Kirkwood, MO — How Does Cost of Living Compare to Downtown St. Louis Living?

One of the questions I hear from buyers relocating into the area is how Kirkwood’s cost of living compares to living closer to the city center. It is a great conversation because lifestyle, budget, and personal priorities all come into play.

Generally, Kirkwood tends to be more expensive than many downtown and urban St. Louis neighborhoods when it comes to housing prices. You are paying for suburban living, highly regarded schools, beautifully kept neighborhoods, and strong long-term demand.

However, many buyers feel the investment is worthwhile because Kirkwood delivers lifestyle consistency, stability, and exceptional resale confidence. The neighborhood character, established feel, and pride of ownership help support home values year after year.

On the other hand, urban St. Louis communities sometimes offer more affordability or opportunities to purchase larger or unique historic properties at lower price points. For buyers prioritizing nightlife, city energy, or being close to specific downtown employers, the city may be the better fit.

When I advise clients, I always bring the conversation back to daily living. Do you want a quieter suburban environment or an urban one? Are schools important? Do you value neighborhood identity and suburban amenities, or do you prefer city vibrancy?

Both choices can be wonderful depending on the lifestyle you want.

If you’re trying to determine whether Kirkwood or a more urban St. Louis location fits your budget and goals better, I would be happy to help talk through your options.

— Krista Hartmann