Cedar Springs, MI vs St. Paul, MO: Cost of Living

Which city costs less?

St. Paul, MO has a modeled overall cost index 0.1% lower than Cedar Springs, MI.

Cedar Springs, MI · modeled 2BR rent
$1,390 / month
St. Paul, MO · modeled 2BR rent
$1,390 / 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 Cedar Springs, MI and St. Paul, 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

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Estimated savings: $188/month in St. Paul, MO

$150,000 in your current city has a modeled equivalent of $147,741 in St. Paul, MO

Regional cost estimates: Cedar Springs, MI uses Milwaukee, WI. St. Paul, MO uses St. Louis, MO. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 0.1%
Less expensive
Monthly Impact
$188
Savings
Annual Impact
$2.3K
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.

Cedar Springs, MI

Population:4K
Cost Index:
78.8
100 = national average
Typical Home:$329K

St. Paul, MO

Population:4K
Cost Index:
78.7
100 = national average
Typical Home:$350K

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Cedar Springs, MI

The Great Lakes State

4K
Population
State Tax
Yes

Located in Michigan, this city has a population of 4K residents.

St. Paul, MO

The Show-Me State

4K
Population
State Tax
Yes

Located in Missouri, this city has a population of 4K residents.

Cost Breakdown by Category

Estimated monthly spending: Cedar Springs, MI vs St. Paul, 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.

Healthcare
↓ 25.1%
Cedar Springs, MI
$816
St. Paul, MO
$611
Difference
$205
less
Transportation
↓ 9.8%
Cedar Springs, MI
$1,488
St. Paul, MO
$1,342
Difference
$145
less
Other
↑ 4.4%
Cedar Springs, MI
$1,699
St. Paul, MO
$1,775
Difference
$75.50
more
All Utilities
↑ 7.7%
Cedar Springs, MI
$577
St. Paul, MO
$622
Difference
$44.40
more
Housing
↑ 1.6%
Cedar Springs, MI
$1,830
St. Paul, MO
$1,860
Difference
$29.65
more
Groceries
↑ 1.1%
Cedar Springs, MI
$1,090
St. Paul, MO
$1,102
Difference
$12.35
more

🏠Rent Comparison

Studio
From$1,120
To$1,090
↓ $30.00
1 Bed
From$1,160
To$1,140
↓ $20.00
2 Bed
From$1,390
To$1,390
→ $0
3 Bed
From$1,800
To$1,790
↓ $10.00
Cedar Springs, MIZIP-level data

1BR range: $1,160–$1,160/mo

St. Paul, MOZIP-level data

1BR range: $1,140–$1,140/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 Cedar Springs, MI
$7,312
Monthly in St. Paul, MO
$188
Difference

Home Values

Cedar Springs
St. Paul
$329K
Median Value
$350K
↑ +5.8%
YoY Change
↑ +0.8%
↑ +43.2%
5-Year Change
↑ +32.1%

Homes in St. Paul are 6% more expensive than Cedar Springs

Calculate payment - Cedar SpringsCalculate payment - St. Paul

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $1.6K
More taxes
Monthly Difference
$130
Less take-home
Effective Rate Diff
1.0%
Rate difference

Cedar Springs, MI

Federal Income Tax
Effective: 18.9%
$25.5K
Michigan State Tax
Effective: 4.3%
$6.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.9%
$43.4K
Take-Home Pay
$8,884/month
$106.6K

St. Paul, 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

Cedar Springs, MI Tax Rates

Sales Tax:6.0%
Property Tax:1.4%

St. Paul, 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

Cedar Springs
St. Paul
43 Good
Air Quality
54 Moderate
68.6%
Good Air Days
38%
98 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🫨
▲+3.3°F
2050 Outlook
▲+3.0°F
13 days
Heat Days >95°F
39 days
▲+3.3°F
2050 Outlook
▲+3.0°F
13 days
Heat Days >95°F
39 days

Before moving from Cedar Springs, MI to St. Paul, MO

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

  1. Compare actual homes. Get current quotes in St. Paul, MO for the same bedroom count and included utilities as your home in Cedar Springs, MI. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Cedar Springs to St. Paul moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Cedar Springs, MI vs St. Paul, MO

How do the cost estimates for Cedar Springs, MI and St. Paul, MO compare?

St. Paul, MO has a modeled overall cost index 0.1% lower than Cedar Springs, MI. 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 Cedar Springs, MI, the model estimates $147,741 in St. Paul, 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 Cedar Springs, MI and St. Paul, MO?

The modeled two-bedroom rents are $1,390/month in Cedar Springs, MI and $1,390/month in St. Paul, 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 Michigan and Missouri on TaxTakeHome.com

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