Is St. Louis, MO cheaper than Commerce City, CO?

Based on cost of living data, St. Louis, MO is 16.7% cheaper than Commerce City, CO. This translates to saving $1249 per month.

What salary do I need in St. Louis, MO to live like I do in Commerce City, CO?

If you earn $150,000 in Commerce City, CO, you'd need approximately $135,009.367 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Commerce City, CO and St. Louis, MO?

Housing in St. Louis, MO is 32.6% cheaper than in Commerce City, CO. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,557/month in Commerce City, CO.

How much can I save per month by moving from Commerce City, CO to St. Louis, MO?

Moving from Commerce City, CO to St. Louis, MO could save you approximately $1249 per month, or $14991 per year, based on a $150,000 salary.

Commerce City, CO vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Commerce City, CO — ZIP-level rent data · COL adjusted from Denver, CO area

Current salary in Commerce City, CO

Numbers update automatically as you type

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

$150.0K in your current city equals $135.0K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Denver-Aurora-Lakewood, CO area

Overall Cost

↓ 16.7%

Less expensive

Monthly Impact

$1,249

Savings

Annual Impact

$15.0K

Per year

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

Commerce City, CO

Population:68K

Cost Index:100

Median Home:$470K

St. Louis, MO

Population:302K

Cost Index:83

Median Home:$145K

Commerce City, CO

The Centennial State

68K

Population

State Tax

Yes

Located in Colorado, this city has a population of 68K 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: Commerce City, CO vs St. Louis, MO

Category	Commerce City, CO	St. Louis, MO	Difference	Change
🏠Housing	$2,774/mo	$1,871/mo	↓ $903less	32.6%
🚗Transportation	$1,387/mo	$1,216/mo	↓ $171less	12.3%
🏥Healthcare	$616/mo	$527/mo	↓ $88.99less	14.5%
📦Other	$1,684/mo	$1,607/mo	↓ $76.86less	4.6%
🛒Groceries	$1,003/mo	$949/mo	↓ $53.34less	5.3%
⚡All Utilities	$506/mo	$535/mo	↑ $29.81more	5.9%

🏠Housing

↓ 32.6%

Commerce City, CO

$2,774

St. Louis, MO

$1,871

Difference

$903

less

🚗Transportation

↓ 12.3%

Commerce City, CO

$1,387

St. Louis, MO

$1,216

Difference

$171

less

🏥Healthcare

↓ 14.5%

Commerce City, CO

$616

St. Louis, MO

$527

Difference

$88.99

less

📦Other

↓ 4.6%

Commerce City, CO

$1,684

St. Louis, MO

$1,607

Difference

$76.86

less

🛒Groceries

↓ 5.3%

Commerce City, CO

$1,003

St. Louis, MO

$949

Difference

$53.34

less

⚡All Utilities

↑ 5.9%

Commerce City, CO

$506

St. Louis, MO

$535

Difference

$29.81

🏛️ Local Income Taxes

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

Commerce City, CO 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$1,194

To$910

↓ $284

1 Bed

From$1,307

To$950

↓ $357

2 Bed

From$1,557

To$1,160

↓ $397

3 Bed

From$2,033

To$1,490

↓ $543

Commerce City, COZIP-level data

1BR range: $1,620–$1,620/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.

$7,969

Monthly in Commerce City, CO

$6,705

Monthly in St. Louis, MO

$1,264

Difference

Home Values

Commerce City

St. Louis

$470K

Median Value

$145K

↓ -4.3%

YoY Change

↓ -0.8%

↑ +18.2%

5-Year Change

↑ +10.9%

$470K

Price Range

$38K - $302K

Homes in St. Louis are 69% less expensive than Commerce City

Calculate payment - Commerce City Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.3K

More taxes

Monthly Difference

$111

Less take-home

Effective Rate Diff

0.9%

Rate difference

Commerce City, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

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

Commerce City, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

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.