Cost of Living in O'Fallon
O'Fallon's cost of living centers on moderate, only modestly appreciating housing costs and St. Charles County's above-average property tax rate, offset by Missouri's flat 4.0% state income tax.
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Learn moreModerate, slow-appreciating housing costs
O'Fallon's average home value ran $379,237 per Zillow, up a real, modest 0.9% year-over-year -- a genuinely slower appreciation pace than several other Missouri Tier A markets.
An above-average property tax rate
St. Charles County's median effective property tax rate (1.26%, Ownwell) runs above Missouri's own statewide range and the national median -- a real, disclosed cost factor for O'Fallon homeowners.
Missouri's flat 4.0% income tax
Missouri's real, flat 4.0% state income tax (effective January 1, 2026) applies statewide, including in O'Fallon, with no additional local city income tax.
Key takeaways
- O'Fallon's housing costs are moderate and appreciating slowly (0.9% YoY) relative to other Missouri Tier A markets.
- St. Charles County's 1.26% property tax rate runs above Missouri's statewide 0.88%-0.97% range.
- Missouri's flat 4.0% state income tax applies statewide, with no additional O'Fallon city income tax.
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