Is St. Louis, MO cheaper than Hempstead, NY?

Based on cost of living data, St. Louis, MO is 42.0% cheaper than Hempstead, NY. This translates to saving $3147 per month.

What salary do I need in St. Louis, MO to live like I do in Hempstead, NY?

If you earn $150,000 in Hempstead, NY, you'd need approximately $112,238.128 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Hempstead, NY and St. Louis, MO?

Housing in St. Louis, MO is 69.5% cheaper than in Hempstead, NY. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,805/month in Hempstead, NY.

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

Moving from Hempstead, NY to St. Louis, MO could save you approximately $3147 per month, or $37762 per year, based on a $150,000 salary.

Hempstead, NY vs St. Louis, MO: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Hempstead, NY — ZIP-level rent data · COL adjusted from New York, NY area

Current salary in Hempstead, NY

Numbers update automatically as you type

You'd save $3.1K/month moving to St. Louis, MO

$150.0K in your current city equals $112.2K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 42.0%

Less expensive

Monthly Impact

$3,147

Savings

Annual Impact

$37.8K

Per year

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

Hempstead, NY

Population:58K

Cost Index:100

Median Home:$625K

St. Louis, MO

Population:302K

Cost Index:58

Median Home:$145K

Hempstead, NY

The Empire State

58K

Population

State Tax

Yes

Located in New York, this city has a population of 58K 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: Hempstead, NY vs St. Louis, MO

Category	Hempstead, NY	St. Louis, MO	Difference	Change
🏠Housing	$6,141/mo	$1,871/mo	↓ $4,270less	69.5%
🚗Transportation	$1,430/mo	$1,216/mo	↓ $214less	15.0%
📦Other	$1,815/mo	$1,607/mo	↓ $208less	11.4%
🛒Groceries	$1,101/mo	$949/mo	↓ $151less	13.7%
🏥Healthcare	$650/mo	$527/mo	↓ $123less	18.9%
⚡All Utilities	$567/mo	$535/mo	↓ $31.22less	5.5%

🏠Housing

↓ 69.5%

Hempstead, NY

$6,141

St. Louis, MO

$1,871

Difference

$4,270

less

🚗Transportation

↓ 15.0%

Hempstead, NY

$1,430

St. Louis, MO

$1,216

Difference

$214

less

📦Other

↓ 11.4%

Hempstead, NY

$1,815

St. Louis, MO

$1,607

Difference

$208

less

🛒Groceries

↓ 13.7%

Hempstead, NY

$1,101

St. Louis, MO

$949

Difference

$151

less

🏥Healthcare

↓ 18.9%

Hempstead, NY

$650

St. Louis, MO

$527

Difference

$123

less

⚡All Utilities

↓ 5.5%

Hempstead, NY

$567

St. Louis, MO

$535

Difference

$31.22

less

🏛️ Local Income Taxes

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

Hempstead, NY 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$1,312

To$910

↓ $402

1 Bed

From$1,562

To$950

↓ $612

2 Bed

From$1,805

To$1,160

↓ $645

3 Bed

From$2,343

To$1,490

↓ $853

Hempstead, NYZIP-level data

1BR range: $2,060–$2,060/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.

$11,702

Monthly in Hempstead, NY

$6,705

Monthly in St. Louis, MO

$4,997

Difference

Home Values

Hempstead

St. Louis

$625K

Median Value

$145K

↑ +3.8%

YoY Change

↓ -0.8%

↑ +39.5%

5-Year Change

↑ +10.9%

$625K

Price Range

$38K - $302K

Homes in St. Louis are 77% less expensive than Hempstead

Calculate payment - Hempstead Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.6K

Per year

Monthly Difference

$135

More take-home

Effective Rate Diff

1.1%

Rate difference

Hempstead, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Hempstead, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.