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Cost of Living Comparison 2026

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You'd save $250/month moving to St. Louis, MO

$150.0K in your current city equals $147.0K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from Des Moines-West Des Moines, IA area
Overall Cost
โ†“ 3.3%
Less expensive
Monthly Impact
$250
Savings
Annual Impact
$3.0K
Per year

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

Des Moines, IA

Population:214K
Cost Index:100
Median Home:$228K

St. Louis, MO

Population:302K
Cost Index:97
Median Home:$145K

Des Moines, IA

The Hawkeye State

214K
Population
State Tax
Yes

Located in Iowa, this city has a population of 214K 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: Des Moines, IA vs St. Louis, MO

๐Ÿ Housing
โ†“ 10.0%
Des Moines, IA
$2,079
St. Louis, MO
$1,871
Difference
$208
less
๐ŸฅHealthcare
โ†“ 22.7%
Des Moines, IA
$682
St. Louis, MO
$527
Difference
$155
less
โšกAll Utilities
โ†‘ 14.0%
Des Moines, IA
$470
St. Louis, MO
$535
Difference
$65.57
more
๐Ÿ›’Groceries
โ†‘ 4.4%
Des Moines, IA
$909
St. Louis, MO
$949
Difference
$39.97
more
๐Ÿš—Transportation
โ†“ 2.2%
Des Moines, IA
$1,243
St. Louis, MO
$1,216
Difference
$27.32
less
๐Ÿ“ฆOther
โ†’ 0.0%
Des Moines, IA
$1,607
St. Louis, MO
$1,607
Difference
$0
same

๐Ÿ›๏ธ Local Income Taxes

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

Des Moines, IA has no local income tax.

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

๐Ÿ Rent Comparison

Studio
From$1,020
To$910
โ†“ $110
1 Bed
From$1,060
To$950
โ†“ $110
2 Bed
From$1,260
To$1,160
โ†“ $100
3 Bed
From$1,720
To$1,490
โ†“ $230
Des Moines, IAZIP-level data

1BR range: $960โ€“$1,150/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.

$6,990
Monthly in Des Moines, IA
$6,705
Monthly in St. Louis, MO
$285
Difference

Home Values

Des Moines
St. Louis
$228K
Median Value
$145K
โ†‘ +1.2%
YoY Change
โ†“ -0.8%
โ†‘ +32.4%
5-Year Change
โ†‘ +10.9%
$157K - $344K
Price Range
$38K - $302K

Homes in St. Louis are 37% less expensive than Des Moines

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $2.8K
Per year
Monthly Difference
$231
More take-home
Effective Rate Diff
1.8%
Rate difference

Des Moines, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

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

Des Moines, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

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

Des Moines
St. Louis
45 Good
Air Quality
54 Moderate
67.5%
Good Air Days
38%
92 Moderate
Climate Risk
99 High
๐ŸŒกโ˜€๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+3.4ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
25 days
Heat Days >95ยฐF
39 days
โ–ฒ+3.4ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
25 days
Heat Days >95ยฐF
39 days

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

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