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

Based on cost of living data, St. Louis, MO is 54.9% cheaper than Honolulu, HI. This translates to saving $4119 per month.

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

If you earn $150,000 in Honolulu, HI, you'd need approximately $100,569.948 in St. Louis, MO to maintain the same standard of living.

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

Housing in St. Louis, MO is 75.8% cheaper than in Honolulu, HI. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,510/month in Honolulu, HI.

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

Moving from Honolulu, HI to St. Louis, MO could save you approximately $4119 per month, or $49430 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

Current salary in Honolulu, HI

Numbers update automatically as you type

You'd save $4.1K/month moving to St. Louis, MO

$150.0K in your current city equals $100.6K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Urban Honolulu, HI area

Overall Cost

↓ 54.9%

Less expensive

Monthly Impact

$4,119

Savings

Annual Impact

$49.4K

Per year

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

Honolulu, HI

Population:351K

Cost Index:100

Median Home:$657K

St. Louis, MO

Population:302K

Cost Index:45

Median Home:$145K

Honolulu, HI

The Aloha State

351K

Population

State Tax

Yes

Located in Hawaii, this city has a population of 351K 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: Honolulu, HI vs St. Louis, MO

Category	Honolulu, HI	St. Louis, MO	Difference	Change
🏠Housing	$7,744/mo	$1,871/mo	↓ $5,873less	75.8%
🛒Groceries	$1,669/mo	$949/mo	↓ $719less	43.1%
🚗Transportation	$1,830/mo	$1,216/mo	↓ $615less	33.6%
⚡All Utilities	$923/mo	$535/mo	↓ $388less	42.0%
📦Other	$1,942/mo	$1,607/mo	↓ $335less	17.2%
🏥Healthcare	$706/mo	$527/mo	↓ $180less	25.4%

🏠Housing

↓ 75.8%

Honolulu, HI

$7,744

St. Louis, MO

$1,871

Difference

$5,873

less

🛒Groceries

↓ 43.1%

Honolulu, HI

$1,669

St. Louis, MO

$949

Difference

$719

less

🚗Transportation

↓ 33.6%

Honolulu, HI

$1,830

St. Louis, MO

$1,216

Difference

$615

less

⚡All Utilities

↓ 42.0%

Honolulu, HI

$923

St. Louis, MO

$535

Difference

$388

less

📦Other

↓ 17.2%

Honolulu, HI

$1,942

St. Louis, MO

$1,607

Difference

$335

less

🏥Healthcare

↓ 25.4%

Honolulu, HI

$706

St. Louis, MO

$527

Difference

$180

less

🏛️ Local Income Taxes

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

Honolulu, 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$1,780

To$910

↓ $870

1 Bed

From$1,920

To$950

↓ $970

2 Bed

From$2,510

To$1,160

↓ $1,350

3 Bed

From$3,490

To$1,490

↓ $2,000

Honolulu, HIZIP-level data

1BR range: $1,660–$3,020/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.

$14,815

Monthly in Honolulu, HI

$6,705

Monthly in St. Louis, MO

$8,110

Difference

Home Values

Honolulu

St. Louis

$657K

Median Value

$145K

↓ -1.4%

YoY Change

↓ -0.8%

↑ +13.5%

5-Year Change

↑ +10.9%

$472K - $1.77M

Price Range

$38K - $302K

Homes in St. Louis are 78% less expensive than Honolulu

Calculate payment - Honolulu 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

Honolulu, 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

Honolulu, 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.