O'Fallon vs Philadelphia
The short version
- O'Fallon is cheaper overall: prices in its metro run 7% lower than in the Philadelphia area (BEA 2024).
- The median home costs $243,100 in Philadelphia and $326,200 in O'Fallon.
- Households earn more in O'Fallon ($110,443 vs $61,953 median).
- O'Fallon is growing faster: +5.2% since 2020 vs -1.8%.
- Commutes are shorter in O'Fallon (26 vs 32 minutes each way).
Side by side
| O'Fallon, MO | Philadelphia, PA | |
|---|---|---|
| People | ||
| Population (2025) | 96,101 | 1,574,281 |
| Growth since 2020 | +5.2% | -1.8% |
| People per square mile | 3,146 | 11,720 |
| Median age | 38.4 | 35.3 |
| Bachelor's degree or higher | 43% | 35% |
| Money and housing | ||
| Median household income | $110,443 | $61,953 |
| Median home value | $326,200 | $243,100 |
| Home value to income | 3.0× | 3.9× |
| Median rent (with utilities) | $1,443 | $1,397 |
| Metro price level (US = 100) | 95.1 | 102.6 |
| Housing price level (US = 100) | 79.0 | 113.1 |
| $75,000 elsewhere equals | $71,300 | $76,900 |
| Homeowners | 81% | 52% |
| Top state income tax | 4.7% | 3.07% |
| Combined sales tax | 8.44% | 6.34% |
| Work and commute | ||
| Average commute (minutes) | 25.5 | 31.7 |
| Work from home | 18% | 18% |
| Take public transit | 0% | 17% |
| Unemployment (2020-24 avg) | 2.7% | 8.1% |
| Poverty rate | 5.4% | 21.4% |
| Weather | ||
| January high / low | 40° / 24° | 41° / 26° |
| July high / low | 90° / 71° | 88° / 70° |
| Precipitation per year | 42 in | 44 in |
| Snowfall per year | 17 in | 23 in |
| Days 90°F or hotter | 47 | 30 |
| Nights below freezing | 85 | 77 |
| Comfortable months | 3 | 6 |
| Risks, air and home prices | ||
| Natural hazard risk (FEMA, county) | Relatively Moderate | Very High |
| FEMA risk score (lower is safer) | 92.6 | 99.6 |
| Good air days, 2025 | 31% | 41% |
| Home prices, past year | +4.1% | +4.3% |
| Home prices, past 5 years | +40.5% | +33.5% |
Highlighted cells are the better value where "better" is clear (lower prices, higher income, shorter commutes). Sources: Census Bureau 2025 estimates and ACS 2020-2024, BEA 2024, NOAA 1991-2020, Tax Foundation 2026.
Weather, month by month
Most comfortable months: O'Fallon: June and September to October. Philadelphia: April to June and August to October.
Full monthly tables: O'Fallon weather by month and Philadelphia weather by month.
What $75,000 is worth
A $75,000 salary in an average-priced US city buys about the same as $71,300 in O'Fallon and $76,900 in Philadelphia. Moving from O'Fallon to Philadelphia, you would need about $80,900 to match a $75,000 salary.
Which would you pick?
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