Is St. Louis, MO cheaper than Los Gatos, CA?

Based on cost of living data, St. Louis, MO is 53.2% cheaper than Los Gatos, CA. This translates to saving $3991 per month.

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

If you earn $150,000 in Los Gatos, CA, you'd need approximately $102,108.385 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Los Gatos, CA and St. Louis, MO?

Housing in St. Louis, MO is 76.8% cheaper than in Los Gatos, CA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,965/month in Los Gatos, CA.

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

Moving from Los Gatos, CA to St. Louis, MO could save you approximately $3991 per month, or $47892 per year, based on a $150,000 salary.

Los Gatos, CA vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Los Gatos, CA — ZIP-level rent data · COL adjusted from San Jose, CA area

Current salary in Los Gatos, CA

Numbers update automatically as you type

You'd save $4.0K/month moving to St. Louis, MO

$150.0K in your current city equals $102.1K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 53.2%

Less expensive

Monthly Impact

$3,991

Savings

Annual Impact

$47.9K

Per year

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

Los Gatos, CA

Population:32K

Cost Index:100

Median Home:$2.52M

St. Louis, MO

Population:302K

Cost Index:47

Median Home:$145K

Los Gatos, CA

The Golden State

32K

Population

State Tax

Yes

Located in California, this city has a population of 32K 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: Los Gatos, CA vs St. Louis, MO

Category	Los Gatos, CA	St. Louis, MO	Difference	Change
🏠Housing	$8,049/mo	$1,871/mo	↓ $6,178less	76.8%
🏥Healthcare	$679/mo	$527/mo	↓ $153less	22.5%
🛒Groceries	$1,086/mo	$949/mo	↓ $137less	12.6%
⚡All Utilities	$447/mo	$535/mo	↑ $88.76more	19.9%
🚗Transportation	$1,302/mo	$1,216/mo	↓ $85.88less	6.6%
📦Other	$1,688/mo	$1,607/mo	↓ $80.99less	4.8%

🏠Housing

↓ 76.8%

Los Gatos, CA

$8,049

St. Louis, MO

$1,871

Difference

$6,178

less

🏥Healthcare

↓ 22.5%

Los Gatos, CA

$679

St. Louis, MO

$527

Difference

$153

less

🛒Groceries

↓ 12.6%

Los Gatos, CA

$1,086

St. Louis, MO

$949

Difference

$137

less

⚡All Utilities

↑ 19.9%

Los Gatos, CA

$447

St. Louis, MO

$535

Difference

$88.76

🚗Transportation

↓ 6.6%

Los Gatos, CA

$1,302

St. Louis, MO

$1,216

Difference

$85.88

less

📦Other

↓ 4.8%

Los Gatos, CA

$1,688

St. Louis, MO

$1,607

Difference

$80.99

less

🏛️ Local Income Taxes

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

Los Gatos, 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$2,233

To$910

↓ $1,323

1 Bed

From$2,540

To$950

↓ $1,590

2 Bed

From$2,965

To$1,160

↓ $1,805

3 Bed

From$3,916

To$1,490

↓ $2,426

Los Gatos, CAZIP-level data

1BR range: $3,230–$3,230/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.

$13,251

Monthly in Los Gatos, CA

$6,705

Monthly in St. Louis, MO

$6,546

Difference

Home Values

Los Gatos

St. Louis

$2.52M

Median Value

$145K

↑ +0.5%

YoY Change

↓ -0.8%

↑ +41.7%

5-Year Change

↑ +10.9%

$2.52M

Price Range

$38K - $302K

Homes in St. Louis are 94% less expensive than Los Gatos

Calculate payment - Los Gatos 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

Los Gatos, 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

Los Gatos, 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.