States › Missouri › Herculaneum

Is Herculaneum, MO expensive to live in?

OKRent takes 22 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,8697% higher than U.S. average
💵 Families earn per year (2026)$100,773about $8,398/month · 16% higher than U.S. average
🔑 House price$234,30030% lower than U.S. average

Rent is higher than in 61% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards. Most homes (90.7%) are owned, so rentals can be hard to find.

How much money do I need?

To rent here comfortably, you should earn about $74,760 a year. That is $36 an hour at a full-time job.

Is rent cheaper than other Missouri cities?

No. Rent here is more expensive than in most of Missouri. It is number 125 of 142 cities from cheapest to most expensive.

Herculaneum
$1,869
Savannah
$1,443
Ste. Genevieve
$853
Wright City
$989
Weldon Spring
$2,074
Caruthersville
$525
St. Robert
$1,202

How much do households earn in Herculaneum?

Under $25k
5.7%
$25k–50k
15.5%
$50k–100k
53.5%
$100k–150k
19.3%
$150k+
6.0%

Share of households by yearly income. 25.3% of households earn $100,000 or more.

How expensive is Herculaneum overall?

Everyday prices in Missouri overall are 9% below the U.S. average (index 90.8, U.S. = 100).

Housing
70
Goods (food, clothes…)
96
Utilities
79
Other services
95
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Herculaneum, so the Missouri figure is shown.

Taxes and bills in Herculaneum

🏛️ Property tax$2,122a year · 0.91% of home value · U.S. $3,119
⚡ Electric bill$186a month (typical) · U.S. $156

Life in Herculaneum

Commute to work29.3 minU.S.: 26.4 min
College degree23%U.S.: 35.7%
Own their home90.7%U.S.: 65.2%
Below poverty line5.6%U.S.: 12.5%
Unemployment1.2%U.S.: 5.2%

Is it cheaper to rent or buy in Herculaneum?

Buying is cheaper month to month: about $243 a month less than renting.

Renting
$1,869
Owning
$1,626

Owning assumes a typical $234,300 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $23,430 for the down payment.

Frequently asked questions

What is the average rent in Herculaneum, MO?

Renting in Herculaneum costs a median of about $1,869 a month in 2026, including utilities. The Missouri median is $1,285.

How much do I need to make to live in Herculaneum?

To keep rent under 30% of income, you need about $74,760 a year, or $36 an hour at a full-time job.

Is Herculaneum cheap or expensive?

Herculaneum is rated OK: rent takes 22.3% of the typical household income of $100,773. It ranks 125th cheapest of 142 Missouri cities we track.

How much are property taxes in Herculaneum?

The median homeowner in Herculaneum pays $2,122 a year in property taxes, about 0.91% of the median home value.

Is Herculaneum more expensive than the national average?

Overall prices in Missouri are 9% below the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Herculaneum?

The median home value in Herculaneum is $234,300, about 2.3 times the typical yearly household income.

5,071 people live in Herculaneum. Numbers are typical (middle) values.