Bradley Beach, NJ vs St. Louis, MO: Cost of Living

Which city costs less?

St. Louis, MO has a modeled overall cost index 37.7% lower than Bradley Beach, NJ.

Bradley Beach, NJ · modeled 2BR rent: $2,290 / 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

Adjust your income and compare the budget ↓

Tap to swap

Cost of Living Comparison 2026

Compare Bradley Beach, NJ 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 Bradley Beach, NJ

Numbers update automatically as you type

Estimated savings: $2,923/month in St. Louis, MO

$150,000 in your current city has a modeled equivalent of $114,928 in St. Louis, MO

Regional cost estimates: Bradley Beach, NJ uses New York, NY. St. Louis, MO uses St. Louis, MO-IL Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 37.7%

Less expensive

Monthly Impact

$2,923

Savings

Annual Impact

$35.1K

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.

Bradley Beach, NJ

Population:4K

Cost Index:

139.7

100 = national average

Typical Home:$1.05M

St. Louis, MO

Population:302K

Cost Index:

87.0

100 = national average

Typical Home:$145K

Planning the move to St. Louis?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Bradley Beach, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 4K 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

Estimated monthly spending: Bradley Beach, NJ 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	Bradley Beach, NJ	St. Louis, MO	Difference	Change
Housing	$3,908/mo	$1,277/mo	↓ $2,631less	67.3%
Transportation	$910/mo	$830/mo	↓ $79.88less	8.8%
Groceries	$725/mo	$648/mo	↓ $77.36less	10.7%
Healthcare	$428/mo	$360/mo	↓ $68.66less	16.0%
Other	$1,155/mo	$1,097/mo	↓ $57.82less	5.0%
All Utilities	$374/mo	$366/mo	↓ $7.98less	2.1%

Housing

↓ 67.3%

Bradley Beach, NJ

$3,908

St. Louis, MO

$1,277

Difference

$2,631

less

Transportation

↓ 8.8%

Bradley Beach, NJ

$910

St. Louis, MO

$830

Difference

$79.88

less

Groceries

↓ 10.7%

Bradley Beach, NJ

$725

St. Louis, MO

$648

Difference

$77.36

less

Healthcare

↓ 16.0%

Bradley Beach, NJ

$428

St. Louis, MO

$360

Difference

$68.66

less

Other

↓ 5.0%

Bradley Beach, NJ

$1,155

St. Louis, MO

$1,097

Difference

$57.82

less

All Utilities

↓ 2.1%

Bradley Beach, NJ

$374

St. Louis, MO

$366

Difference

$7.98

less

🏛️ Local Income Taxes

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

Bradley Beach, NJ 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$1,650

To$910

↓ $740

1 Bed

From$1,860

To$950

↓ $910

2 Bed

From$2,290

To$1,160

↓ $1,130

3 Bed

From$2,990

To$1,490

↓ $1,500

Bradley Beach, NJZIP-level data

1BR range: $1,860–$1,860/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 Bradley Beach, NJ

$4,577

Monthly in St. Louis, MO

$2,923

Difference

Home Values

Bradley Beach

St. Louis

$1.05M

Median Value

$145K

↑ +5.6%

YoY Change

↓ -0.8%

↑ +53.7%

5-Year Change

↑ +10.9%

$1.05M

Price Range

$38K - $302K

Homes in St. Louis are 86% less expensive than Bradley Beach

Calculate payment - Bradley Beach Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $499

More taxes

Monthly Difference

$41.54

Less take-home

Effective Rate Diff

0.3%

Rate difference

Bradley Beach, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Bradley Beach, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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

Bradley Beach

St. Louis

43 Good

Air Quality

54 Moderate

65.8%

Good Air Days

38%

99 High

Climate Risk

99 High

🌊🌀🌡

Top Hazards

🌊🌡🫨

▲+2.7°F

2050 Outlook

▲+3.0°F

11 days

Heat Days >95°F

39 days

▲+2.7°F

2050 Outlook

▲+3.0°F

11 days

Heat Days >95°F

39 days

Before moving from Bradley Beach, NJ 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 Bradley Beach, NJ. 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 Bradley Beach 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: Bradley Beach, NJ vs St. Louis, MO

How do the cost estimates for Bradley Beach, NJ and St. Louis, MO compare?

St. Louis, MO has a modeled overall cost index 37.7% lower than Bradley Beach, NJ. 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 Bradley Beach, NJ, the model estimates $114,928 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 Bradley Beach, NJ and St. Louis, MO?

The modeled two-bedroom rents are $2,290/month in Bradley Beach, NJ 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 New Jersey and Missouri on TaxTakeHome.com