Cost of Living in Rolla, MO
Updated November 2026 · Phelps County · Rolla, MO micropolitan area · population 20,287
Prices in Rolla are 14.2% below the US average (local index 85.8; the BEA index for nonmetropolitan Missouri is 83.9), with local housing the biggest saving at 51.2; a single adult's modelled budget is about $2,032 a month and the median rent is $789.
Prices by category
CostLiving local estimate. 100 = US average; 110 means prices are 10% higher. Housing reflects Rolla's own median rent compared with the area's average rent; goods, utilities and other services are BEA's official price parities for nonmetropolitan Missouri, unchanged.
Rolla price index by category, US average = 100: All items 85.8, Housing (rents) 51.2, Goods 94.2, Utilities 85.4, Other services 93.1
It is the least expensive of the 15 Missouri cities in our data. Cheaper than 100% of the cities we cover.
| BEA index | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| All items | 86.4 | 84.7 | 84.4 | 83.0 | 83.3 | 83.9 |
Monthly budget by household type
1 adult · 1-bedroom · modelled estimate for Rolla, MO
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $488 | $5,856 | 24% |
| Utilities | $235 | $2,820 | 12% |
| Food at home | $266 | $3,192 | 13% |
| Transportation | $559 | $6,708 | 28% |
| Health care | $327 | $3,924 | 16% |
| Clothing, personal care & supplies | $157 | $1,884 | 8% |
| Total | $2,032 | $24,384 | 100% |
2 adults · 2-bedroom · modelled estimate for Rolla, MO
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $639 | $7,668 | 18% |
| Utilities | $372 | $4,464 | 11% |
| Food at home | $490 | $5,880 | 14% |
| Transportation | $1,104 | $13,248 | 31% |
| Health care | $606 | $7,272 | 17% |
| Clothing, personal care & supplies | $309 | $3,708 | 9% |
| Total | $3,520 | $42,240 | 100% |
2 adults + 2 children · 3-bedroom · modelled estimate for Rolla, MO
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $835 | $10,020 | 19% |
| Utilities | $453 | $5,436 | 10% |
| Food at home | $699 | $8,388 | 16% |
| Transportation | $1,473 | $17,676 | 33% |
| Health care | $565 | $6,780 | 13% |
| Clothing, personal care & supplies | $399 | $4,788 | 9% |
| Total | $4,424 | $53,088 | 100% |
Modelled estimate of basic costs, excluding taxes, child care and savings. Housing is rent excluding tenant-paid utilities (counted under utilities). See how the budget is calculated.
Housing costs in Rolla
Rent by number of bedrooms
| Size | Median rent |
|---|---|
| Studio | $601 |
| 1 bedroom | $628 |
| 2 bedrooms | $823 |
| 3 bedrooms | $1,075 |
| 4 bedrooms | $1,354 |
Median rent: Census ACS 2020-2024 median gross rent by bedrooms (rent plus tenant-paid utilities, all renters).
Rent, home values and affordability
| Measure | Value |
|---|---|
| Median gross rent | $789 |
| Median contract rent (excl. utilities) | $613 |
| Median home value | $187,000 |
| Owner costs with a mortgage | $1,286/mo |
| Median household income | $46,204 |
| Rent as % of renter income Expensive | 30.5% |
| Home value ÷ household income Moderate | 4.0× |
Census ACS 5-year 2020-2024.
Electricity and gas prices
Residential electricity in Missouri
16.02¢ per kWh, August 2026
12-month change: +4.6% (from 15.32¢) · US 18.16¢
Average household uses 1,039 kWh a month in Missouri ≈ $145/month. Source: EIA-861M (statewide average).
Regular gasoline regional figure: Midwest (PADD 2)
$4.10 per gallon, week of 2026-11-02
12-month change: +45.0% (from $2.83) · US $4.15
EIA weekly retail price survey; Missouri is covered by the Midwest (PADD 2) average.
Inflation in the Midwest
Consumer prices in the Midwest Census region rose +4.2% in the 12 months to September 2026 (US +3.7%). Nationally, food at home changed +1.8%, shelter +3.2% and energy +20.4%. Source: BLS CPI-U, not seasonally adjusted. CPI is published for regions and large metro areas, so the regional figure is shown.
