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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

Indianapolis, IN and St. Louis, MO have similar living costs

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

Rent data from HUD ZIP-level estimates · COL index from Indianapolis-Carmel-Anderson, IN area
Overall Cost
0.0%
Same cost
Monthly Impact
$0
No change
Annual Impact
$0
Per year

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

Indianapolis, IN

Population:888K
Cost Index:
100
100 = national average
Median Home:$176K

St. Louis, MO

Population:302K
Cost Index:
100
(national average)
Median Home:$145K

Indianapolis, IN

The Hoosier State

888K
Population
State Tax
Yes

Located in Indiana, this city has a population of 888K 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: Indianapolis, IN vs St. Louis, MO

Housing
4.0%
Indianapolis, IN
$1,949
St. Louis, MO
$1,871
Difference
$77.96
less
Healthcare
9.6%
Indianapolis, IN
$582
St. Louis, MO
$527
Difference
$55.76
less
All Utilities
6.5%
Indianapolis, IN
$503
St. Louis, MO
$535
Difference
$32.79
more
Groceries
3.3%
Indianapolis, IN
$919
St. Louis, MO
$949
Difference
$29.98
more
Transportation
2.3%
Indianapolis, IN
$1,188
St. Louis, MO
$1,216
Difference
$27.32
more
Other
1.1%
Indianapolis, IN
$1,590
St. Louis, MO
$1,607
Difference
$16.74
more

🏛️ Local Income Taxes

Indianapolis, IN: Marion County Income Tax$3,030/yr (2.0%)
St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)
Net difference-$1,530/yr

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

🏠Rent Comparison

Studio
From$1,030
To$910
$120
1 Bed
From$1,170
To$950
$220
2 Bed
From$1,360
To$1,160
$200
3 Bed
From$1,760
To$1,490
$270
Indianapolis, INZIP-level data

1BR range: $1,080$1,870/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.

$6,732
Monthly in Indianapolis, IN
$6,705
Monthly in St. Louis, MO
$26.90
Difference

Home Values

Indianapolis
St. Louis
$176K
Median Value
$145K
↓ -1.1%
YoY Change
↓ -0.8%
↑ +26.9%
5-Year Change
↑ +10.9%
$109K - $340K
Price Range
$38K - $302K

Homes in St. Louis are 18% less expensive than Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$3.1K
More taxes
Monthly Difference
$257
Less take-home
Effective Rate Diff
2.1%
Rate difference

Indianapolis, IN

Federal Income Tax
Effective: 18.9%
$25.5K
Indiana State Tax
Effective: 3.2%
$4.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.9%
$41.9K
Take-Home Pay
$9,012/month
$108.1K

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

Indianapolis, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

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.

Environment

Indianapolis
St. Louis
54 Moderate
Air Quality
54 Moderate
36.6%
Good Air Days
38%
97 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🫨
+3.1°F
2050 Outlook
+3.0°F
18 days
Heat Days >95°F
39 days
+3.1°F
2050 Outlook
+3.0°F
18 days
Heat Days >95°F
39 days

💰 See how taxes change too — compare take-home pay between Indiana and Missouri on TaxTakeHome.com

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