Is St. Louis, MO cheaper than Concord, NC?

Based on cost of living data, St. Louis, MO is 6.1% cheaper than Concord, NC. This translates to saving $456 per month.

What salary do I need in St. Louis, MO to live like I do in Concord, NC?

If you earn $150,000 in Concord, NC, you'd need approximately $144,525.008 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Concord, NC and St. Louis, MO?

Housing in St. Louis, MO is 11.8% cheaper than in Concord, NC. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,258/month in Concord, NC.

How much can I save per month by moving from Concord, NC to St. Louis, MO?

Moving from Concord, NC to St. Louis, MO could save you approximately $456 per month, or $5475 per year, based on a $150,000 salary.

Concord, NC vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Concord, NC — ZIP-level rent data · COL adjusted from Charlotte, NC area

Current salary in Concord, NC

Numbers update automatically as you type

You'd save $456/month moving to St. Louis, MO

$150.0K in your current city equals $144.5K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Charlotte-Concord-Gastonia, NC-SC area

Overall Cost

↓ 6.1%

Less expensive

Monthly Impact

$456

Savings

Annual Impact

$5.5K

Per year

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

Concord, NC

Population:110K

Cost Index:100

Median Home:$371K

St. Louis, MO

Population:302K

Cost Index:94

Median Home:$145K

Concord, NC

The Tar Heel State

110K

Population

State Tax

Yes

Located in North Carolina, this city has a population of 110K 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: Concord, NC vs St. Louis, MO

Category	Concord, NC	St. Louis, MO	Difference	Change
🏠Housing	$2,122/mo	$1,871/mo	↓ $251less	11.8%
🏥Healthcare	$624/mo	$527/mo	↓ $97.00less	15.6%
🚗Transportation	$1,148/mo	$1,216/mo	↑ $67.75more	5.9%
⚡All Utilities	$507/mo	$535/mo	↑ $28.21more	5.6%
📦Other	$1,631/mo	$1,607/mo	↓ $23.61less	1.4%
🛒Groceries	$967/mo	$949/mo	↓ $17.46less	1.8%

🏠Housing

↓ 11.8%

Concord, NC

$2,122

St. Louis, MO

$1,871

Difference

$251

less

🏥Healthcare

↓ 15.6%

Concord, NC

$624

St. Louis, MO

$527

Difference

$97.00

less

🚗Transportation

↑ 5.9%

Concord, NC

$1,148

St. Louis, MO

$1,216

Difference

$67.75

⚡All Utilities

↑ 5.6%

Concord, NC

$507

St. Louis, MO

$535

Difference

$28.21

📦Other

↓ 1.4%

Concord, NC

$1,631

St. Louis, MO

$1,607

Difference

$23.61

less

🛒Groceries

↓ 1.8%

Concord, NC

$967

St. Louis, MO

$949

Difference

$17.46

less

🏛️ Local Income Taxes

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

Concord, NC 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$1,096

To$910

↓ $186

1 Bed

From$1,145

To$950

↓ $195

2 Bed

From$1,258

To$1,160

↓ $98.00

3 Bed

From$1,546

To$1,490

↓ $56.00

Concord, NCZIP-level data

1BR range: $1,310–$1,510/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.

$6,998

Monthly in Concord, NC

$6,705

Monthly in St. Louis, MO

$293

Difference

Home Values

Concord

St. Louis

$371K

Median Value

$145K

↓ -2.4%

YoY Change

↓ -0.8%

↑ +40.1%

5-Year Change

↑ +10.9%

$336K - $406K

Price Range

$38K - $302K

Homes in St. Louis are 61% less expensive than Concord

Calculate payment - Concord Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $804

More taxes

Monthly Difference

$67.00

Less take-home

Effective Rate Diff

0.5%

Rate difference

Concord, NC

Federal Income Tax

Effective: 18.9%

$25.5K

North Carolina State Tax

Effective: 4.8%

$7.1K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.4%

$44.1K

Take-Home Pay

$8,822/month

$105.9K

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

Concord, NC Tax Rates

Sales Tax:7.1%

Property Tax:0.8%

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.