Is O'Fallon, MO a Good Place to Live?
O'Fallon is a mid-sized city of 91,825 in Missouri, with a median household income of $104,863 and a 3.1% unemployment rate. Its cost of living index is 96 (US average = 100), which is 4% below the national average.
Strengths: O'Fallon stands out for an affordable cost of living, lower-than-average crime, solid school ratings (A), a well-educated population.
Trade-offs: No major red flags stand out in the available data. Whether O'Fallon is right for you depends on your priorities — the full breakdown is below.
All O'Fallon city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 96.3O'Fallon's overall cost of living index is 96.3, where 100 represents the US national average. Living in O'Fallon costs roughly 4% less than the average American city.
| Metric | O'Fallon, MO | National Avg |
|---|---|---|
| Median Home Value | $283,600 | $244,900 |
| Median Monthly Rent | $1,311 | $1,163 |
| Homeownership Rate | 80.9% | 65.9% |
| Median Household Income | $104,863 | $74,755 |
Crime & Safety
Very SafeO'Fallon's violent crime rate is 59.0 per 100,000 residents — 84% lower than the national average of ~380 per 100,000.
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
O'Fallon is served primarily by FORT ZUMWALT SCHOOL DISTRICT. The student-to-teacher ratio is 12.7:1 (better than the national average of ~16:1).
| Metric | O'Fallon, MO | National Avg |
|---|---|---|
| School District | FORT ZUMWALT SCHOOL DISTRICT | — |
| Elementary Schools | 16 | — |
| Middle Schools | 4 | — |
| High Schools | 5 | — |
| Student/Teacher Ratio | 12.7:1 | 16:1 |
| Bachelor's Degree or Higher | 42.4% | 35.4% |
| High School Diploma or Higher | 95.4% | 91.1% |
Weather & Climate
O'Fallon sees average highs of 39.3°F in January and 87.5°F in July, with 44.4 inches of annual precipitation and 13.5 inches of snow per year.
| Metric | O'Fallon, MO |
|---|---|
| Average High — January | 39.3°F |
| Average High — July | 87.5°F |
| Annual Precipitation | 44.4" |
| Annual Snowfall | 13.5" |
Demographics
| Metric | O'Fallon, MO | National Avg |
|---|---|---|
| Population | 91,825 | — |
| Median Age | 38.0 | 38.9 |
| Unemployment Rate | 3.1% | 3.7% |
| Avg Commute Time | 26.1 min | 26 min |
| White (non-Hispanic) | 84.3% | 59.3% |
| Black or African American | 5.0% | 13.6% |
| Hispanic or Latino | 4.2% | 18.9% |
| Asian | 4.4% | 6.3% |
| Under 18 | 24.9% | 22.2% |
| 65 and over | 13.2% | 16.8% |
Nearby Cities
ZIP Codes in O'Fallon
O'Fallon, MO is covered by 2 ZIP codes: