Is St. Louis, MO cheaper than Benicia, CA?

Based on cost of living data, St. Louis, MO is 43.8% cheaper than Benicia, CA. This translates to saving $3288 per month.

What salary do I need in St. Louis, MO to live like I do in Benicia, CA?

If you earn $150,000 in Benicia, CA, you'd need approximately $110,542.729 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Benicia, CA and St. Louis, MO?

Housing in St. Louis, MO is 67.7% cheaper than in Benicia, CA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,019/month in Benicia, CA.

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

Moving from Benicia, CA to St. Louis, MO could save you approximately $3288 per month, or $39457 per year, based on a $150,000 salary.

Benicia, CA vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Benicia, CA — ZIP-level rent data · COL adjusted from Oakland, CA area

Current salary in Benicia, CA

Numbers update automatically as you type

You'd save $3.3K/month moving to St. Louis, MO

$150.0K in your current city equals $110.5K in St. Louis, MO

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

Overall Cost

↓ 43.8%

Less expensive

Monthly Impact

$3,288

Savings

Annual Impact

$39.5K

Per year

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

Benicia, CA

Population:26K

Cost Index:100

Median Home:$755K

St. Louis, MO

Population:302K

Cost Index:56

Median Home:$145K

Benicia, CA

The Golden State

26K

Population

State Tax

Yes

Located in California, this city has a population of 26K 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: Benicia, CA vs St. Louis, MO

Category	Benicia, CA	St. Louis, MO	Difference	Change
🏠Housing	$5,797/mo	$1,871/mo	↓ $3,926less	67.7%
🚗Transportation	$2,026/mo	$1,216/mo	↓ $811less	40.0%
🛒Groceries	$1,123/mo	$949/mo	↓ $174less	15.5%
🏥Healthcare	$684/mo	$527/mo	↓ $158less	23.1%
📦Other	$1,760/mo	$1,607/mo	↓ $153less	8.7%
⚡All Utilities	$434/mo	$535/mo	↑ $101more	23.3%

🏠Housing

↓ 67.7%

Benicia, CA

$5,797

St. Louis, MO

$1,871

Difference

$3,926

less

🚗Transportation

↓ 40.0%

Benicia, CA

$2,026

St. Louis, MO

$1,216

Difference

$811

less

🛒Groceries

↓ 15.5%

Benicia, CA

$1,123

St. Louis, MO

$949

Difference

$174

less

🏥Healthcare

↓ 23.1%

Benicia, CA

$684

St. Louis, MO

$527

Difference

$158

less

📦Other

↓ 8.7%

Benicia, CA

$1,760

St. Louis, MO

$1,607

Difference

$153

less

⚡All Utilities

↑ 23.3%

Benicia, CA

$434

St. Louis, MO

$535

Difference

$101

🏛️ Local Income Taxes

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

Benicia, CA 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$1,437

To$910

↓ $527

1 Bed

From$1,580

To$950

↓ $630

2 Bed

From$2,019

To$1,160

↓ $859

3 Bed

From$2,697

To$1,490

↓ $1,207

Benicia, CAZIP-level data

1BR range: $1,980–$1,980/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.

$11,826

Monthly in Benicia, CA

$6,705

Monthly in St. Louis, MO

$5,120

Difference

Home Values

Benicia

St. Louis

$755K

Median Value

$145K

↓ -0.7%

YoY Change

↓ -0.8%

↑ +19.3%

5-Year Change

↑ +10.9%

$755K

Price Range

$38K - $302K

Homes in St. Louis are 81% less expensive than Benicia

Calculate payment - Benicia Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.7K

Per year

Monthly Difference

$225

More take-home

Effective Rate Diff

1.8%

Rate difference

Benicia, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Benicia, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

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.