Is St. Louis, MO cheaper than Albany, OR?

Based on cost of living data, St. Louis, MO is 18.4% cheaper than Albany, OR. This translates to saving $1379 per month.

What salary do I need in St. Louis, MO to live like I do in Albany, OR?

If you earn $150,000 in Albany, OR, you'd need approximately $133,457.321 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Albany, OR and St. Louis, MO?

Housing in St. Louis, MO is 46.1% cheaper than in Albany, OR. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,038/month in Albany, OR.

How much can I save per month by moving from Albany, OR to St. Louis, MO?

Moving from Albany, OR to St. Louis, MO could save you approximately $1379 per month, or $16543 per year, based on a $150,000 salary.

Albany, OR vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Albany, OR — ZIP-level rent data · COL adjusted from Portland, OR area

Current salary in Albany, OR

Numbers update automatically as you type

You'd save $1.4K/month moving to St. Louis, MO

$150.0K in your current city equals $133.5K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 18.4%

Less expensive

Monthly Impact

$1,379

Savings

Annual Impact

$16.5K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Albany, OR

Population:57K

Cost Index:100

Median Home:$500K

St. Louis, MO

Population:302K

Cost Index:82

Median Home:$145K

Albany, OR

The Beaver State

57K

Population

State Tax

Yes

Located in Oregon, this city has a population of 57K residents.

St. Louis, MO

The Show-Me State

302K

Population

State Tax

Yes

Located in Missouri, this city has a population of 302K residents.

Cost Breakdown by Category

Annual spending: Albany, OR vs St. Louis, MO

Category	Albany, OR	St. Louis, MO	Difference	Change
🏠Housing	$3,471/mo	$1,871/mo	↓ $1,600less	46.1%
🚗Transportation	$1,411/mo	$1,216/mo	↓ $196less	13.9%
⚡All Utilities	$430/mo	$535/mo	↑ $105more	24.4%
🏥Healthcare	$600/mo	$527/mo	↓ $73.66less	12.3%
📦Other	$1,578/mo	$1,607/mo	↑ $28.57more	1.8%
🛒Groceries	$968/mo	$949/mo	↓ $18.88less	1.9%

🏠Housing

↓ 46.1%

Albany, OR

$3,471

St. Louis, MO

$1,871

Difference

$1,600

less

🚗Transportation

↓ 13.9%

Albany, OR

$1,411

St. Louis, MO

$1,216

Difference

$196

less

⚡All Utilities

↑ 24.4%

Albany, OR

$430

St. Louis, MO

$535

Difference

$105

🏥Healthcare

↓ 12.3%

Albany, OR

$600

St. Louis, MO

$527

Difference

$73.66

less

📦Other

↑ 1.8%

Albany, OR

$1,578

St. Louis, MO

$1,607

Difference

$28.57

🛒Groceries

↓ 1.9%

Albany, OR

$968

St. Louis, MO

$949

Difference

$18.88

less

🏛️ Local Income Taxes

St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)

Albany, OR has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$753

To$910

↑ $157

1 Bed

From$843

To$950

↑ $107

2 Bed

From$1,038

To$1,160

↑ $122

3 Bed

From$1,450

To$1,490

↑ $40.00

Albany, ORZIP-level data

1BR range: $1,210–$1,210/mo

St. Louis, MOZIP-level data

1BR range: $800–$1,480/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$8,460

Monthly in Albany, OR

$6,705

Monthly in St. Louis, MO

$1,754

Difference

Home Values

Albany

St. Louis

$500K

Median Value

$145K

↑ +0.1%

YoY Change

↓ -0.8%

↑ +31.5%

5-Year Change

↑ +10.9%

$500K

Price Range

$38K - $302K

Homes in St. Louis are 71% less expensive than Albany

Calculate payment - Albany Calculate payment - St. Louis

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.6K

Per year

Monthly Difference

$632

More take-home

Effective Rate Diff

5.1%

Rate difference

Albany, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

St. Louis, MO

Federal Income Tax

Effective: 18.9%

$25.5K

Missouri State Tax

Effective: 5.3%

$7.9K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$44.9K

Take-Home Pay

$8,755/month

$105.1K

Additional Tax Information

Albany, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

St. Louis, MO Tax Rates

Sales Tax:8.2%

Property Tax:1.0%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.