Is St. Louis, MO cheaper than Apple Valley, MN?

Based on cost of living data, St. Louis, MO is 13.9% cheaper than Apple Valley, MN. This translates to saving $1045 per month.

What salary do I need in St. Louis, MO to live like I do in Apple Valley, MN?

If you earn $150,000 in Apple Valley, MN, you'd need approximately $137,459.419 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Apple Valley, MN and St. Louis, MO?

Housing in St. Louis, MO is 20.1% cheaper than in Apple Valley, MN. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,604/month in Apple Valley, MN.

How much can I save per month by moving from Apple Valley, MN to St. Louis, MO?

Moving from Apple Valley, MN to St. Louis, MO could save you approximately $1045 per month, or $12541 per year, based on a $150,000 salary.

Apple Valley, MN vs St. Louis, MO: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Apple Valley, MN — ZIP-level rent data · COL adjusted from Saint Paul, MN area

Current salary in Apple Valley, MN

Numbers update automatically as you type

You'd save $1.0K/month moving to St. Louis, MO

$150.0K in your current city equals $137.5K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area

Overall Cost

↓ 13.9%

Less expensive

Monthly Impact

$1,045

Savings

Annual Impact

$12.5K

Per year

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

Apple Valley, MN

Population:55K

Cost Index:100

Median Home:$365K

St. Louis, MO

Population:302K

Cost Index:86

Median Home:$145K

Apple Valley, MN

The North Star State

55K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 55K 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: Apple Valley, MN vs St. Louis, MO

Category	Apple Valley, MN	St. Louis, MO	Difference	Change
🏠Housing	$2,342/mo	$1,871/mo	↓ $471less	20.1%
🏥Healthcare	$742/mo	$527/mo	↓ $215less	29.0%
🚗Transportation	$1,328/mo	$1,216/mo	↓ $112less	8.5%
🛒Groceries	$1,010/mo	$949/mo	↓ $60.57less	6.0%
📦Other	$1,660/mo	$1,607/mo	↓ $52.89less	3.2%
⚡All Utilities	$499/mo	$535/mo	↑ $36.88more	7.4%

🏠Housing

↓ 20.1%

Apple Valley, MN

$2,342

St. Louis, MO

$1,871

Difference

$471

less

🏥Healthcare

↓ 29.0%

Apple Valley, MN

$742

St. Louis, MO

$527

Difference

$215

less

🚗Transportation

↓ 8.5%

Apple Valley, MN

$1,328

St. Louis, MO

$1,216

Difference

$112

less

🛒Groceries

↓ 6.0%

Apple Valley, MN

$1,010

St. Louis, MO

$949

Difference

$60.57

less

📦Other

↓ 3.2%

Apple Valley, MN

$1,660

St. Louis, MO

$1,607

Difference

$52.89

less

⚡All Utilities

↑ 7.4%

Apple Valley, MN

$499

St. Louis, MO

$535

Difference

$36.88

🏛️ Local Income Taxes

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

Apple Valley, MN 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$1,162

To$910

↓ $252

1 Bed

From$1,317

To$950

↓ $367

2 Bed

From$1,604

To$1,160

↓ $444

3 Bed

From$2,119

To$1,490

↓ $629

Apple Valley, MNZIP-level data

1BR range: $1,610–$1,610/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.

$7,580

Monthly in Apple Valley, MN

$6,705

Monthly in St. Louis, MO

$875

Difference

Home Values

Apple Valley

St. Louis

$365K

Median Value

$145K

↑ +1%

YoY Change

↓ -0.8%

↑ +20.2%

5-Year Change

↑ +10.9%

$365K

Price Range

$38K - $302K

Homes in St. Louis are 60% less expensive than Apple Valley

Calculate payment - Apple Valley Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.5K

Per year

Monthly Difference

$209

More take-home

Effective Rate Diff

1.7%

Rate difference

Apple Valley, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

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

Apple Valley, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

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.