2025 Compare Cities Cost of Living:
Spencer, IA vs St. Joseph, MO

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Highlights
Is it cheaper to live in St. Joseph or is it cheaper to live in Spencer?
- St. Joseph is 0.1% less expensive than Spencer.

Which city has more affordable housing, St. Joseph or Spencer?
- St. Joseph housing costs are 13.6% less expensive than Spencer housing costs.

Is Health Care more affordable in Spencer or is Health Care more affordable in St. Joseph.
- Health related expenses are 3.8% less in St. Joseph.
 Spencer, IASt. Joseph, MOUnited States
 Overall  Unlock76.6100
 Food & Groceries94.6  Unlock100
 Health  Unlock110.9100
 Housing46.3  Unlock100
 Median Home Cost  Unlock$132,300$338,100
 Utilities101  Unlock100
 Transportation  Unlock71.0100
 Miscellaneous98.6  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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Reviews for Spencer    2 Reviews

The summers in Spencer are magical. Fireflies, perfect weather, and beautiful lakes nearby. Everything here grows like a dream. Just plant it and it will grow without  More

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Over 15 years ago

Could use a few more democrats just to spice it up.  More

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Reviews for St. Joseph    6 Reviews

I've lived here all my life and gradually the crime rate has worsened over time. From violence to drugs to theft to property damage. The school district is horrible as  More

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Over 16 years ago

St. Joseph, MO is nestled along the mighty Missouri river on the far western side of the state. It has rolling hills and the river banks are gorgeous in fall and spring.  More

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For years now St. Joseph has given alot of lip service to exploiting its historic and architectural assets to enhance the economy and quality of life here. But we  More

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