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Cost of Living Comparison 2026

๐Ÿ“ Fort Smith, AR โ€” ZIP-level rent data ยท COL adjusted from Tulsa, OK area

$

Numbers update automatically as you type

You'd save $99.11/month moving to St. Louis, MO

$150.0K in your current city equals $148.8K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†“ 1.3%
Less expensive
Monthly Impact
$99.11
Savings
Annual Impact
$1.2K
Per year

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

Fort Smith, AR

Population:90K
Cost Index:100
Median Home:$224K

St. Louis, MO

Population:302K
Cost Index:99
Median Home:$145K

Fort Smith, AR

The Natural State

90K
Population
State Tax
Yes

Located in Arkansas, this city has a population of 90K 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: Fort Smith, AR vs St. Louis, MO

๐Ÿ“ฆOther
โ†“ 5.3%
Fort Smith, AR
$1,696
St. Louis, MO
$1,607
Difference
$89.38
less
๐Ÿ Housing
โ†“ 2.7%
Fort Smith, AR
$1,922
St. Louis, MO
$1,871
Difference
$51.39
less
โšกAll Utilities
โ†‘ 9.4%
Fort Smith, AR
$490
St. Louis, MO
$535
Difference
$45.93
more
๐Ÿš—Transportation
โ†“ 3.5%
Fort Smith, AR
$1,260
St. Louis, MO
$1,216
Difference
$43.97
less
๐Ÿ›’Groceries
โ†‘ 3.7%
Fort Smith, AR
$915
St. Louis, MO
$949
Difference
$33.90
more
๐ŸฅHealthcare
โ†“ 0.7%
Fort Smith, AR
$530
St. Louis, MO
$527
Difference
$3.51
less

๐Ÿ›๏ธ Local Income Taxes

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

Fort Smith, AR 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$689
To$910
โ†‘ $221
1 Bed
From$720
To$950
โ†‘ $230
2 Bed
From$953
To$1,160
โ†‘ $207
3 Bed
From$1,287
To$1,490
โ†‘ $203
Fort Smith, ARZIP-level data

1BR range: $710โ€“$900/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.

$6,814
Monthly in Fort Smith, AR
$6,705
Monthly in St. Louis, MO
$108
Difference

Home Values

Fort Smith
St. Louis
$224K
Median Value
$145K
โ†‘ +1%
YoY Change
โ†“ -0.8%
โ†‘ +29.8%
5-Year Change
โ†‘ +10.9%
$110K - $313K
Price Range
$38K - $302K

Homes in St. Louis are 35% less expensive than Fort Smith

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $1.1K
Per year
Monthly Difference
$91.04
More take-home
Effective Rate Diff
0.7%
Rate difference

Fort Smith, AR

Federal Income Tax
Effective: 18.9%
$25.5K
Arkansas State Tax
Effective: 6.0%
$9.0K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.7%
$46.0K
Take-Home Pay
$8,664/month
$104.0K

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

Fort Smith, AR Tax Rates

Sales Tax:9.4%
Property Tax:0.6%

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

Fort Smith
St. Louis
51 Moderate
Air Quality
54 Moderate
48.4%
Good Air Days
38%
98 High
Climate Risk
99 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
61 days
Heat Days >95ยฐF
39 days
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
61 days
Heat Days >95ยฐF
39 days

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

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