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Cost of Living Comparison 2026

๐Ÿ“ Ames, IA โ€” ZIP-level rent data ยท COL adjusted from Des Moines, IA area

$

Numbers update automatically as you type

You'd save $79.17/month moving to St. Louis, MO

$150.0K in your current city equals $149.0K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from Des Moines-West Des Moines, IA area
Overall Cost
โ†“ 1.1%
Less expensive
Monthly Impact
$79.17
Savings
Annual Impact
$950
Per year

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

Ames, IA

Population:66K
Cost Index:100
Median Home:$264K

St. Louis, MO

Population:302K
Cost Index:99
Median Home:$145K

Ames, IA

The Hawkeye State

66K
Population
State Tax
Yes

Located in Iowa, this city has a population of 66K 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: Ames, IA vs St. Louis, MO

๐ŸฅHealthcare
โ†“ 21.8%
Ames, IA
$674
St. Louis, MO
$527
Difference
$147
less
โšกAll Utilities
โ†‘ 15.3%
Ames, IA
$464
St. Louis, MO
$535
Difference
$71.01
more
๐Ÿ›’Groceries
โ†‘ 5.6%
Ames, IA
$899
St. Louis, MO
$949
Difference
$50.50
more
๐Ÿ Housing
โ†‘ 2.4%
Ames, IA
$1,828
St. Louis, MO
$1,871
Difference
$43.07
more
๐Ÿ“ฆOther
โ†‘ 2.4%
Ames, IA
$1,570
St. Louis, MO
$1,607
Difference
$37.00
more
๐Ÿš—Transportation
โ†‘ 0.1%
Ames, IA
$1,214
St. Louis, MO
$1,216
Difference
$1.30
more

๐Ÿ›๏ธ Local Income Taxes

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

Ames, IA has no local income tax.

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

๐Ÿ Rent Comparison

Studio
From$859
To$910
โ†‘ $51.00
1 Bed
From$905
To$950
โ†‘ $45.00
2 Bed
From$1,021
To$1,160
โ†‘ $139
3 Bed
From$1,420
To$1,490
โ†‘ $70.00
Ames, IAZIP-level data

1BR range: $1,020โ€“$1,160/mo

St. Louis, MOZIP-level data

1BR range: $800โ€“$1,480/mo

๐Ÿ’ก 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.

$6,649
Monthly in Ames, IA
$6,705
Monthly in St. Louis, MO
$55.87
Difference

Home Values

Ames
St. Louis
$264K
Median Value
$145K
โ†‘ +2.9%
YoY Change
โ†“ -0.8%
โ†‘ +21.9%
5-Year Change
โ†‘ +10.9%
$258K - $269K
Price Range
$38K - $302K

Homes in St. Louis are 45% less expensive than Ames

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $2.8K
Per year
Monthly Difference
$231
More take-home
Effective Rate Diff
1.8%
Rate difference

Ames, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

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

Ames, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

๐Ÿ’ก 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.

Environment

Ames
St. Louis
45 Good
Air Quality
54 Moderate
67.5%
Good Air Days
38%
92 Moderate
Climate Risk
99 High
๐ŸŒกโ˜€๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+3.4ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
25 days
Heat Days >95ยฐF
39 days
โ–ฒ+3.4ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
25 days
Heat Days >95ยฐF
39 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Iowa and Missouri on TaxTakeHome.com

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