Cost of Living in St. Jo, TX

With a cost of living index of 60, St. Jo, TX is one of the most affordable cities in the country. Living here is 40% cheaper than the national average and 28% below the Texas state average of 88. St. Jo is a small community of 876 residents.

Housing costs are the biggest factor in St. Jo's cost of living. The median monthly rent is $483 (63% below the US median of $1,319), and the median home value sits at $146,900 (52% below the national median of $304,900). At current prices, the median home costs roughly 2.1x the median household income — well within traditional affordability guidelines.

The median household income in St. Jo is $68,750, which is 9% lower than the national median of $75,149. Residents spend roughly 8% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to St. Jo. The area sees an average annual temperature of 64.5°F, with summers averaging 83°F and winters around 46°F. Annual rainfall totals 35.6 inches spread over roughly 82 days. The mild climate is a draw for many residents and keeps utility costs moderate year-round.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.