CitytisticsShortlist

Cost of living, pay and housing

38.78° N · 90.72° W · GEOID 2954074

O'Fallon

St. Charles County, Missouri · part of the St. Louis, MO metro

MissouriO'Fallon, MOO'FallonO'Fallon

The short answer

O'Fallon is home to 93,801 people. Median household income is $110,443 a year and median rent is $1,443 a month, 15.7% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $326,200, about 3.0x annual median household income.

What sets O'Fallon apart is how tight household budgets are. The median rent takes 15.7% of the median household's income, a smaller share than in 97% of places its size. Also notable: Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 93 out of 100. Budget for insurance before counting the savings.

92OF 100

CTXCitytistics Index

Exceptional

O'Fallon scores better than 92% of the 6,612 places we rate, and ranks 20th of 140 in Missouri.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%82
Economy 20%85
Safety 20%80
Amenities 15%25
Education 10%71
Commute 10%47
Growth 5%59
Median gross rent
$1,443
6% above the median place
Median household income
$110,443
38% above the median place
Median home value
$326,200
2% above the median place
Unemployment
2.7%
45% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about O'Fallon

  • Work and commutingUnemployment averaged 2.7% over the survey period, lower than in 96% of the 529 places of 50,000 to 100,000 people we track.
01

Moving to O'Fallon

St. Charles County gains about 5.0 residents per 1,000 a year to moves between counties.

Moved in17,923
Moved out16,105
Net+1,818

Where people come from and where they go, top counties

Within Missouri, other states or abroad

Arrivals
Leavers
Within MissouriOther statesAbroad

Income per tax return

Arrivals$74K
Leavers$71K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of St. Charles County; flows under 20 returns are not published.

Who moves here
5.1% of residents arrived from another county in the past year, 1.8% from another state.
Who arrives and who leaves
Households moving into St. Charles County report $74,100 a year in income on average; those leaving, $71,200.
Income you would need
$57,700 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,443 a month; owners with a mortgage pay $1,899 a month including taxes and insurance, on a median home of $326,200.
Getting to work
26 minutes each way on average; 18.1% work from home.
If it is close but not quite
Urbandale, IA matches it on character for less of your income. Compare the two
Moved here in the past year1
5.1%
11% below the median place
Moved from another state1
1.8%
11% below the median place
Net movers per 1,000 people8
5.0
above the median place (median -0.6)
All 5 moving measures
MeasureO'FallonAmong 6,645 placesVs median
Moved here in the past year15.1%11% below
Moved from another state11.8%11% below
Net movers per 1,000 people8County figure5.0above (median -0.6)
Income of households moving in8County figure$74,0835% above
Income of households moving out8County figure$71,2281% above
02

What it costs to live here

42% of renter households spend 30% or more of income on rent, a lower share than in 91% of the 529 places of 50,000 to 100,000 people we track.

O'Fallon15.7%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$57,720
a year, at the 30% line
Rent to income
15.7%
23% below the median place
Home price to income
3.0x
22% below the median place

Could you afford it?

The median rent would take
16%
comfortably under the 30% line
Left after rent, in US prices
$94,200
a year
Vs the typical household here
Same
as the median household

Uses the median rent in O'Fallon, $1,443 a month, and local prices for everything else (98.4 against a US average of 100). It runs in your browser and stores nothing.

Like O'Fallon, but easier on the budget

Places that match O'Fallon on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Urbandale, IA9312.9% vs 15.7%$10,900Compare
Maumelle, AR8912.2% vs 15.7%$2,200Compare
Springboro, OH8812.1% vs 15.7%$14,100Compare
Madison, AL8812.9% vs 15.7%$27,200Compare

Moving from somewhere else? Work out the salary you would need in O'Fallon.

