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Cost of Living Comparison 2026

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You'd save $330/month moving to St. Louis, MO

$150.0K in your current city equals $146.0K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†“ 4.4%
Less expensive
Monthly Impact
$330
Savings
Annual Impact
$4.0K
Per year

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

Lincoln, NE

Population:295K
Cost Index:100
Median Home:$274K

St. Louis, MO

Population:302K
Cost Index:96
Median Home:$145K

Lincoln, NE

The Cornhusker State

295K
Population
State Tax
Yes

Located in Nebraska, this city has a population of 295K 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: Lincoln, NE vs St. Louis, MO

๐Ÿ Housing
โ†“ 11.1%
Lincoln, NE
$2,105
St. Louis, MO
$1,871
Difference
$234
less
๐ŸฅHealthcare
โ†“ 22.7%
Lincoln, NE
$682
St. Louis, MO
$527
Difference
$155
less
โšกAll Utilities
โ†‘ 14.0%
Lincoln, NE
$470
St. Louis, MO
$535
Difference
$65.57
more
๐Ÿ“ฆOther
โ†‘ 2.1%
Lincoln, NE
$1,574
St. Louis, MO
$1,607
Difference
$33.48
more
๐Ÿš—Transportation
โ†“ 2.2%
Lincoln, NE
$1,243
St. Louis, MO
$1,216
Difference
$27.32
less
๐Ÿ›’Groceries
โ†’ 0.0%
Lincoln, NE
$949
St. Louis, MO
$949
Difference
$0
same

๐Ÿ›๏ธ Local Income Taxes

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

Lincoln, NE has no local income tax.

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

๐Ÿ Rent Comparison

Studio
From$920
To$910
โ†“ $10.00
1 Bed
From$1,000
To$950
โ†“ $50.00
2 Bed
From$1,230
To$1,160
โ†“ $70.00
3 Bed
From$1,705
To$1,490
โ†“ $215
Lincoln, NEZIP-level data

1BR range: $820โ€“$1,350/mo

St. Louis, MOZIP-level data

1BR range: $800โ€“$1,480/mo

๐Ÿ’ก 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.

$7,022
Monthly in Lincoln, NE
$6,705
Monthly in St. Louis, MO
$317
Difference

Home Values

Lincoln
St. Louis
$274K
Median Value
$145K
โ†‘ +3.8%
YoY Change
โ†“ -0.8%
โ†‘ +36%
5-Year Change
โ†‘ +10.9%
$194K - $575K
Price Range
$38K - $302K

Homes in St. Louis are 47% less expensive than Lincoln

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $1.4K
Per year
Monthly Difference
$117
More take-home
Effective Rate Diff
0.9%
Rate difference

Lincoln, NE

Federal Income Tax
Effective: 18.9%
$25.5K
Nebraska State Tax
Effective: 6.2%
$9.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.9%
$46.3K
Take-Home Pay
$8,638/month
$103.7K

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

Lincoln, NE Tax Rates

Sales Tax:7.0%
Property Tax:1.8%

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

๐Ÿ’ก 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

Lincoln
St. Louis
41 Good
Air Quality
54 Moderate
83.7%
Good Air Days
38%
91 Moderate
Climate Risk
99 High
๐ŸŒช๐Ÿ’จ
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+3.3ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
38 days
Heat Days >95ยฐF
39 days
โ–ฒ+3.3ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
38 days
Heat Days >95ยฐF
39 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Nebraska and Missouri on TaxTakeHome.com

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