Is St. Louis, MO cheaper than Bayonne, NJ?

Based on cost of living data, St. Louis, MO is 28.2% cheaper than Bayonne, NJ. This translates to saving $2113 per month.

What salary do I need in St. Louis, MO to live like I do in Bayonne, NJ?

If you earn $150,000 in Bayonne, NJ, you'd need approximately $124,640.944 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Bayonne, NJ and St. Louis, MO?

Housing in St. Louis, MO is 42.3% cheaper than in Bayonne, NJ. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,002/month in Bayonne, NJ.

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

Moving from Bayonne, NJ to St. Louis, MO could save you approximately $2113 per month, or $25359 per year, based on a $150,000 salary.

Bayonne, NJ vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Bayonne, NJ — ZIP-level rent data · COL adjusted from Jersey City, NJ area

Current salary in Bayonne, NJ

Numbers update automatically as you type

You'd save $2.1K/month moving to St. Louis, MO

$150.0K in your current city equals $124.6K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 28.2%

Less expensive

Monthly Impact

$2,113

Savings

Annual Impact

$25.4K

Per year

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

Bayonne, NJ

Population:70K

Cost Index:100

Median Home:$573K

St. Louis, MO

Population:302K

Cost Index:72

Median Home:$145K

Bayonne, NJ

The Garden State

70K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 70K 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: Bayonne, NJ vs St. Louis, MO

Category	Bayonne, NJ	St. Louis, MO	Difference	Change
🏠Housing	$3,241/mo	$1,871/mo	↓ $1,370less	42.3%
📦Other	$1,963/mo	$1,607/mo	↓ $356less	18.1%
🚗Transportation	$1,549/mo	$1,216/mo	↓ $333less	21.5%
🏥Healthcare	$677/mo	$527/mo	↓ $150less	22.2%
🛒Groceries	$1,082/mo	$949/mo	↓ $133less	12.3%
⚡All Utilities	$586/mo	$535/mo	↓ $50.82less	8.7%

🏠Housing

↓ 42.3%

Bayonne, NJ

$3,241

St. Louis, MO

$1,871

Difference

$1,370

less

📦Other

↓ 18.1%

Bayonne, NJ

$1,963

St. Louis, MO

$1,607

Difference

$356

less

🚗Transportation

↓ 21.5%

Bayonne, NJ

$1,549

St. Louis, MO

$1,216

Difference

$333

less

🏥Healthcare

↓ 22.2%

Bayonne, NJ

$677

St. Louis, MO

$527

Difference

$150

less

🛒Groceries

↓ 12.3%

Bayonne, NJ

$1,082

St. Louis, MO

$949

Difference

$133

less

⚡All Utilities

↓ 8.7%

Bayonne, NJ

$586

St. Louis, MO

$535

Difference

$50.82

less

🏛️ Local Income Taxes

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

Bayonne, NJ 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$1,746

To$910

↓ $836

1 Bed

From$1,779

To$950

↓ $829

2 Bed

From$2,002

To$1,160

↓ $842

3 Bed

From$2,438

To$1,490

↓ $948

Bayonne, NJZIP-level data

1BR range: $2,160–$2,160/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.

$9,098

Monthly in Bayonne, NJ

$6,705

Monthly in St. Louis, MO

$2,393

Difference

Home Values

Bayonne

St. Louis

$573K

Median Value

$145K

↑ +0.7%

YoY Change

↓ -0.8%

↑ +32.2%

5-Year Change

↑ +10.9%

$573K

Price Range

$38K - $302K

Homes in St. Louis are 75% less expensive than Bayonne

Calculate payment - Bayonne Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $499

More taxes

Monthly Difference

$41.54

Less take-home

Effective Rate Diff

0.3%

Rate difference

Bayonne, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Bayonne, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.