Black Diamond, WA vs St. Louis, MO: Cost of Living

Which city costs less?

St. Louis, MO has a modeled overall cost index 16.7% lower than Black Diamond, WA.

Black Diamond, WA · modeled 2BR rent: $2,640 / month
St. Louis, MO · modeled 2BR rent: $1,160 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Black Diamond, WA and St. Louis, MO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Black Diamond, WA

Numbers update automatically as you type

Estimated savings: $1,508/month in St. Louis, MO

$150,000 in your current city has a modeled equivalent of $131,907 in St. Louis, MO

Regional cost estimates: Black Diamond, WA uses Tacoma, WA. St. Louis, MO uses St. Louis, MO-IL Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 16.7%

Less expensive

Monthly Impact

$1,508

Savings

Annual Impact

$18.1K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Black Diamond, WA

Population:7K

Cost Index:

104.4

100 = national average

Typical Home:$772K

St. Louis, MO

Population:302K

Cost Index:

87.0

100 = national average

Typical Home:$145K

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Black Diamond, WA

The Evergreen State

Population

State Tax

No Income Tax

Located in Washington, this city has a population of 7K residents.

💡 Advantage: Washington has no state income tax!

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

Estimated monthly spending: Black Diamond, WA vs St. Louis, MO

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Black Diamond, WA	St. Louis, MO	Difference	Change
Housing	$2,530/mo	$1,672/mo	↓ $858less	33.9%
Transportation	$1,568/mo	$1,086/mo	↓ $481less	30.7%
Healthcare	$708/mo	$471/mo	↓ $237less	33.5%
Other	$1,355/mo	$1,436/mo	↑ $81.61more	6.0%
Groceries	$927/mo	$848/mo	↓ $78.68less	8.5%
All Utilities	$413/mo	$479/mo	↑ $65.50more	15.9%

Housing

↓ 33.9%

Black Diamond, WA

$2,530

St. Louis, MO

$1,672

Difference

$858

less

Transportation

↓ 30.7%

Black Diamond, WA

$1,568

St. Louis, MO

$1,086

Difference

$481

less

Healthcare

↓ 33.5%

Black Diamond, WA

$708

St. Louis, MO

$471

Difference

$237

less

Other

↑ 6.0%

Black Diamond, WA

$1,355

St. Louis, MO

$1,436

Difference

$81.61

Groceries

↓ 8.5%

Black Diamond, WA

$927

St. Louis, MO

$848

Difference

$78.68

less

All Utilities

↑ 15.9%

Black Diamond, WA

$413

St. Louis, MO

$479

Difference

$65.50

🏛️ Local Income Taxes

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

Black Diamond, WA has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio

From$2,190

To$910

↓ $1,280

1 Bed

From$2,270

To$950

↓ $1,320

2 Bed

From$2,640

To$1,160

↓ $1,480

3 Bed

From$3,450

To$1,490

↓ $1,960

Black Diamond, WAZIP-level data

1BR range: $2,270–$2,270/mo

St. Louis, MOZIP-level data

1BR range: $800–$1,480/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Black Diamond, WA

$5,992

Monthly in St. Louis, MO

$1,508

Difference

Home Values

Black Diamond

St. Louis

$772K

Median Value

$145K

↓ -1.6%

YoY Change

↓ -0.8%

↑ +34%

5-Year Change

↑ +10.9%

$772K

Price Range

$38K - $302K

Homes in St. Louis are 81% less expensive than Black Diamond

Calculate payment - Black Diamond Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $7.9K

More taxes

Monthly Difference

$661

Less take-home

Effective Rate Diff

5.3%

Rate difference

Black Diamond, WA

Federal Income Tax

Effective: 18.9%

$25.5K

Washington State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

Black Diamond, WA Tax Rates

Sales Tax:9.2%

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.

Environment

Black Diamond

St. Louis

44 Good

Air Quality

54 Moderate

72.4%

Good Air Days

38%

99 High

Climate Risk

99 High

🌊🌡🫨

Top Hazards

🌊🌡🫨

▲+2.4°F

2050 Outlook

▲+3.0°F

1 days

Heat Days >95°F

39 days

▲+2.4°F

2050 Outlook

▲+3.0°F

1 days

Heat Days >95°F

39 days

Before moving from Black Diamond, WA to St. Louis, MO

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in St. Louis, MO for the same bedroom count and included utilities as your home in Black Diamond, WA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Black Diamond to St. Louis moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to St. Louis, MO by cost, housing, population and region.

Frequently Asked Questions: Black Diamond, WA vs St. Louis, MO

How do the cost estimates for Black Diamond, WA and St. Louis, MO compare?

St. Louis, MO has a modeled overall cost index 16.7% lower than Black Diamond, WA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Black Diamond, WA, the model estimates $131,907 in St. Louis, MO. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Black Diamond, WA and St. Louis, MO?

The modeled two-bedroom rents are $2,640/month in Black Diamond, WA and $1,160/month in St. Louis, MO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Washington and Missouri on TaxTakeHome.com