Is St. Louis, MO cheaper than Harrisburg, PA?

Based on cost of living data, St. Louis, MO is 8.1% cheaper than Harrisburg, PA. This translates to saving $610 per month.

What salary do I need in St. Louis, MO to live like I do in Harrisburg, PA?

If you earn $150,000 in Harrisburg, PA, you'd need approximately $142,681.895 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Harrisburg, PA and St. Louis, MO?

Housing in St. Louis, MO is 25.4% cheaper than in Harrisburg, PA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,063/month in Harrisburg, PA.

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

Moving from Harrisburg, PA to St. Louis, MO could save you approximately $610 per month, or $7318 per year, based on a $150,000 salary.

Harrisburg, PA vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Harrisburg, PA — ZIP-level rent data · COL adjusted from Baltimore, MD area

Current salary in Harrisburg, PA

Numbers update automatically as you type

You'd save $610/month moving to St. Louis, MO

$150.0K in your current city equals $142.7K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 8.1%

Less expensive

Monthly Impact

$610

Savings

Annual Impact

$7.3K

Per year

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

Harrisburg, PA

Population:50K

Cost Index:100

Median Home:$214K

St. Louis, MO

Population:302K

Cost Index:92

Median Home:$145K

Harrisburg, PA

The Keystone State

50K

Population

State Tax

Yes

Located in Pennsylvania, this city has a population of 50K 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: Harrisburg, PA vs St. Louis, MO

Category	Harrisburg, PA	St. Louis, MO	Difference	Change
🏠Housing	$2,507/mo	$1,871/mo	↓ $636less	25.4%
📦Other	$1,525/mo	$1,607/mo	↑ $81.58more	5.3%
🛒Groceries	$1,029/mo	$949/mo	↓ $80.21less	7.8%
⚡All Utilities	$573/mo	$535/mo	↓ $37.80less	6.6%
🏥Healthcare	$556/mo	$527/mo	↓ $29.70less	5.3%
🚗Transportation	$1,233/mo	$1,216/mo	↓ $16.85less	1.4%

🏠Housing

↓ 25.4%

Harrisburg, PA

$2,507

St. Louis, MO

$1,871

Difference

$636

less

📦Other

↑ 5.3%

Harrisburg, PA

$1,525

St. Louis, MO

$1,607

Difference

$81.58

🛒Groceries

↓ 7.8%

Harrisburg, PA

$1,029

St. Louis, MO

$949

Difference

$80.21

less

⚡All Utilities

↓ 6.6%

Harrisburg, PA

$573

St. Louis, MO

$535

Difference

$37.80

less

🏥Healthcare

↓ 5.3%

Harrisburg, PA

$556

St. Louis, MO

$527

Difference

$29.70

less

🚗Transportation

↓ 1.4%

Harrisburg, PA

$1,233

St. Louis, MO

$1,216

Difference

$16.85

less

🏛️ Local Income Taxes

Harrisburg, PA: Harrisburg Earned Income Tax$4,350/yr (2.9%)

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

Net difference-$2,850/yr

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

🏠Rent Comparison

Studio

From$752

To$910

↑ $158

1 Bed

From$866

To$950

↑ $84.00

2 Bed

From$1,063

To$1,160

↑ $97.00

3 Bed

From$1,367

To$1,490

↑ $123

Harrisburg, PAZIP-level data

1BR range: $1,020–$1,420/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.

$7,425

Monthly in Harrisburg, PA

$6,705

Monthly in St. Louis, MO

$719

Difference

Home Values

Harrisburg

St. Louis

$214K

Median Value

$145K

↑ +2.4%

YoY Change

↓ -0.8%

↑ +38.4%

5-Year Change

↑ +10.9%

$126K - $348K

Price Range

$38K - $302K

Homes in St. Louis are 33% less expensive than Harrisburg

Calculate payment - Harrisburg Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $3.3K

More taxes

Monthly Difference

$277

Less take-home

Effective Rate Diff

2.2%

Rate difference

Harrisburg, PA

Federal Income Tax

Effective: 18.9%

$25.5K

Pennsylvania State Tax

Effective: 3.1%

$4.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.7%

$41.6K

Take-Home Pay

$9,032/month

$108.4K

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

Harrisburg, PA Tax Rates

Sales Tax:6.5%

Property Tax:1.4%

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.