Is St. Louis, MO cheaper than Beloit, WI?

Based on cost of living data, St. Louis, MO is 12.2% cheaper than Beloit, WI. This translates to saving $913 per month.

What salary do I need in St. Louis, MO to live like I do in Beloit, WI?

If you earn $150,000 in Beloit, WI, you'd need approximately $139,045.725 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Beloit, WI and St. Louis, MO?

Housing in St. Louis, MO is 20.0% cheaper than in Beloit, WI. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,123/month in Beloit, WI.

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

Moving from Beloit, WI to St. Louis, MO could save you approximately $913 per month, or $10954 per year, based on a $150,000 salary.

Beloit, WI vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Beloit, WI — COL adjusted from Madison, WI area + state data

Current salary in Beloit, WI

Numbers update automatically as you type

You'd save $913/month moving to St. Louis, MO

$150.0K in your current city equals $139.0K in St. Louis, MO

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

Overall Cost

↓ 12.2%

Less expensive

Monthly Impact

$913

Savings

Annual Impact

$11.0K

Per year

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

Beloit, WI

Population:36K

Cost Index:100

Median Home:$427K

St. Louis, MO

Population:302K

Cost Index:88

Median Home:$145K

Beloit, WI

The Badger State

36K

Population

State Tax

Yes

Located in Wisconsin, this city has a population of 36K 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: Beloit, WI vs St. Louis, MO

Category	Beloit, WI	St. Louis, MO	Difference	Change
🏠Housing	$2,339/mo	$1,871/mo	↓ $468less	20.0%
🏥Healthcare	$698/mo	$527/mo	↓ $171less	24.6%
🚗Transportation	$1,327/mo	$1,216/mo	↓ $112less	8.4%
📦Other	$1,690/mo	$1,607/mo	↓ $82.75less	4.9%
⚡All Utilities	$494/mo	$535/mo	↑ $41.91more	8.5%
🛒Groceries	$932/mo	$949/mo	↑ $17.55more	1.9%

🏠Housing

↓ 20.0%

Beloit, WI

$2,339

St. Louis, MO

$1,871

Difference

$468

less

🏥Healthcare

↓ 24.6%

Beloit, WI

$698

St. Louis, MO

$527

Difference

$171

less

🚗Transportation

↓ 8.4%

Beloit, WI

$1,327

St. Louis, MO

$1,216

Difference

$112

less

📦Other

↓ 4.9%

Beloit, WI

$1,690

St. Louis, MO

$1,607

Difference

$82.75

less

⚡All Utilities

↑ 8.5%

Beloit, WI

$494

St. Louis, MO

$535

Difference

$41.91

🛒Groceries

↑ 1.9%

Beloit, WI

$932

St. Louis, MO

$949

Difference

$17.55

🏛️ Local Income Taxes

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

Beloit, WI 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$762

To$910

↑ $148

1 Bed

From$882

To$950

↑ $68.00

2 Bed

From$1,123

To$1,160

↑ $37.00

3 Bed

From$1,524

To$1,490

↓ $34.00

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.

$7,479

Monthly in Beloit, WI

$6,705

Monthly in St. Louis, MO

$774

Difference

Home Values

Beloit

St. Louis

Median Value

$145K

YoY Change

↓ -0.8%

5-Year Change

↑ +10.9%

Price Range

$38K - $302K

Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $921

Per year

Monthly Difference

$76.74

More take-home

Effective Rate Diff

0.6%

Rate difference

Beloit, WI

Federal Income Tax

Effective: 18.9%

$25.5K

Wisconsin State Tax

Effective: 5.9%

$8.8K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.6%

$45.9K

Take-Home Pay

$8,678/month

$104.1K

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

Beloit, WI Tax Rates

Sales Tax:5.6%

Property Tax:1.8%

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.