Charlestown, IN vs Oak Grove, MO: Cost of Living

Which city costs less?

Oak Grove, MO has a modeled overall cost index 0.6% higher than Charlestown, IN.

Charlestown, IN · modeled 2BR rent
$1,130 / month
Oak Grove, MO · modeled 2BR rent
$1,120 / 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 Charlestown, IN and Oak Grove, 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

$
Numbers update automatically as you type

Estimated extra cost: $48.01/month in Oak Grove, MO

$150,000 in your current city has a modeled equivalent of $150,576 in Oak Grove, MO

Regional cost estimates: Charlestown, IN uses Louisville, KY. Oak Grove, MO uses Kansas City, MO. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 0.6%
More expensive
Monthly Impact
$48.01
Extra cost
Annual Impact
$576
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.

Charlestown, IN

Population:8K
Cost Index:
81.6
100 = national average
Typical Home:$297K

Oak Grove, MO

Population:9K
Cost Index:
82.1
100 = national average
Typical Home:$294K

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Charlestown, IN

The Hoosier State

8K
Population
State Tax
Yes

Located in Indiana, this city has a population of 8K residents.

Oak Grove, MO

The Show-Me State

9K
Population
State Tax
Yes

Located in Missouri, this city has a population of 9K residents.

Cost Breakdown by Category

Estimated monthly spending: Charlestown, IN vs Oak Grove, 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.

Transportation
↓ 6.7%
Charlestown, IN
$1,424
Oak Grove, MO
$1,328
Difference
$95.47
less
All Utilities
↑ 15.7%
Charlestown, IN
$530
Oak Grove, MO
$613
Difference
$82.94
more
Healthcare
↑ 8.0%
Charlestown, IN
$643
Oak Grove, MO
$695
Difference
$51.65
more
Other
↑ 1.7%
Charlestown, IN
$1,727
Oak Grove, MO
$1,756
Difference
$29.23
more
Housing
↓ 0.6%
Charlestown, IN
$2,082
Oak Grove, MO
$2,070
Difference
$12.37
less
Groceries
↓ 0.7%
Charlestown, IN
$1,094
Oak Grove, MO
$1,086
Difference
$7.97
less

🏠Rent Comparison

Studio
From$860
To$900
↑ $40.00
1 Bed
From$930
To$990
↑ $60.00
2 Bed
From$1,130
To$1,120
↓ $10.00
3 Bed
From$1,440
To$1,460
↑ $20.00
Charlestown, INZIP-level data

1BR range: $930–$930/mo

Oak Grove, MOZIP-level data

1BR range: $990–$990/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 Charlestown, IN
$7,548
Monthly in Oak Grove, MO
$48.01
Difference

Home Values

Charlestown
Oak Grove
$297K
Median Value
$294K
↑ +2.4%
YoY Change
↑ +3%
↑ +31.5%
5-Year Change
↑ +35.8%

Homes in Oak Grove are 1% less expensive than Charlestown

Calculate payment - CharlestownCalculate payment - Oak Grove

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $3.1K
More taxes
Monthly Difference
$257
Less take-home
Effective Rate Diff
2.1%
Rate difference

Charlestown, IN

Federal Income Tax
Effective: 18.9%
$25.5K
Indiana State Tax
Effective: 3.2%
$4.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.9%
$41.9K
Take-Home Pay
$9,012/month
$108.1K

Oak Grove, 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

Charlestown, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

Oak Grove, 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

Charlestown
Oak Grove
50 Good
Air Quality
46 Good
50.8%
Good Air Days
59.3%
98 High
Climate Risk
97 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+2.9°F
2050 Outlook
▲+3.3°F
37 days
Heat Days >95°F
44 days
▲+2.9°F
2050 Outlook
▲+3.3°F
37 days
Heat Days >95°F
44 days

Before moving from Charlestown, IN to Oak Grove, 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 Oak Grove, MO for the same bedroom count and included utilities as your home in Charlestown, IN. 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 Charlestown to Oak Grove moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Charlestown, IN vs Oak Grove, MO

How do the cost estimates for Charlestown, IN and Oak Grove, MO compare?

Oak Grove, MO has a modeled overall cost index 0.6% higher than Charlestown, IN. 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 Charlestown, IN, the model estimates $150,576 in Oak Grove, 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 Charlestown, IN and Oak Grove, MO?

The modeled two-bedroom rents are $1,130/month in Charlestown, IN and $1,120/month in Oak Grove, 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 Indiana and Missouri on TaxTakeHome.com

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