Circle Pines, MN vs St. Louis, MO: Cost of Living

Which city costs less?

St. Louis, MO has a modeled overall cost index 9.0% lower than Circle Pines, MN.

Circle Pines, MN · modeled 2BR rent: $1,840 / 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

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Cost of Living Comparison 2026

Compare Circle Pines, MN 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 Circle Pines, MN

Numbers update automatically as you type

Estimated savings: $541/month in St. Louis, MO

$150,000 in your current city has a modeled equivalent of $143,506 in St. Louis, MO

Regional cost estimates: Circle Pines, MN uses Saint Paul, MN. St. Louis, MO uses St. Louis, MO-IL Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 9.0%

Less expensive

Monthly Impact

$541

Savings

Annual Impact

$6.5K

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.

Circle Pines, MN

Population:5K

Cost Index:

95.6

100 = national average

Typical Home:$364K

St. Louis, MO

Population:302K

Cost Index:

87.0

100 = national average

Typical Home:$145K

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Circle Pines, MN

The North Star State

Population

State Tax

Yes

Located in Minnesota, this city has a population of 5K 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: Circle Pines, MN 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	Circle Pines, MN	St. Louis, MO	Difference	Change
Housing	$2,298/mo	$1,942/mo	↓ $356less	15.5%
Healthcare	$748/mo	$547/mo	↓ $202less	27.0%
All Utilities	$503/mo	$556/mo	↑ $52.60more	10.5%
Transportation	$1,303/mo	$1,262/mo	↓ $41.48less	3.2%
Other	$1,629/mo	$1,668/mo	↑ $39.15more	2.4%
Groceries	$1,019/mo	$985/mo	↓ $33.85less	3.3%

Housing

↓ 15.5%

Circle Pines, MN

$2,298

St. Louis, MO

$1,942

Difference

$356

less

Healthcare

↓ 27.0%

Circle Pines, MN

$748

St. Louis, MO

$547

Difference

$202

less

All Utilities

↑ 10.5%

Circle Pines, MN

$503

St. Louis, MO

$556

Difference

$52.60

Transportation

↓ 3.2%

Circle Pines, MN

$1,303

St. Louis, MO

$1,262

Difference

$41.48

less

Other

↑ 2.4%

Circle Pines, MN

$1,629

St. Louis, MO

$1,668

Difference

$39.15

Groceries

↓ 3.3%

Circle Pines, MN

$1,019

St. Louis, MO

$985

Difference

$33.85

less

🏛️ Local Income Taxes

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

Circle Pines, MN 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$1,340

To$910

↓ $430

1 Bed

From$1,510

To$950

↓ $560

2 Bed

From$1,840

To$1,160

↓ $680

3 Bed

From$2,440

To$1,490

↓ $950

Circle Pines, MNZIP-level data

1BR range: $1,510–$1,510/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 Circle Pines, MN

$6,959

Monthly in St. Louis, MO

$541

Difference

Home Values

Circle Pines

St. Louis

$364K

Median Value

$145K

↑ +2.3%

YoY Change

↓ -0.8%

↑ +22.3%

5-Year Change

↑ +10.9%

$364K

Price Range

$38K - $302K

Homes in St. Louis are 60% less expensive than Circle Pines

Calculate payment - Circle Pines Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.5K

Per year

Monthly Difference

$209

More take-home

Effective Rate Diff

1.7%

Rate difference

Circle Pines, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

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

Circle Pines, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

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

Circle Pines

St. Louis

36 Good

Air Quality

54 Moderate

72.4%

Good Air Days

38%

95 High

Climate Risk

99 High

🌊🌡🌪

Top Hazards

🌊🌡🫨

▲+3.7°F

2050 Outlook

▲+3.0°F

14 days

Heat Days >95°F

39 days

▲+3.7°F

2050 Outlook

▲+3.0°F

14 days

Heat Days >95°F

39 days

Before moving from Circle Pines, MN 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 Circle Pines, MN. 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 Circle Pines 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: Circle Pines, MN vs St. Louis, MO

How do the cost estimates for Circle Pines, MN and St. Louis, MO compare?

St. Louis, MO has a modeled overall cost index 9.0% lower than Circle Pines, MN. 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 Circle Pines, MN, the model estimates $143,506 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 Circle Pines, MN and St. Louis, MO?

The modeled two-bedroom rents are $1,840/month in Circle Pines, MN 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 Minnesota and Missouri on TaxTakeHome.com