Is St. Louis, MO cheaper than Ladera Ranch, CA?

Based on cost of living data, St. Louis, MO is 49.2% cheaper than Ladera Ranch, CA. This translates to saving $3691 per month.

What salary do I need in St. Louis, MO to live like I do in Ladera Ranch, CA?

If you earn $150,000 in Ladera Ranch, CA, you'd need approximately $105,705.559 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Ladera Ranch, CA and St. Louis, MO?

Housing in St. Louis, MO is 70.9% cheaper than in Ladera Ranch, CA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,655/month in Ladera Ranch, CA.

How much can I save per month by moving from Ladera Ranch, CA to St. Louis, MO?

Moving from Ladera Ranch, CA to St. Louis, MO could save you approximately $3691 per month, or $44294 per year, based on a $150,000 salary.

Ladera Ranch, CA vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Ladera Ranch, CA — COL adjusted from Irvine, CA area + state data

Current salary in Ladera Ranch, CA

Numbers update automatically as you type

You'd save $3.7K/month moving to St. Louis, MO

$150.0K in your current city equals $105.7K in St. Louis, MO

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

Overall Cost

↓ 49.2%

Less expensive

Monthly Impact

$3,691

Savings

Annual Impact

$44.3K

Per year

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

Ladera Ranch, CA

Population:26K

Cost Index:100

St. Louis, MO

Population:302K

Cost Index:51

Median Home:$145K

Ladera Ranch, CA

The Golden State

26K

Population

State Tax

Yes

Located in California, this city has a population of 26K 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: Ladera Ranch, CA vs St. Louis, MO

Category	Ladera Ranch, CA	St. Louis, MO	Difference	Change
🏠Housing	$6,420/mo	$1,871/mo	↓ $4,549less	70.9%
🚗Transportation	$2,043/mo	$1,216/mo	↓ $827less	40.5%
🛒Groceries	$1,011/mo	$949/mo	↓ $61.74less	6.1%
📦Other	$1,632/mo	$1,607/mo	↓ $24.91less	1.5%
🏥Healthcare	$536/mo	$527/mo	↓ $9.83less	1.8%
⚡All Utilities	$542/mo	$535/mo	↓ $6.74less	1.2%

🏠Housing

↓ 70.9%

Ladera Ranch, CA

$6,420

St. Louis, MO

$1,871

Difference

$4,549

less

🚗Transportation

↓ 40.5%

Ladera Ranch, CA

$2,043

St. Louis, MO

$1,216

Difference

$827

less

🛒Groceries

↓ 6.1%

Ladera Ranch, CA

$1,011

St. Louis, MO

$949

Difference

$61.74

less

📦Other

↓ 1.5%

Ladera Ranch, CA

$1,632

St. Louis, MO

$1,607

Difference

$24.91

less

🏥Healthcare

↓ 1.8%

Ladera Ranch, CA

$536

St. Louis, MO

$527

Difference

$9.83

less

⚡All Utilities

↓ 1.2%

Ladera Ranch, CA

$542

St. Louis, MO

$535

Difference

$6.74

less

🏛️ Local Income Taxes

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

Ladera Ranch, CA 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$1,770

To$910

↓ $860

1 Bed

From$2,092

To$950

↓ $1,142

2 Bed

From$2,655

To$1,160

↓ $1,495

3 Bed

From$3,862

To$1,490

↓ $2,372

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.

$12,184

Monthly in Ladera Ranch, CA

$6,705

Monthly in St. Louis, MO

$5,479

Difference

Home Values

Ladera Ranch

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

↑ $2.7K

Per year

Monthly Difference

$225

More take-home

Effective Rate Diff

1.8%

Rate difference

Ladera Ranch, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Ladera Ranch, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

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.