Is St. Louis, MO cheaper than Lodi, NJ?

Based on cost of living data, St. Louis, MO is 26.5% cheaper than Lodi, NJ. This translates to saving $1990 per month.

What salary do I need in St. Louis, MO to live like I do in Lodi, NJ?

If you earn $150,000 in Lodi, NJ, you'd need approximately $126,124.399 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Lodi, NJ and St. Louis, MO?

Housing in St. Louis, MO is 40.9% cheaper than in Lodi, NJ. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,771/month in Lodi, NJ.

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

Moving from Lodi, NJ to St. Louis, MO could save you approximately $1990 per month, or $23876 per year, based on a $150,000 salary.

Lodi, NJ vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Lodi, NJ — ZIP-level rent data · COL adjusted from Jersey City, NJ area

Current salary in Lodi, NJ

Numbers update automatically as you type

You'd save $2.0K/month moving to St. Louis, MO

$150.0K in your current city equals $126.1K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 26.5%

Less expensive

Monthly Impact

$1,990

Savings

Annual Impact

$23.9K

Per year

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

Lodi, NJ

Population:26K

Cost Index:100

Median Home:$605K

St. Louis, MO

Population:302K

Cost Index:73

Median Home:$145K

Lodi, NJ

The Garden State

26K

Population

State Tax

Yes

Located in New Jersey, 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: Lodi, NJ vs St. Louis, MO

Category	Lodi, NJ	St. Louis, MO	Difference	Change
🏠Housing	$3,168/mo	$1,871/mo	↓ $1,297less	40.9%
📦Other	$1,919/mo	$1,607/mo	↓ $312less	16.2%
🚗Transportation	$1,514/mo	$1,216/mo	↓ $298less	19.7%
🏥Healthcare	$669/mo	$527/mo	↓ $143less	21.3%
🛒Groceries	$1,070/mo	$949/mo	↓ $121less	11.3%
⚡All Utilities	$580/mo	$535/mo	↓ $44.20less	7.6%

🏠Housing

↓ 40.9%

Lodi, NJ

$3,168

St. Louis, MO

$1,871

Difference

$1,297

less

📦Other

↓ 16.2%

Lodi, NJ

$1,919

St. Louis, MO

$1,607

Difference

$312

less

🚗Transportation

↓ 19.7%

Lodi, NJ

$1,514

St. Louis, MO

$1,216

Difference

$298

less

🏥Healthcare

↓ 21.3%

Lodi, NJ

$669

St. Louis, MO

$527

Difference

$143

less

🛒Groceries

↓ 11.3%

Lodi, NJ

$1,070

St. Louis, MO

$949

Difference

$121

less

⚡All Utilities

↓ 7.6%

Lodi, NJ

$580

St. Louis, MO

$535

Difference

$44.20

less

🏛️ Local Income Taxes

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

Lodi, NJ 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$1,353

To$910

↓ $443

1 Bed

From$1,546

To$950

↓ $596

2 Bed

From$1,771

To$1,160

↓ $611

3 Bed

From$2,158

To$1,490

↓ $668

Lodi, NJZIP-level data

1BR range: $1,920–$1,920/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.

$8,920

Monthly in Lodi, NJ

$6,705

Monthly in St. Louis, MO

$2,215

Difference

Home Values

Lodi

St. Louis

$605K

Median Value

$145K

↑ +4.6%

YoY Change

↓ -0.8%

↑ +37.6%

5-Year Change

↑ +10.9%

$605K

Price Range

$38K - $302K

Homes in St. Louis are 76% less expensive than Lodi

Calculate payment - Lodi Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $499

More taxes

Monthly Difference

$41.54

Less take-home

Effective Rate Diff

0.3%

Rate difference

Lodi, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Lodi, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.