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Cost of Living Comparison 2026

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You'd save $169/month moving to St. Louis, MO

$150.0K in your current city equals $148.0K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from Cincinnati, OH-KY-IN area
Overall Cost
โ†“ 2.2%
Less expensive
Monthly Impact
$169
Savings
Annual Impact
$2.0K
Per year

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

Cincinnati, OH

Population:309K
Cost Index:100
Median Home:$225K

St. Louis, MO

Population:302K
Cost Index:98
Median Home:$145K

Cincinnati, OH

The Buckeye State

309K
Population
State Tax
Yes

Located in Ohio, this city has a population of 309K 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: Cincinnati, OH vs St. Louis, MO

๐Ÿ Housing
โ†“ 10.0%
Cincinnati, OH
$2,079
St. Louis, MO
$1,871
Difference
$208
less
โšกAll Utilities
โ†‘ 15.3%
Cincinnati, OH
$464
St. Louis, MO
$535
Difference
$71.03
more
๐ŸฅHealthcare
โ†“ 6.6%
Cincinnati, OH
$564
St. Louis, MO
$527
Difference
$37.17
less
๐Ÿ›’Groceries
โ†‘ 3.3%
Cincinnati, OH
$919
St. Louis, MO
$949
Difference
$29.98
more
๐Ÿš—Transportation
โ†’ 0.0%
Cincinnati, OH
$1,216
St. Louis, MO
$1,216
Difference
$0
same
๐Ÿ“ฆOther
โ†’ 0.0%
Cincinnati, OH
$1,607
St. Louis, MO
$1,607
Difference
$0
same

๐Ÿ›๏ธ Local Income Taxes

Cincinnati, OH: Cincinnati Earnings Tax$2,700/yr (1.8%)
St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)
Net difference-$1,200/yr

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

๐Ÿ Rent Comparison

Studio
From$850
To$910
โ†‘ $60.00
1 Bed
From$935
To$950
โ†‘ $15.00
2 Bed
From$1,200
To$1,160
โ†“ $40.00
3 Bed
From$1,585
To$1,490
โ†“ $95.00
Cincinnati, OHZIP-level data

1BR range: $760โ€“$1,580/mo

St. Louis, MOZIP-level data

1BR range: $800โ€“$1,480/mo

๐Ÿ’ก 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.

$6,849
Monthly in Cincinnati, OH
$6,705
Monthly in St. Louis, MO
$144
Difference

Home Values

Cincinnati
St. Louis
$225K
Median Value
$145K
โ†‘ +1.2%
YoY Change
โ†“ -0.8%
โ†‘ +31.9%
5-Year Change
โ†‘ +10.9%
$113K - $592K
Price Range
$38K - $302K

Homes in St. Louis are 36% less expensive than Cincinnati

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†“ $3.5K
More taxes
Monthly Difference
$292
Less take-home
Effective Rate Diff
2.3%
Rate difference

Cincinnati, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

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

Cincinnati, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

๐Ÿ’ก 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

Cincinnati
St. Louis
52 Moderate
Air Quality
54 Moderate
44.8%
Good Air Days
38%
96 High
Climate Risk
99 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
29 days
Heat Days >95ยฐF
39 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
29 days
Heat Days >95ยฐF
39 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Ohio and Missouri on TaxTakeHome.com

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