Is St. Louis, MO cheaper than Miami, FL?

Based on cost of living data, St. Louis, MO is 29.3% cheaper than Miami, FL. This translates to saving $2195 per month.

What salary do I need in St. Louis, MO to live like I do in Miami, FL?

If you earn $150,000 in Miami, FL, you'd need approximately $123,658.537 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Miami, FL and St. Louis, MO?

Housing in St. Louis, MO is 49.3% cheaper than in Miami, FL. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,660/month in Miami, FL.

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

Moving from Miami, FL to St. Louis, MO could save you approximately $2195 per month, or $26341 per year, based on a $150,000 salary.

MoveNumbers

Miami, FL

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St. Louis, MO

Cost of Living Comparison 2026

Current salary in Miami, FL

Numbers update automatically as you type

You'd save $2.2K/month moving to St. Louis, MO

$150.0K in your current city equals $123.7K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Miami-Fort Lauderdale-Pompano Beach, FL area

Overall Cost

↓ 29.3%

Less expensive

Monthly Impact

$2,195

Savings

Annual Impact

$26.3K

Per year

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

Miami, FL

Population:442K

Cost Index:100

Median Home:$510K

St. Louis, MO

Population:302K

Cost Index:71

Median Home:$145K

Miami, FL

The Sunshine State

442K

Population

State Tax

No Income Tax

Climate

Tropical

Notable Facts

•Gateway to Latin America
•Major cruise port
•International business hub

Major Industries

International TradeTourismFinanceReal Estate

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: Miami, FL vs St. Louis, MO

Category	Miami, FL	St. Louis, MO	Difference	Change
🏠Housing	$3,690/mo	$1,871/mo	↓ $1,819less	49.3%
📦Other	$2,093/mo	$1,607/mo	↓ $485less	23.2%
🚗Transportation	$1,462/mo	$1,216/mo	↓ $246less	16.8%
🛒Groceries	$1,079/mo	$949/mo	↓ $130less	12.0%
🏥Healthcare	$589/mo	$527/mo	↓ $61.96less	10.5%
⚡All Utilities	$519/mo	$535/mo	↑ $16.39more	3.2%

🏠Housing

↓ 49.3%

Miami, FL

$3,690

St. Louis, MO

$1,871

Difference

$1,819

less

📦Other

↓ 23.2%

Miami, FL

$2,093

St. Louis, MO

$1,607

Difference

$485

less

🚗Transportation

↓ 16.8%

Miami, FL

$1,462

St. Louis, MO

$1,216

Difference

$246

less

🛒Groceries

↓ 12.0%

Miami, FL

$1,079

St. Louis, MO

$949

Difference

$130

less

🏥Healthcare

↓ 10.5%

Miami, FL

$589

St. Louis, MO

$527

Difference

$61.96

less

⚡All Utilities

↑ 3.2%

Miami, FL

$519

St. Louis, MO

$535

Difference

$16.39

🏛️ Local Income Taxes

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

Miami, FL 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$1,995

To$910

↓ $1,085

1 Bed

From$2,180

To$950

↓ $1,230

2 Bed

From$2,660

To$1,160

↓ $1,500

3 Bed

From$3,415

To$1,490

↓ $1,925

Miami, FLZIP-level data

1BR range: $1,550–$2,990/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.

$9,431

Monthly in Miami, FL

$6,705

Monthly in St. Louis, MO

$2,726

Difference

Home Values

Miami

St. Louis

$510K

Median Value

$145K

↓ -3.6%

YoY Change

↓ -0.8%

↑ +49.4%

5-Year Change

↑ +10.9%

$278K - $1.53M

Price Range

$38K - $302K

Homes in St. Louis are 72% less expensive than Miami

Calculate payment - Miami 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

Miami, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

Miami, FL Tax Rates

Sales Tax:7.2%

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.