Is St. Louis, MO cheaper than Bozeman, MT?

Based on cost of living data, St. Louis, MO is 5.3% cheaper than Bozeman, MT. This translates to saving $397 per month.

What salary do I need in St. Louis, MO to live like I do in Bozeman, MT?

If you earn $150,000 in Bozeman, MT, you'd need approximately $145,237.648 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Bozeman, MT and St. Louis, MO?

Housing in St. Louis, MO is 19.7% cheaper than in Bozeman, MT. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,414/month in Bozeman, MT.

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

Moving from Bozeman, MT to St. Louis, MO could save you approximately $397 per month, or $4762 per year, based on a $150,000 salary.

Bozeman, MT vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Bozeman, MT — ZIP-level rent data · COL adjusted from Boise, ID area

Current salary in Bozeman, MT

Numbers update automatically as you type

You'd save $397/month moving to St. Louis, MO

$150.0K in your current city equals $145.2K in St. Louis, MO

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

Overall Cost

↓ 5.3%

Less expensive

Monthly Impact

$397

Savings

Annual Impact

$4.8K

Per year

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

Bozeman, MT

Population:57K

Cost Index:100

Median Home:$834K

St. Louis, MO

Population:302K

Cost Index:95

Median Home:$145K

Bozeman, MT

The Treasure State

57K

Population

State Tax

Yes

Located in Montana, this city has a population of 57K 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: Bozeman, MT vs St. Louis, MO

Category	Bozeman, MT	St. Louis, MO	Difference	Change
🏠Housing	$2,331/mo	$1,871/mo	↓ $460less	19.7%
⚡All Utilities	$453/mo	$535/mo	↑ $82.77more	18.3%
🏥Healthcare	$600/mo	$527/mo	↓ $73.21less	12.2%
📦Other	$1,538/mo	$1,607/mo	↑ $69.29more	4.5%
🚗Transportation	$1,148/mo	$1,216/mo	↑ $67.46more	5.9%
🛒Groceries	$912/mo	$949/mo	↑ $37.67more	4.1%

🏠Housing

↓ 19.7%

Bozeman, MT

$2,331

St. Louis, MO

$1,871

Difference

$460

less

⚡All Utilities

↑ 18.3%

Bozeman, MT

$453

St. Louis, MO

$535

Difference

$82.77

🏥Healthcare

↓ 12.2%

Bozeman, MT

$600

St. Louis, MO

$527

Difference

$73.21

less

📦Other

↑ 4.5%

Bozeman, MT

$1,538

St. Louis, MO

$1,607

Difference

$69.29

🚗Transportation

↑ 5.9%

Bozeman, MT

$1,148

St. Louis, MO

$1,216

Difference

$67.46

🛒Groceries

↑ 4.1%

Bozeman, MT

$912

St. Louis, MO

$949

Difference

$37.67

🏛️ Local Income Taxes

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

Bozeman, MT 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$972

To$910

↓ $62.00

1 Bed

From$1,083

To$950

↓ $133

2 Bed

From$1,414

To$1,160

↓ $254

3 Bed

From$1,967

To$1,490

↓ $477

Bozeman, MTZIP-level data

1BR range: $1,470–$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.

$6,981

Monthly in Bozeman, MT

$6,705

Monthly in St. Louis, MO

$276

Difference

Home Values

Bozeman

St. Louis

$834K

Median Value

$145K

↓ -1.7%

YoY Change

↓ -0.8%

↑ +34.5%

5-Year Change

↑ +10.9%

$834K

Price Range

$38K - $302K

Homes in St. Louis are 83% less expensive than Bozeman

Calculate payment - Bozeman Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.6K

Per year

Monthly Difference

$136

More take-home

Effective Rate Diff

1.1%

Rate difference

Bozeman, MT

Federal Income Tax

Effective: 18.9%

$25.5K

Montana State Tax

Effective: 6.4%

$9.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.1%

$46.6K

Take-Home Pay

$8,618/month

$103.4K

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

Bozeman, MT Tax Rates

Sales Tax:0.0%

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.