What it's like to live in Chesterfield
Chesterfield is a small city in Missouri with unemployment below the national average, household incomes running above the national average, crime rates well below the national average, and commutes that run shorter than most cities. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Chesterfield deals with rent well above the national average, home prices well above the national average, and cold winters.
The good
- Low unemployment
- Higher-than-average incomes
- Low crime rates
- Short commutes
- Highly educated workforce
- Low student-teacher ratio
The not so good
- Rent well above the national average
- High home prices
- Cold winters
How Chesterfield compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Chesterfield
Based on Chesterfield's median rent, home value and household income
To rent
$3,288
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $65,760 a year
- 33% of Chesterfield renters spend 30% or more of their income on rent
To buy
$94,500
a 20% down payment on the median home
- With 10% down: $47,250
- Homes cost 3.6× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▲ 16% above US
$1,644/mo median rent
Rent runs on the higher side, at $1,644 a month median. Whether that premium makes sense usually comes down to the local job market and what it pays. Home prices are steep, with a median around $472,500. Renting first to get a feel for the city before buying is often the more practical route.
Median home value $472,500 · 33% of renters cost-burdened
Job market▼ 19% below US
3.5% unemployment
Unemployment here is 3.5%, a little below the national average of 4.3%.
City-level (BLS)
Safety▼ 64% below US
120 violent crimes per 100k
Safety is genuinely one of the selling points here. Both violent and property crime run well below the national average, the kind of numbers that fade into the background after a week of living somewhere.
Property crime 908/100k · Chesterfield Police Department · 2025 data
Getting around▼ 17% below US
22 min average commute
Commutes are reasonable, averaging 21.6 minutes. Nothing heroic, and there's still time left over for a life after work. 7 in 10 workers drive to work; 27% work from home.
How workers get to work
Climate
Summers are warm, with highs around 87°F, and winters are cold, with lows around 25°F and snow a regular occurrence. Rainfall is regular throughout the year.
Average month
30-year averages, 1991–2020
Healthcare
1 hospital
There's one Medicare-certified hospital inside city limits, rated 4.0 out of 5 by Medicare. Hospitals in neighboring towns aren't counted here.
Medicare-certified hospitals
Education & workforce▲ 101% above US
73% bachelor's degree or higher
This is a highly educated city, with over half the adult population holding a college degree. That tends to shape the job market and the broader culture, and it's a solid indicator of a strong professional scene.
Schools
12 public schools inside the boundary
There are 12 public schools inside the boundary and 9 private schools. The student-to-teacher ratio is 14:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Parks & recreation
The nearest national park or historic site is Ulysses S Grant National Historic Site (14 miles away). There are 6 national parks and sites within a day's drive.
Bottom line
Chesterfield's strongest points are unemployment below the national average and household incomes running above the national average; the main tradeoffs are rent well above the national average and home prices well above the national average. A year of median rent ($1,644/mo) equals 15% of the median household income here, less than the 21% typical nationwide. It tends to suit anyone prioritizing low crime, remote workers (27% of workers here already work from home), and people who want short commutes.
Other places near Chesterfield
All Missouri guides →Moving to Ballwin →
5 mi away · pop. 31,279
Rent $1,418/mo · Income $124,626
Compare with Chesterfield →Moving to Manchester →
7 mi away · pop. 18,160
Rent $1,322/mo · Income $97,801
Compare with Chesterfield →Moving to Maryland Heights →
7 mi away · pop. 27,880
Rent $1,312/mo · Income $86,436
Compare with Chesterfield →Not sure Chesterfield is the one?
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