Is St. Louis, MO cheaper than Carrollton, TX?

Based on cost of living data, St. Louis, MO is 16.5% cheaper than Carrollton, TX. This translates to saving $1240 per month.

What salary do I need in St. Louis, MO to live like I do in Carrollton, TX?

If you earn $150,000 in Carrollton, TX, you'd need approximately $135,114.881 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Carrollton, TX and St. Louis, MO?

Housing in St. Louis, MO is 20.2% cheaper than in Carrollton, TX. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,680/month in Carrollton, TX.

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

Moving from Carrollton, TX to St. Louis, MO could save you approximately $1240 per month, or $14885 per year, based on a $150,000 salary.

Carrollton, TX vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Carrollton, TX — ZIP-level rent data · COL adjusted from Plano, TX area

Current salary in Carrollton, TX

Numbers update automatically as you type

You'd save $1.2K/month moving to St. Louis, MO

$150.0K in your current city equals $135.1K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↓ 16.5%

Less expensive

Monthly Impact

$1,240

Savings

Annual Impact

$14.9K

Per year

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

Carrollton, TX

Population:133K

Cost Index:100

Median Home:$389K

St. Louis, MO

Population:302K

Cost Index:83

Median Home:$145K

Carrollton, TX

The Lone Star State

133K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 133K residents.

💡 Advantage: Texas 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

Annual spending: Carrollton, TX vs St. Louis, MO

Category	Carrollton, TX	St. Louis, MO	Difference	Change
🏠Housing	$2,346/mo	$1,871/mo	↓ $475less	20.2%
📦Other	$1,893/mo	$1,607/mo	↓ $286less	15.1%
🏥Healthcare	$627/mo	$527/mo	↓ $100less	16.0%
🚗Transportation	$1,276/mo	$1,216/mo	↓ $60.42less	4.7%
⚡All Utilities	$558/mo	$535/mo	↓ $22.63less	4.1%
🛒Groceries	$971/mo	$949/mo	↓ $21.82less	2.2%

🏠Housing

↓ 20.2%

Carrollton, TX

$2,346

St. Louis, MO

$1,871

Difference

$475

less

📦Other

↓ 15.1%

Carrollton, TX

$1,893

St. Louis, MO

$1,607

Difference

$286

less

🏥Healthcare

↓ 16.0%

Carrollton, TX

$627

St. Louis, MO

$527

Difference

$100

less

🚗Transportation

↓ 4.7%

Carrollton, TX

$1,276

St. Louis, MO

$1,216

Difference

$60.42

less

⚡All Utilities

↓ 4.1%

Carrollton, TX

$558

St. Louis, MO

$535

Difference

$22.63

less

🛒Groceries

↓ 2.2%

Carrollton, TX

$971

St. Louis, MO

$949

Difference

$21.82

less

🏛️ Local Income Taxes

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

Carrollton, TX 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$1,379

To$910

↓ $469

1 Bed

From$1,438

To$950

↓ $488

2 Bed

From$1,680

To$1,160

↓ $520

3 Bed

From$2,115

To$1,490

↓ $625

Carrollton, TXZIP-level data

1BR range: $1,700–$1,890/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.

$7,671

Monthly in Carrollton, TX

$6,705

Monthly in St. Louis, MO

$966

Difference

Home Values

Carrollton

St. Louis

$389K

Median Value

$145K

↓ -4.7%

YoY Change

↓ -0.8%

↑ +29.5%

5-Year Change

↑ +10.9%

$337K - $515K

Price Range

$38K - $302K

Homes in St. Louis are 63% less expensive than Carrollton

Calculate payment - Carrollton 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

Carrollton, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Carrollton, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.