only part of your monthly housing cost. Here is what the average St. Louis renter pays when you add utilities, internet, and renters insurance to rent.
| Expense | 1-Bedroom | 2-Bedroom | 3-Bedroom |
|---|---|---|---|
| Rent | $1,100 | $1,350 | $1,700 |
| Utilities (electric, gas, water, trash) | $85 | $105 | $130 |
| Internet | $70 | $70 | $70 |
| Renters insurance | $14 | $17 | $20 |
| Total monthly | $1,269 | $1,542 | $1,920 |
Utility estimates scale with St. Louis’s cost of living index (90). Your actual bill depends on unit size, climate, and individual usage.
Cost of Living in St. Louis
90
Cost of Living Index (100 = national average)
St. Louis's cost of living index is 90, which is 10% below the national average. This index factors in housing, groceries, transportation, healthcare, and utilities. A higher number means you need more income to maintain the same standard of living compared to the national average.
St. Louis at a Glance
Population
293K
Median Income
$47,121
COL Index
90
Rent Control
No
How Much Income Do You Need to Rent in St. Louis?
The widely accepted guideline is to spend no more than 30% of your gross income on rent. Here is the minimum annual income you need to afford an apartment in St. Louis by bedroom count.
| Apartment | Monthly Rent | Min Annual Income | Min Hourly Wage |
|---|---|---|---|
| 1-Bedroom | $1,100/mo | $44,000 | $21.15/hr |
| 2-Bedroom | $1,350/mo | $54,000 | $25.96/hr |
| 3-Bedroom | $1,700/mo | $68,000 | $32.69/hr |
Based on the 30% rule and a 2,080-hour work year. Many landlords also require gross income of 2.5x to 3x the monthly rent or a guarantor who earns 80x rent annually.
What Rent Can You Afford in St. Louis at Your Income?
Use this table to see the maximum monthly rent you can afford at different income levels, and which St. Louis apartment sizes that fits.
| Annual Income | Gross Monthly | Max Rent (30%) | Fits in St. Louis |
|---|---|---|---|
| $40,000/yr | $3,333 | $1,000 | Studio or roommate |
| $60,000/yr | $5,000 | $1,500 | 2-bedroom or smaller |
| $80,000/yr | $6,667 | $2,000 | 3-bedroom or smaller |
| $100,000/yr | $8,333 | $2,500 | 3-bedroom or smaller |
| $150,000/yr | $12,500 | $3,750 | 3-bedroom or smaller |
If your income puts a solo 1-bedroom out of reach, splitting a 2-bedroom with a roommate drops your share to $675 in St. Louis — often the difference between affordable and not.
How Much You Save with a Roommate in St. Louis
Save $425/month
by splitting a 2-bedroom with a roommate
Solo 1BR
$1,100
per month
Split 2BR
$675
per person/month
Annual Savings
$5,100
per year
Instead of paying $1,100 for a 1-bedroom on your own, splitting a 2-bedroom ($1,350) with one roommate brings your share to $675. That is $5,100 per year you could put toward savings, investments, or paying down debt. See the fair rent split calculator when rooms aren’t equal sizes.
Move-In Costs in St. Louis
On top of your first month's rent, expect these upfront costs before the keys are in your hand. Plan for roughly 2-3 months of rent saved before signing a lease.
Security Deposit
$1,100–$2,200
1-2 months' rent, refundable
First Month
$1,100
Due at lease signing
Broker/App Fees
$50–$1,100
Varies by market and listing
Total upfront cash to sign a 1-bedroom lease in St. Louis: $2,250–$4,400 depending on broker fees and deposit size.
Rent Control in St. Louis
St. Louis, MO does not currently have rent control or rent stabilization laws. Landlords can raise rent by any amount at lease renewal, though they are typically required to provide advance notice (usually 30-60 days). If you are concerned about rent increases, consider negotiating a longer lease term for price stability.
How St. Louis Compares to Other US Cities
St. Louis sits near the US average on rent. Compare the 1-bedroom price with nearby tiers to see where you could move to spend less, or what to expect if you go pricier.
Cheaper than St. Louis
See the full comparison across 50 US cities on the rent data hub or the cost of living comparison.
Rent Calculators for St. Louis Renters
Use these free calculators to plan your St. Louis rental budget, split rent with roommates, and check if you qualify for an apartment.
Rent Affordability Calculator
Find out how much rent you can afford based on your income.
Fair Rent Split Calculator
Split rent fairly by room size, features, and income.
Rent-to-Income Calculator
Check if you meet the 3x rent rule landlords require.
Renter Budget Calculator
Build a 50/30/20 budget around your rent payment.
Frequently Asked Questions About Renting in St. Louis
Is St. Louis expensive to rent in?
St. Louis is one of the most affordable large metros for renters. A 1-bedroom averages $1,100 per month in 2026. The Central West End and Soulard are trendy and pricier, while neighborhoods like Tower Grove and Benton Park offer character at lower rents.
How much income do you need to rent in St. Louis?
Using the 30% rule, you need about $3,667 per month ($44,000 annually) to afford an average $1,100/month 1-bedroom apartment in St. Louis.
How much can you save by splitting rent with a roommate in St. Louis?
Splitting a 2-bedroom ($1,350/month) with one roommate brings your share to $675, saving $425 per month or $5,100 per year versus renting a 1-bedroom alone.
What utilities should you budget for in St. Louis?
Renters in St. Louis typically pay about $85 per month for utilities (electric, gas, water, trash) on a 1-bedroom apartment. Internet adds another $60-$80 per month, and renters insurance runs around $14 per month. Altogether, plan for roughly $169 on top of your $1,100 rent.
How much is a security deposit in St. Louis?
Most St. Louis landlords ask for a security deposit equal to 1 month's rent — about $1,100 for a 1-bedroom at the St. Louis average. Some properties charge up to 2 months ($2,200), especially for tenants without local rental history or with lower credit scores. Pet deposits usually add another $250-$500 on top.
Is St. Louis affordable on the median household income?
Yes. The median household income in St. Louis is $47,121, which comes out to about $3,927 per month. At the average 1-bedroom rent of $1,100, that's roughly 28% of gross monthly income — within the 30% rule most budget guides recommend.
Explore the rest of the SplitGenius library
Five cornerstone guides plus six topic deep-dives cover every major splitting decision. Here’s where to go next.
Pillar Guide
The Complete Guide to Splitting Expenses Fairly
5 proven methods — equal, proportional, usage-based, income-based, and hybrid — with real examples and free calculators.
Topic Guide
The Roommate Money Guide: Avoiding Financial Conflict
Set up shared finances, split expenses fairly, and handle money disagreements without drama.
Pillar Guide
The Complete Guide to Fair Division
Estates, inheritances, divorce assets, and co-parenting costs — when the stakes are personal, the math matters.
Topic Guide
Understanding Your Debt-to-Income Ratio (DTI)
What DTI is, how lenders use it, and 7 proven strategies to lower yours.
Topic Guide
First Apartment Checklist: Everything You Need
Complete checklist for move-in costs, furniture, setup, and budgeting for your first place.
Pillar Guide
The Complete Guide to Ratio Calculations
Ratios, percentages, and fractions — how they connect and when to use each for any splitting decision.
Planning to rent in St. Louis?