Is St. Louis, MO cheaper than Gaithersburg, MD?

Based on cost of living data, St. Louis, MO is 39.8% cheaper than Gaithersburg, MD. This translates to saving $2982 per month.

What salary do I need in St. Louis, MO to live like I do in Gaithersburg, MD?

If you earn $150,000 in Gaithersburg, MD, you'd need approximately $114,213.489 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Gaithersburg, MD and St. Louis, MO?

Housing in St. Louis, MO is 64.8% cheaper than in Gaithersburg, MD. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,728/month in Gaithersburg, MD.

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

Moving from Gaithersburg, MD to St. Louis, MO could save you approximately $2982 per month, or $35787 per year, based on a $150,000 salary.

Gaithersburg, MD vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Gaithersburg, MD — ZIP-level rent data · COL adjusted from Washington, DC area

Current salary in Gaithersburg, MD

Numbers update automatically as you type

You'd save $3.0K/month moving to St. Louis, MO

$150.0K in your current city equals $114.2K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Baltimore-Columbia-Towson, MD area

Overall Cost

↓ 39.8%

Less expensive

Monthly Impact

$2,982

Savings

Annual Impact

$35.8K

Per year

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

Gaithersburg, MD

Population:70K

Cost Index:100

Median Home:$428K

St. Louis, MO

Population:302K

Cost Index:60

Median Home:$145K

Gaithersburg, MD

The Old Line State

70K

Population

State Tax

Yes

Located in Maryland, this city has a population of 70K 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: Gaithersburg, MD vs St. Louis, MO

Category	Gaithersburg, MD	St. Louis, MO	Difference	Change
🏠Housing	$5,311/mo	$1,871/mo	↓ $3,440less	64.8%
🚗Transportation	$1,791/mo	$1,216/mo	↓ $575less	32.1%
📦Other	$1,734/mo	$1,607/mo	↓ $127less	7.3%
🛒Groceries	$1,052/mo	$949/mo	↓ $103less	9.8%
🏥Healthcare	$616/mo	$527/mo	↓ $89.39less	14.5%
⚡All Utilities	$495/mo	$535/mo	↑ $40.14more	8.1%

🏠Housing

↓ 64.8%

Gaithersburg, MD

$5,311

St. Louis, MO

$1,871

Difference

$3,440

less

🚗Transportation

↓ 32.1%

Gaithersburg, MD

$1,791

St. Louis, MO

$1,216

Difference

$575

less

📦Other

↓ 7.3%

Gaithersburg, MD

$1,734

St. Louis, MO

$1,607

Difference

$127

less

🛒Groceries

↓ 9.8%

Gaithersburg, MD

$1,052

St. Louis, MO

$949

Difference

$103

less

🏥Healthcare

↓ 14.5%

Gaithersburg, MD

$616

St. Louis, MO

$527

Difference

$89.39

less

⚡All Utilities

↑ 8.1%

Gaithersburg, MD

$495

St. Louis, MO

$535

Difference

$40.14

🏛️ Local Income Taxes

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

Gaithersburg, MD 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$1,502

To$910

↓ $592

1 Bed

From$1,551

To$950

↓ $601

2 Bed

From$1,728

To$1,160

↓ $568

3 Bed

From$2,185

To$1,490

↓ $695

Gaithersburg, MDZIP-level data

1BR range: $1,870–$1,970/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.

$11,000

Monthly in Gaithersburg, MD

$6,705

Monthly in St. Louis, MO

$4,294

Difference

Home Values

Gaithersburg

St. Louis

$428K

Median Value

$145K

↓ -1.1%

YoY Change

↓ -0.8%

↑ +22.2%

5-Year Change

↑ +10.9%

$384K - $472K

Price Range

$38K - $302K

Homes in St. Louis are 66% less expensive than Gaithersburg

Calculate payment - Gaithersburg Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $669

More taxes

Monthly Difference

$55.75

Less take-home

Effective Rate Diff

0.4%

Rate difference

Gaithersburg, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

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

Gaithersburg, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

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.