Sponsored · exampleMoving to O'Fallon? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Vacant homes1
2.0%
71% below the median place
Median year built1
2000
1% above the median place
Homeownership1
81.0%
22% above the median place
All 16 cost and housing measures
MeasureO'FallonAmong 6,645 placesVs median
Median gross rent1$1,4436% above
Rent to income115.7%23% below
Property tax rate11.1%22% above
Home price to income13.0x22% below
Prices vs US average2Metro figure95.16% below
Fair market rent, 2 bedrooms3County figure$1,34916% below
HUD area median income4County figure$113,5006% above
Property tax paid (median)1$3,60911% above
Median home value1$326,2002% above
Home prices, 1-year change5County figure4.8%50% above
Home prices, 5-year change5County figure52.3%2% above
Homeownership181.0%22% above
Renters paying 30%+142.0%17% below
Owner costs with a mortgage1$1,8991% above
Vacant homes12.0%71% below
Median year built120001% above
03

Work and pay

OpenStreetMap shows 0 bus and rail stops per square mile, fewer than in 95% of the 530 places of 50,000 to 100,000 people we track. It is the lowest of 140 Missouri places we track.

Unemployment1
2.7%
45% below the median place
Poverty rate1
5.4%
50% below the median place
Median household income1
$110,443
38% above the median place

More on work and pay, against the typical place

Works from home18.1% +46%
Income per person$49,304 +23%
Mean commute26 min +2%
All 10 work and pay measures
MeasureO'FallonAmong 6,645 placesVs median
Median household income1$110,44338% above
Income per person1$49,30423% above
Unemployment12.7%45% below
Average annual pay6County figure$62,6805% below
Pay growth, 1 year6County figure4.3%16% above
Jobs6County figure162,6558% above
Poverty rate15.4%50% below
Mean commute126 min2% above
Works from home118.1%46% above
Commutes by transit1County figure0.1%92% below
04

Who lives here

No health insurance is 3.9%, 39% below the median place.

No health insurance1
3.9%
39% below the median place
High school or higher1
95.4%
3% above the median place
Population change since 20207
5.2%
349% above the median place

More about who lives here, against the typical place

Homes with broadband94.9% +3%
Bachelor's or higher43.3% +35%
Born abroad6.3% −29%
Household size2.6 +5%
Median age38.4 −2%
All 9 people measures
MeasureO'FallonAmong 6,645 placesVs median
Population193,801380th largest
Population change since 202075.2%349% above
Median age138.42% below
Bachelor's or higher143.3%35% above
High school or higher195.4%3% above
Household size12.65% above
Born abroad16.3%29% below
No health insurance13.9%39% below
Homes with broadband194.9%3% above
05

Life in O'Fallon

OpenStreetMap shows 1 grocery stores per 10,000 residents, fewer than in 91% of the 530 places of 50,000 to 100,000 people we track.

Founded or incorporated in 1856. 3 sites are on the National Register of Historic Places. Its history on Wikipedia

  • St. Mary's Institute of O'Fallon listed 2007
  • Sage Chapel Cemetery listed 2018
  • Westhoff Grain and Mercantile Company listed 2025

Out the door, against the typical place

Parks per 10k residents4.0 −60%
Playgrounds per 10k4.6 −51%
Grocery stores per 10k1.0 −55%
Restaurants, cafes and bars per 10k5.9 −47%
Libraries per 10k0.6 −26%
Named paths and bike trails3 km +70%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • Ulysses S. Grant National Historic Site 26 miles
  • Gateway Arch National Park 31 miles
  • Ste. Geneviève National Historical Park 67 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars20.1 −3%
Shops25.9 −15%
Arts, recreation and fitness4.5 +10%
Doctors' offices and clinics18.5 −8%
Child care centers2.2 −4%

Counts businesses with paid staff, so small owner-run shops are not included.

Students per teacher14
13.5
12% below the median place
Public school students14
12,504
155% above the median place
Public schools14
21
133% above the median place
All 18 schools and local life measures
MeasureO'FallonAmong 6,645 placesVs median
Public schools1421133% above
Public school students1412,504155% above
Students per teacher1413.512% below
Restaurants and bars per 10k9County figure20.13% below
Shops per 10k9County figure25.915% below
Arts, recreation and fitness per 10k9County figure4.510% above
Doctors' offices and clinics per 10k9County figure18.58% below
Child care centers per 10k9County figure2.24% below
Parks per 10k104.060% below
Playgrounds per 10k104.651% below
Grocery stores per 10k101.055% below
Restaurants, cafes and bars per 10k105.947% below
Libraries per 10k100.626% below
Named paths and bike trails103.470% above
Transit stops per sq mi100.0below (median 0.2)
Nearest National Park Service site1125.617% below
National Park Service sites within 60 miles1120% above
National Register listings12377% below
06

Safety, weather and risk

Violent crime per 100k is 96, 50% below the median place.

