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Cost of Living Comparison 2026

๐Ÿ“ Frankfort, KY โ€” COL adjusted from Lexington, KY area + state data

$

Numbers update automatically as you type

You'd save $92.35/month moving to St. Louis, MO

$150.0K in your current city equals $148.9K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†“ 1.2%
Less expensive
Monthly Impact
$92.35
Savings
Annual Impact
$1.1K
Per year

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

Frankfort, KY

Population:28K
Cost Index:100
Median Home:$345K

St. Louis, MO

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

Frankfort, KY

The Bluegrass State

28K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 28K 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: Frankfort, KY vs St. Louis, MO

๐Ÿ Housing
โ†“ 6.2%
Frankfort, KY
$1,994
St. Louis, MO
$1,871
Difference
$123
less
โšกAll Utilities
โ†‘ 18.5%
Frankfort, KY
$452
St. Louis, MO
$535
Difference
$83.48
more
๐Ÿš—Transportation
โ†‘ 5.6%
Frankfort, KY
$1,151
St. Louis, MO
$1,216
Difference
$64.26
more
๐Ÿ“ฆOther
โ†‘ 3.4%
Frankfort, KY
$1,554
St. Louis, MO
$1,607
Difference
$53.23
more
๐Ÿ›’Groceries
โ†‘ 1.7%
Frankfort, KY
$934
St. Louis, MO
$949
Difference
$15.70
more
๐ŸฅHealthcare
โ†“ 1.9%
Frankfort, KY
$537
St. Louis, MO
$527
Difference
$10.01
less

๐Ÿ›๏ธ Local Income Taxes

Frankfort, KY: Frankfort Occupational Tax$3,000/yr (2.0%)
St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)
Net difference-$1,500/yr

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

๐Ÿ Rent Comparison

Studio
From$580
To$910
โ†‘ $330
1 Bed
From$660
To$950
โ†‘ $290
2 Bed
From$805
To$1,160
โ†‘ $355
3 Bed
From$1,087
To$1,490
โ†‘ $403
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.

$6,621
Monthly in Frankfort, KY
$6,705
Monthly in St. Louis, MO
$84.02
Difference

Home Values

Frankfort
St. Louis
-
Median Value
$145K
-
YoY Change
โ†“ -0.8%
-
5-Year Change
โ†‘ +10.9%
-
Price Range
$38K - $302K

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†“ $429
More taxes
Monthly Difference
$35.75
Less take-home
Effective Rate Diff
0.3%
Rate difference

Frankfort, KY

Federal Income Tax
Effective: 18.9%
$25.5K
Kentucky State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.7%
$44.5K
Take-Home Pay
$8,791/month
$105.5K

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

Frankfort, KY Tax Rates

Sales Tax:6.0%
Property Tax:0.9%

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

Frankfort
St. Louis
41 Good
Air Quality
54 Moderate
79.2%
Good Air Days
38%
92 Moderate
Climate Risk
99 High
๐ŸŒช๐Ÿ’จ
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
21 days
Heat Days >95ยฐF
39 days
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
21 days
Heat Days >95ยฐF
39 days

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

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