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Cost of Living Comparison 2026

๐Ÿ“ Matthews, NC โ€” COL adjusted from Charlotte, NC area + state data

$

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You'd save $247/month moving to St. Louis, MO

$150.0K in your current city equals $147.0K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from Charlotte-Concord-Gastonia, NC-SC area
Overall Cost
โ†“ 3.3%
Less expensive
Monthly Impact
$247
Savings
Annual Impact
$3.0K
Per year

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

Matthews, NC

Population:31K
Cost Index:100
Median Home:$399K

St. Louis, MO

Population:302K
Cost Index:97
Median Home:$145K

Matthews, NC

The Tar Heel State

31K
Population
State Tax
Yes

Located in North Carolina, this city has a population of 31K 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: Matthews, NC vs St. Louis, MO

๐Ÿ Housing
โ†“ 9.2%
Matthews, NC
$2,061
St. Louis, MO
$1,871
Difference
$190
less
๐Ÿš—Transportation
โ†‘ 9.0%
Matthews, NC
$1,115
St. Louis, MO
$1,216
Difference
$101
more
๐ŸฅHealthcare
โ†“ 14.3%
Matthews, NC
$615
St. Louis, MO
$527
Difference
$87.93
less
โšกAll Utilities
โ†‘ 7.1%
Matthews, NC
$500
St. Louis, MO
$535
Difference
$35.58
more
๐Ÿ“ฆOther
โ†‘ 1.5%
Matthews, NC
$1,584
St. Louis, MO
$1,607
Difference
$23.47
more
๐Ÿ›’Groceries
โ†“ 0.4%
Matthews, NC
$953
St. Louis, MO
$949
Difference
$3.40
less

๐Ÿ›๏ธ Local Income Taxes

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

Matthews, NC 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$749
To$910
โ†‘ $161
1 Bed
From$867
To$950
โ†‘ $83.00
2 Bed
From$1,064
To$1,160
โ†‘ $96.00
3 Bed
From$1,419
To$1,490
โ†‘ $71.00
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.

$6,826
Monthly in Matthews, NC
$6,705
Monthly in St. Louis, MO
$121
Difference

Home Values

Matthews
St. Louis
-
Median Value
$145K
-
YoY Change
โ†“ -0.8%
-
5-Year Change
โ†‘ +10.9%
-
Price Range
$38K - $302K

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†“ $804
More taxes
Monthly Difference
$67.00
Less take-home
Effective Rate Diff
0.5%
Rate difference

Matthews, NC

Federal Income Tax
Effective: 18.9%
$25.5K
North Carolina State Tax
Effective: 4.8%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,822/month
$105.9K

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

Matthews, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

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

Matthews
St. Louis
51 Moderate
Air Quality
54 Moderate
46.2%
Good Air Days
38%
97 High
Climate Risk
99 High
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+2.9ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
36 days
Heat Days >95ยฐF
39 days
โ–ฒ+2.9ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
36 days
Heat Days >95ยฐF
39 days

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

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