Is St. Louis, MO cheaper than Eugene, OR?

Based on cost of living data, St. Louis, MO is 16.6% cheaper than Eugene, OR. This translates to saving $1248 per month.

What salary do I need in St. Louis, MO to live like I do in Eugene, OR?

If you earn $150,000 in Eugene, OR, you'd need approximately $135,024.396 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Eugene, OR and St. Louis, MO?

Housing in St. Louis, MO is 44.9% cheaper than in Eugene, OR. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,208/month in Eugene, OR.

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

Moving from Eugene, OR to St. Louis, MO could save you approximately $1248 per month, or $14976 per year, based on a $150,000 salary.

Eugene, OR vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Eugene, OR — ZIP-level rent data · COL adjusted from Portland, OR area

Current salary in Eugene, OR

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 area

Overall Cost

↓ 16.6%

Less expensive

Monthly Impact

$1,248

Savings

Annual Impact

$15.0K

Per year

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

Eugene, OR

Population:178K

Cost Index:100

Median Home:$470K

St. Louis, MO

Population:302K

Cost Index:83

Median Home:$145K

Eugene, OR

The Beaver State

178K

Population

State Tax

Yes

Located in Oregon, this city has a population of 178K 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: Eugene, OR vs St. Louis, MO

Category	Eugene, OR	St. Louis, MO	Difference	Change
🏠Housing	$3,399/mo	$1,871/mo	↓ $1,527less	44.9%
🚗Transportation	$1,382/mo	$1,216/mo	↓ $166less	12.0%
⚡All Utilities	$426/mo	$535/mo	↑ $110more	25.7%
🏥Healthcare	$594/mo	$527/mo	↓ $67.36less	11.3%
📦Other	$1,546/mo	$1,607/mo	↑ $61.54more	4.0%
🛒Groceries	$958/mo	$949/mo	↓ $8.71less	0.9%

🏠Housing

↓ 44.9%

Eugene, OR

$3,399

St. Louis, MO

$1,871

Difference

$1,527

less

🚗Transportation

↓ 12.0%

Eugene, OR

$1,382

St. Louis, MO

$1,216

Difference

$166

less

⚡All Utilities

↑ 25.7%

Eugene, OR

$426

St. Louis, MO

$535

Difference

$110

🏥Healthcare

↓ 11.3%

Eugene, OR

$594

St. Louis, MO

$527

Difference

$67.36

less

📦Other

↑ 4.0%

Eugene, OR

$1,546

St. Louis, MO

$1,607

Difference

$61.54

🛒Groceries

↓ 0.9%

Eugene, OR

$958

St. Louis, MO

$949

Difference

$8.71

less

🏛️ Local Income Taxes

Eugene, OR: Lane Transit District Payroll Tax$315/yr (0.2%)

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

Net difference+$1,185/yr

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

🏠Rent Comparison

Studio

From$873

To$910

↑ $37.00

1 Bed

From$921

To$950

↑ $29.00

2 Bed

From$1,208

To$1,160

↓ $48.00

3 Bed

From$1,682

To$1,490

↓ $192

Eugene, ORZIP-level data

1BR range: $1,300–$1,380/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.

$8,304

Monthly in Eugene, OR

$6,705

Monthly in St. Louis, MO

$1,599

Difference

Home Values

Eugene

St. Louis

$470K

Median Value

$145K

↓ -0.3%

YoY Change

↓ -0.8%

↑ +27.2%

5-Year Change

↑ +10.9%

$391K - $592K

Price Range

$38K - $302K

Homes in St. Louis are 69% less expensive than Eugene

Calculate payment - Eugene Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.6K

Per year

Monthly Difference

$632

More take-home

Effective Rate Diff

5.1%

Rate difference

Eugene, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

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

Eugene, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

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.