Missouri Valley, IA vs Owensville, MO: Cost of Living

Which city costs less?

Owensville, MO has a modeled overall cost index 4.7% lower than Missouri Valley, IA.

Missouri Valley, IA · modeled 2BR rent
$1,040 / month
Owensville, MO · modeled 2BR rent
$990 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Missouri Valley, IA and Owensville, MO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated savings: $395/month in Owensville, MO

$150,000 in your current city has a modeled equivalent of $145,260 in Owensville, MO

Regional cost estimates: Missouri Valley, IA uses Omaha, NE. Owensville, MO uses St. Louis, MO. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 4.7%
Less expensive
Monthly Impact
$395
Savings
Annual Impact
$4.7K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Missouri Valley, IA

Population:3K
Cost Index:
80.7
100 = national average
Typical Home:$218K

Owensville, MO

Population:3K
Cost Index:
76.9
100 = national average
Typical Home:$217K

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Missouri Valley, IA

The Hawkeye State

3K
Population
State Tax
Yes

Located in Iowa, this city has a population of 3K residents.

Owensville, MO

The Show-Me State

3K
Population
State Tax
Yes

Located in Missouri, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Missouri Valley, IA vs Owensville, MO

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↓ 11.4%
Missouri Valley, IA
$2,032
Owensville, MO
$1,800
Difference
$232
less
Healthcare
↓ 22.9%
Missouri Valley, IA
$776
Owensville, MO
$599
Difference
$177
less
All Utilities
↑ 13.8%
Missouri Valley, IA
$535
Owensville, MO
$609
Difference
$73.65
more
Transportation
↓ 2.5%
Missouri Valley, IA
$1,333
Owensville, MO
$1,300
Difference
$33.71
less
Other
↓ 1.4%
Missouri Valley, IA
$1,742
Owensville, MO
$1,718
Difference
$23.78
less
Groceries
↓ 0.2%
Missouri Valley, IA
$1,081
Owensville, MO
$1,079
Difference
$1.83
less

🏠Rent Comparison

Studio
From$830
To$760
↓ $70.00
1 Bed
From$870
To$800
↓ $70.00
2 Bed
From$1,040
To$990
↓ $50.00
3 Bed
From$1,380
To$1,270
↓ $110
Missouri Valley, IAZIP-level data

1BR range: $870–$870/mo

Owensville, MOZIP-level data

1BR range: $800–$800/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Missouri Valley, IA
$7,105
Monthly in Owensville, MO
$395
Difference

Home Values

Missouri Valley
Owensville
$218K
Median Value
$217K
↑ +5.7%
YoY Change
↑ +2%
↑ +20%
5-Year Change
↑ +49.4%
Calculate payment - Missouri ValleyCalculate payment - Owensville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.8K
Per year
Monthly Difference
$231
More take-home
Effective Rate Diff
1.8%
Rate difference

Missouri Valley, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

Owensville, 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

Missouri Valley, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

Owensville, 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.

Environment

Missouri Valley
Owensville
45 Good
Air Quality
54 Moderate
63.7%
Good Air Days
38%
96 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🫨
▲+3.4°F
2050 Outlook
▲+3.0°F
35 days
Heat Days >95°F
39 days
▲+3.4°F
2050 Outlook
▲+3.0°F
35 days
Heat Days >95°F
39 days

Before moving from Missouri Valley, IA to Owensville, MO

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Owensville, MO for the same bedroom count and included utilities as your home in Missouri Valley, IA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Missouri Valley to Owensville moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Owensville, MO by cost, housing, population and region.

Frequently Asked Questions: Missouri Valley, IA vs Owensville, MO

How do the cost estimates for Missouri Valley, IA and Owensville, MO compare?

Owensville, MO has a modeled overall cost index 4.7% lower than Missouri Valley, IA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Missouri Valley, IA, the model estimates $145,260 in Owensville, MO. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Missouri Valley, IA and Owensville, MO?

The modeled two-bedroom rents are $1,040/month in Missouri Valley, IA and $990/month in Owensville, MO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Iowa and Missouri on TaxTakeHome.com

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