Is St. Louis, MO cheaper than Little Elm, TX?

Based on cost of living data, St. Louis, MO is 15.0% cheaper than Little Elm, TX. This translates to saving $1125 per month.

What salary do I need in St. Louis, MO to live like I do in Little Elm, TX?

If you earn $150,000 in Little Elm, TX, you'd need approximately $136,501.373 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Little Elm, TX and St. Louis, MO?

Housing in St. Louis, MO is 18.8% cheaper than in Little Elm, TX. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,313/month in Little Elm, TX.

How much can I save per month by moving from Little Elm, TX to St. Louis, MO?

Moving from Little Elm, TX to St. Louis, MO could save you approximately $1125 per month, or $13499 per year, based on a $150,000 salary.

Little Elm, TX vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Little Elm, TX — COL adjusted from Plano, TX area + state data

Current salary in Little Elm, TX

Numbers update automatically as you type

You'd save $1.1K/month moving to St. Louis, MO

$150.0K in your current city equals $136.5K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↓ 15.0%

Less expensive

Monthly Impact

$1,125

Savings

Annual Impact

$13.5K

Per year

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

Little Elm, TX

Population:58K

Cost Index:100

Median Home:$496K

St. Louis, MO

Population:302K

Cost Index:85

Median Home:$145K

Little Elm, TX

The Lone Star State

58K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 58K residents.

💡 Advantage: Texas has no state income tax!

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: Little Elm, TX vs St. Louis, MO

Category	Little Elm, TX	St. Louis, MO	Difference	Change
🏠Housing	$2,304/mo	$1,871/mo	↓ $432less	18.8%
📦Other	$1,859/mo	$1,607/mo	↓ $252less	13.5%
🏥Healthcare	$621/mo	$527/mo	↓ $94.36less	15.2%
🚗Transportation	$1,253/mo	$1,216/mo	↓ $37.29less	3.0%
⚡All Utilities	$553/mo	$535/mo	↓ $17.55less	3.2%
🛒Groceries	$962/mo	$949/mo	↓ $12.98less	1.3%

🏠Housing

↓ 18.8%

Little Elm, TX

$2,304

St. Louis, MO

$1,871

Difference

$432

less

📦Other

↓ 13.5%

Little Elm, TX

$1,859

St. Louis, MO

$1,607

Difference

$252

less

🏥Healthcare

↓ 15.2%

Little Elm, TX

$621

St. Louis, MO

$527

Difference

$94.36

less

🚗Transportation

↓ 3.0%

Little Elm, TX

$1,253

St. Louis, MO

$1,216

Difference

$37.29

less

⚡All Utilities

↓ 3.2%

Little Elm, TX

$553

St. Louis, MO

$535

Difference

$17.55

less

🛒Groceries

↓ 1.3%

Little Elm, TX

$962

St. Louis, MO

$949

Difference

$12.98

less

🏛️ Local Income Taxes

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

Little Elm, TX 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$903

To$910

↑ $7.00

1 Bed

From$1,067

To$950

↓ $117

2 Bed

From$1,313

To$1,160

↓ $153

3 Bed

From$1,806

To$1,490

↓ $316

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.

$7,552

Monthly in Little Elm, TX

$6,705

Monthly in St. Louis, MO

$846

Difference

Home Values

Little Elm

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

↓ $7.9K

More taxes

Monthly Difference

$661

Less take-home

Effective Rate Diff

5.3%

Rate difference

Little Elm, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

Little Elm, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.