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Chesterfield, Missouri

USA · Comprehensive city data and intelligence

66
Overall Score

Chesterfield is a prominent suburban city located in St. Louis County, Missouri, situated just west of St. Louis along the Missouri River. Originally incorporated in 1988, the city has rapidly evolved into a major economic hub and one of the premier residential communities in the metropolitan area. Known for its master-planned corporate centers, expansive green spaces, and high-end residential neighborhoods, Chesterfield attracts families, professionals, and retirees alike seeking a balance of urban convenience and suburban tranquility.

About Missouri

Missouri, known as the "Show-Me State," offers a diverse landscape from the Ozark Mountains to the Missouri River, characterized by a continental climate with hot, humid summers and cold winters, experiencing all four seasons. Its economy is highly diversified, with major industries including agriculture, manufacturing (especially transportation equipment and food processing), financial services, and a growing presence in high-tech fields like agtech and cybersecurity. Living in Missouri is generally affordable, consistently ranking among the states with the lowest cost of living, with housing costs significantly below the national average. The lifestyle offers a blend of urban amenities in cities like St. Louis and Kansas City, known for their arts, music, and professional sports, alongside abundant outdoor recreation opportunities.

49,995
Population
$85K
Avg Salary
115
Cost Index
66.2
Quality Score
How this 66/100 was calculated five components, with every reading behind them
Component Readings used Points Weight Contributes
Safety Safety score: 88 / 100 88.0 30% 26.4
Affordability Cost of living index (100 = national baseline): 115.0 25.0 25% 6.3
Economy & jobs Median household income: $115,000 Income needed to live here: $65,000 Unemployment rate: 3.2% 92.5 20% 18.5
Growth Population growth rate: 0.5% Job growth rate: 1.8% 46.8 15% 7.0
Business climate assessment Business climate assessment: 80 / 100 80.0 10% 8.0
Overall score 66.2

Provenance. These figures were produced by the research pass recorded as Tier 1 (fast) (q=52, partial — below threshold), last refreshed 17 October 2026. They are researched estimates drawn from public sources, not a licensed data feed.

Each component is scored against fixed published endpoints, so this number is comparable with any other city and does not move as the dataset grows. Scoring framework 2026.10 — full methodology, weights and accepted ranges.

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Quality Scores

Business
80
Livability
86
Affordability
70
Growth
78

Cost of Living

The cost of living in Chesterfield is higher than the Missouri state average, driven largely by housing costs, upscale retail centers, and high-performing school districts. While everyday goods and utility expenses remain relatively aligned with national averages, the demand for premier real estate pushes the overall cost index up. Property taxes and premium lifestyle amenities also contribute to a higher cost profile compared to surrounding municipalities.

Average Rent
$1,650/mo
Groceries
$420/mo
Transport
$130/mo
Utilities
$175/mo
Healthcare
$240/mo
Gym membership (monthly)
$55.00
Cinema ticket
$15.00
Restaurant meal (mid-range)
$25.00
Monthly groceries
$420.00
Doctor visit (without insurance)
$160.00

Salary Insights

Chesterfield boasts a robust and diversified economy, anchored by major corporate headquarters, healthcare facilities, and biotech research centers. Prominent employers in the area include St. Luke's Hospital, Pfizer, and various financial and professional services firms operating within developments like Chesterfield Valley. The city serves as a primary employment center for West St. Louis County, offering strong career opportunities in healthcare, life sciences, and corporate management.

The average salary in Chesterfield is $85,000 per year. You would need approximately $65,000 to live comfortably.

Top Industries

Retail Trade +1.20% Professional, Scientific, and Technical Services +2.00% Healthcare and Social Assistance +2.40% Finance and Insurance +1.50% Manufacturing and Biotechnology +1.90%

Climate

🌡️
57°F
Avg Temp
☀️
86°F
Summer High
❄️
23°F
Winter Low
🌧️
44.70"
Annual Rain
💧
65.00%
Humidity
🌤️
257
Sunny Days

Transport

Transportation in Chesterfield is predominantly car-centric, with major thoroughfares like Interstate 64 (US-40) and Highway 140 providing direct access to downtown St. Louis and the wider region. While public transit options are limited compared to the urban core, the city's road network is well-maintained and designed to handle substantial commuter traffic. Walkability varies, with pedestrian-friendly zones concentrated around specific commercial developments and town centers.

24 min
Avg Commute
35.00/10
Transit Score
42.00/10
Walkability
High
Car Dependency

Pros & Cons

Advantages
Consistently ranked among the safest cities in Missouri with crime rates well below the national average
Home to top-performing Parkway and Rockwood school districts serving local families
Thriving local economy with major employers in healthcare, biotechnology, and corporate services
Abundant green spaces, including over 20 city parks and extensive multi-use trail systems
Strategic location along Interstate 64 providing easy access to downtown St. Louis and Lambert International Airport
Drawbacks
Overall cost of living and housing prices are significantly higher than the Missouri state average
High level of car dependency with limited public mass transit options within the city
Increasing traffic congestion along major commercial corridors and highway interchanges during peak hours
Limited inventory of affordable entry-level housing options for first-time buyers
Property tax rates can be relatively high compared to surrounding unincorporated areas

Questions about Chesterfield

What people ask about living in and moving to Chesterfield, Missouri.

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Frequently Asked Questions

Urblytica benchmarks its Cost of Living Index against a United States national average baseline of 100. A score of 115 means a city is approximately 15% more expensive than the national average, while a score of 85 indicates it is 15% more affordable. This composite calculation is weighted across six primary expenditure categories: housing, utilities, grocery items, transportation, healthcare, and miscellaneous goods.

Urblytica aggregates housing data from multiple authoritative sources, including Multiple Listing Service (MLS) feeds, municipal property tax registries, the U.S. Census Bureau’s American Community Survey (ACS), and verified historical deed transactions. This multi-tier aggregation ensures precision in tracking median home values and rental rates.

A municipality must meet minimum data-density thresholds—including consistent reporting population samples from the U.S. Census and active residential or commercial real estate transaction feeds—to ensure statistical significance before a complete scoring profile is published.

When primary agencies (such as the Bureau of Labor Statistics or U.S. Census Bureau) issue historical data revisions or benchmark corrections, Urblytica's data pipeline automatically re-indexes affected historical archives to maintain longitudinal trend accuracy.

U.S. affordability calculations incorporate federal income tax brackets, state-specific income tax rates, and local municipal tax variations to evaluate the true net tax drag on median household earnings across different states and cities.

Local county and municipal property tax millage rates are factored directly into the housing component of the cost-of-living index to reflect recurring annual tax burdens for homeowners.

The platform aggregates state sales taxes alongside county and city surtaxes to measure consumer basket purchasing power parity accurately across different retail jurisdictions.

Utility calculations apply regional seasonal consumption weightings, incorporating high summer air conditioning loads in southern states and heavy winter heating demands in northern states.

The index tracks average out-of-pocket healthcare expenses, routine outpatient visit costs, and regional health insurance premium benchmarks published by federal health agencies.

Educational metrics aggregate state standardized testing benchmarks, student-to-teacher ratios, high school graduation rates, and per-pupil expenditure data published by state departments of education.

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