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

Based on cost of living data, St. Louis, MO is 14.1% cheaper than Bend, OR. This translates to saving $1054 per month.

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

If you earn $150,000 in Bend, OR, you'd need approximately $137,347.348 in St. Louis, MO to maintain the same standard of living.

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

Housing in St. Louis, MO is 43.2% cheaper than in Bend, OR. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,225/month in Bend, OR.

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

Moving from Bend, OR to St. Louis, MO could save you approximately $1054 per month, or $12653 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

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

Current salary in Bend, OR

Numbers update automatically as you type

You'd save $1.1K/month moving to St. Louis, MO

$150.0K in your current city equals $137.3K in St. Louis, MO

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

Overall Cost

↓ 14.1%

Less expensive

Monthly Impact

$1,054

Savings

Annual Impact

$12.7K

Per year

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

Bend, OR

Population:105K

Cost Index:100

Median Home:$634K

St. Louis, MO

Population:302K

Cost Index:86

Median Home:$145K

Bend, OR

The Beaver State

105K

Population

State Tax

Yes

Located in Oregon, this city has a population of 105K 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: Bend, OR vs St. Louis, MO

Category	Bend, OR	St. Louis, MO	Difference	Change
🏠Housing	$3,297/mo	$1,871/mo	↓ $1,425less	43.2%
🚗Transportation	$1,340/mo	$1,216/mo	↓ $125less	9.3%
⚡All Utilities	$419/mo	$535/mo	↑ $116more	27.6%
📦Other	$1,499/mo	$1,607/mo	↑ $108more	7.2%
🏥Healthcare	$585/mo	$527/mo	↓ $58.37less	10.0%
🛒Groceries	$944/mo	$949/mo	↑ $5.78more	0.6%

🏠Housing

↓ 43.2%

Bend, OR

$3,297

St. Louis, MO

$1,871

Difference

$1,425

less

🚗Transportation

↓ 9.3%

Bend, OR

$1,340

St. Louis, MO

$1,216

Difference

$125

less

⚡All Utilities

↑ 27.6%

Bend, OR

$419

St. Louis, MO

$535

Difference

$116

📦Other

↑ 7.2%

Bend, OR

$1,499

St. Louis, MO

$1,607

Difference

$108

🏥Healthcare

↓ 10.0%

Bend, OR

$585

St. Louis, MO

$527

Difference

$58.37

less

🛒Groceries

↑ 0.6%

Bend, OR

$944

St. Louis, MO

$949

Difference

$5.78

🏛️ Local Income Taxes

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

Bend, 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$937

To$910

↓ $27.00

1 Bed

From$943

To$950

↑ $7.00

2 Bed

From$1,225

To$1,160

↓ $65.00

3 Bed

From$1,704

To$1,490

↓ $214

Bend, ORZIP-level data

1BR range: $1,380–$1,470/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.

$8,084

Monthly in Bend, OR

$6,705

Monthly in St. Louis, MO

$1,379

Difference

Home Values

Bend

St. Louis

$634K

Median Value

$145K

↓ -3.3%

YoY Change

↓ -0.8%

↑ +30.9%

5-Year Change

↑ +10.9%

$599K - $668K

Price Range

$38K - $302K

Homes in St. Louis are 77% less expensive than Bend

Calculate payment - Bend 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

Bend, 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

Bend, 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.