Is St. Louis, MO cheaper than Hilo, HI?

Based on cost of living data, St. Louis, MO is 26.4% cheaper than Hilo, HI. This translates to saving $1980 per month.

What salary do I need in St. Louis, MO to live like I do in Hilo, HI?

If you earn $150,000 in Hilo, HI, you'd need approximately $126,244.598 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Hilo, HI and St. Louis, MO?

Housing in St. Louis, MO is 56.2% cheaper than in Hilo, HI. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,510/month in Hilo, HI.

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

Moving from Hilo, HI to St. Louis, MO could save you approximately $1980 per month, or $23755 per year, based on a $150,000 salary.

Hilo, HI vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Hilo, HI — COL adjusted from Honolulu, HI area + state data

Current salary in Hilo, HI

Numbers update automatically as you type

You'd save $2.0K/month moving to St. Louis, MO

$150.0K in your current city equals $126.2K in St. Louis, MO

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

Overall Cost

↓ 26.4%

Less expensive

Monthly Impact

$1,980

Savings

Annual Impact

$23.8K

Per year

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

Hilo, HI

Population:44K

Cost Index:100

Median Home:$657K

St. Louis, MO

Population:302K

Cost Index:74

Median Home:$145K

Hilo, HI

The Aloha State

44K

Population

State Tax

Yes

Located in Hawaii, this city has a population of 44K 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: Hilo, HI vs St. Louis, MO

Category	Hilo, HI	St. Louis, MO	Difference	Change
🏠Housing	$4,268/mo	$1,871/mo	↓ $2,397less	56.2%
📦Other	$1,189/mo	$1,607/mo	↑ $418more	35.1%
🛒Groceries	$1,306/mo	$949/mo	↓ $357less	27.3%
⚡All Utilities	$723/mo	$535/mo	↓ $187less	25.9%
🚗Transportation	$1,121/mo	$1,216/mo	↑ $94.73more	8.5%
🏥Healthcare	$553/mo	$527/mo	↓ $26.11less	4.7%

🏠Housing

↓ 56.2%

Hilo, HI

$4,268

St. Louis, MO

$1,871

Difference

$2,397

less

📦Other

↑ 35.1%

Hilo, HI

$1,189

St. Louis, MO

$1,607

Difference

$418

🛒Groceries

↓ 27.3%

Hilo, HI

$1,306

St. Louis, MO

$949

Difference

$357

less

⚡All Utilities

↓ 25.9%

Hilo, HI

$723

St. Louis, MO

$535

Difference

$187

less

🚗Transportation

↑ 8.5%

Hilo, HI

$1,121

St. Louis, MO

$1,216

Difference

$94.73

🏥Healthcare

↓ 4.7%

Hilo, HI

$553

St. Louis, MO

$527

Difference

$26.11

less

🏛️ Local Income Taxes

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

Hilo, HI 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$963

To$910

↓ $53.00

1 Bed

From$1,145

To$950

↓ $195

2 Bed

From$1,510

To$1,160

↓ $350

3 Bed

From$2,186

To$1,490

↓ $696

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.

$9,160

Monthly in Hilo, HI

$6,705

Monthly in St. Louis, MO

$2,455

Difference

Home Values

Hilo

St. Louis

Median Value

$145K

YoY Change

↓ -0.8%

5-Year Change

↑ +10.9%

Price Range

$38K - $302K

Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.7K

Per year

Monthly Difference

$308

More take-home

Effective Rate Diff

2.5%

Rate difference

Hilo, HI

Federal Income Tax

Effective: 18.9%

$25.5K

Hawaii State Tax

Effective: 7.8%

$11.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 32.4%

$48.6K

Take-Home Pay

$8,446/month

$101.4K

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

Hilo, HI Tax Rates

Sales Tax:4.5%

Property Tax:0.3%

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.