Salary equivalent
Because prices in Rolla are 14.2% below the US average, $60,000 here has the buying power of about $69,900 in an average-priced US area.
Formula: US-equivalent = salary × 100 ÷ 85.8. Based on the local cost index (CostLiving estimate from BEA RPP and Census rents); taxes not included.
Nearby cities
| City | Distance | Index | Budget (single) | Median rent |
|---|---|---|---|---|
| Columbia, MO | 76 mi | 89.6 | $2,329 | $1,097 |
| O'Fallon, MO | 80 mi | 98.4 | $2,789 | $1,443 |
| St. Peters, MO | 85 mi | 97.0 | $2,640 | $1,321 |
| St. Charles, MO | 89 mi | 96.1 | $2,612 | $1,251 |
| St. Louis, MO | 95 mi | 93.1 | $2,317 | $997 |
| Florissant, MO | 98 mi | 96.6 | $2,386 | $1,288 |
Cities with a similar cost of living
| City | Index | Budget (single) | Median rent |
|---|---|---|---|
| Fort Payne, AL | 86.2 | $2,053 | $679 |
| Emporia, KS | 86.4 | $2,050 | $815 |
| Thibodaux, LA | 86.5 | $2,097 | $960 |
| Spirit Lake, IA | 86.6 | $2,234 | $911 |
| Sioux City, IA | 86.6 | $2,222 | $976 |
| Ada, OK | 86.7 | $1,980 | $894 |
Compare Rolla with another city
Frequently asked questions
Is Rolla, MO an expensive place to live?
Rolla has a local cost of living index of 85.8, which is 14.2% below the US average. This CostLiving estimate starts from the BEA Regional Price Parities 2024 for nonmetropolitan Missouri (83.9) and adjusts housing to Rolla's own rents. It is 5.0 points below the Missouri average. It is the least expensive of the 15 Missouri cities in our data. Cheaper than 100% of the cities we cover.
How much money do you need to live in Rolla?
Our modelled estimate of basic monthly costs is $2,032 for a single adult, $3,520 for a couple and $4,424 for a family of four, before taxes, child care and savings. A $60,000 salary in an average-priced US area buys about the same as $51,500 in Rolla.
What is the average rent in Rolla?
The median gross rent (rent plus tenant-paid utilities) is $789 a month (Census ACS 2020-2024). By size: 1 bedroom $628, 2 bedrooms $823, 3 bedrooms $1,075. The typical renter spends 30.5% of household income on rent (expensive).
How much does a house cost in Rolla?
The median owner-estimated home value is $187,000, 4 times the median household income of $46,204 (moderate). Owners with a mortgage pay a median $1,286 a month in housing costs.
How much is electricity and gas in Rolla?
Missouri residential electricity averaged 16.02¢ per kWh in August 2026 (US 18.16¢). Regular gasoline was $4.10 a gallon (Midwest (PADD 2) average, week of 2026-11-02).
Sources and notes
- Local cost index: CostLiving estimate from BEA Regional Price Parities 2024 for Missouri nonmetropolitan portion (BEA index 83.9) with housing from Census ACS median rent (city figure); see the methodology.
- Rents, home values, income, population: U.S. Census Bureau ACS 5-year 2020-2024, Census place 2962912 (Rolla city).
- Electricity: EIA-861M, Missouri residential average, August 2026.
- Gasoline: EIA weekly retail regular gasoline, Midwest (PADD 2), week of 2026-11-02.
- Inflation: BLS CPI-U Midwest region, September 2026.
- Budget baselines: BLS Consumer Expenditure Survey 2025; electricity use by household size: EIA RECS 2020.
- BEA area index: state nonmetro figure (in a micropolitan area; BEA publishes RPPs only for metro areas).
- Gasoline price: regional figure (EIA publishes weekly prices for only 9 states).
Labels such as “county figure” or “state nonmetro figure” mark values that come from a larger area because the city-level figure is unavailable or unreliable. The monthly budget is a modelled estimate, not observed spending, and excludes taxes. This page is for general information and is not financial advice. Methodology · All sources