Violent crime per 100k
96
50% below the median place
Property crime per 100k
523
57% below the median place
Months reported
12 of 12
by the city police department to the FBI

Counts only offenses reported by the city police department. Sheriff, state and campus police are not included, and some departments do not report to the FBI at all, so compare with care.

Good air days17
31.2%
54% below the median place
Median air quality index17
56
30% above the median place
Hurricane risk16
22.8
68% below the median place
All 11 weather and risk measures
MeasureO'FallonAmong 6,645 placesVs median
July average high15County figure88°F2% above
January average low15County figure22°F13% below
Average temperature15County figure56°F1% above
Annual precipitation15County figure42.3 in3% below
Natural hazard risk16County figure92.60% above
Hurricane risk16County figure22.868% below
Tornado risk16County figure96.418% above
Wildfire risk16County figure58.84% below
Heat wave risk16County figure95.66% above
Median air quality index17Metro figure5630% above
Good air days17Metro figure31.2%54% below
08

O'Fallon in 2030: where the trends point

If recent trends hold, the median rent will take about 16% of the median income in 2030, about the same as 16% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, O'Fallon does better than 81% of places. Its projected home value growth beats 41%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,443/mo (2024)$1,850/mo$1,520 to $2,260/mo+4.3%
Median household income$110,443 (2024)$139,500$118,000 to $165,000+4.0%
Median home value$326,200 (2024)$465,000$337,000 to $640,000+6.1%
Population96,101 (2025)98,75094,720 to 102,950+0.5%

The median home would be worth 3.3 years of the median income in 2030, against 3.0 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like O'Fallon

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Lockport, IL$1,525$111,981Compare
Cary, IL$1,428$113,026Compare
Crystal Lake, IL$1,468$108,418Compare
Mundelein, IL$1,566$108,340Compare
Mundelein, ILCrystal Lake, ILCary, ILLockport, ILO'Fallon, MOO'FallonLockportCaryCrystal LakeO'FallonLockportCaryCrystal Lake

Places built like O'Fallon

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how O'Fallon performs against places like it.

PlaceRent to incomeIncome growthPop. change
O'Fallon, MO15.7%4.2%/yr5.2%
Lee's Summit, MO16.6%2.6%/yr6.3%Compare
Olathe, KS13.8%4.7%/yr6.2%Compare
Blaine, MN19.2%4.7%/yr9.1%Compare
Urbandale, IA12.9%4.4%/yr6.6%Compare
Shawnee, KS14.4%4.8%/yr3.7%Compare
Wentzville, MO14.4%4.5%/yr10.1%Compare

Common questions

Is O'Fallon a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 92 out of 100, better than 92% of the places we rate and 20th of 140 in Missouri. Unemployment averaged 2.7% over the survey period, lower than in 96% of the 529 places of 50,000 to 100,000 people we track. On cost, space and class size it scores 95 out of 100 for families. See how it ranks with your own weights.

Is O'Fallon expensive to live in?

The median rent takes 15.7% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $326,200.

What salary do you need to live in O'Fallon?

To rent the median home without spending more than 30% of income on rent, a household needs about $57,720 a year. Work it out from your current city.

Is O'Fallon safe?

There were 96 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to O'Fallon?

On income, rent, home value, education and age, the closest matches are Lockport, IL, Cary, IL, Crystal Lake, IL and Mundelein, IL.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. Population Estimates · US Census Bureau · Vintage 2025
  8. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  11. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  12. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  13. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  14. Common Core of Data · National Center for Education Statistics · 2024 release
  15. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  16. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  17. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares O'Fallon with places of a similar size, using only figures measured for O'Fallon itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/ofallon-missouri

Citytistics. “O'Fallon, Missouri.” Data as of 2026-11-14. https://www.citytistics.com/city/ofallon-missouri/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.