Monroe City, MO vs Willow Springs, MO: Cost of Living

Which city costs less?

Willow Springs, MO has a modeled overall cost index 5.9% lower than Monroe City, MO.

Monroe City, MO · modeled 2BR rent
$890 / month
Willow Springs, MO · modeled 2BR rent
$890 / 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 Monroe City, MO and Willow Springs, 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: $371/month in Willow Springs, MO

$150,000 in your current city has a modeled equivalent of $145,543 in Willow Springs, MO

Regional cost estimates: Monroe City, MO uses St. Louis, MO. Willow Springs, MO uses St. Louis, MO. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 5.9%
Less expensive
Monthly Impact
$371
Savings
Annual Impact
$4.5K
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.

Monroe City, MO

Population:3K
Cost Index:
73.9
100 = national average
Typical Home:$187K

Willow Springs, MO

Population:2K
Cost Index:
69.6
100 = national average
Typical Home:$192K

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Monroe City, MO

The Show-Me State

3K
Population
State Tax
Yes

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

Willow Springs, MO

The Show-Me State

2K
Population
State Tax
Yes

Located in Missouri, this city has a population of 2K residents.

Cost Breakdown by Category

Estimated monthly spending: Monroe City, MO vs Willow Springs, 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
↓ 5.9%
Monroe City, MO
$1,888
Willow Springs, MO
$1,777
Difference
$111
less
Other
↓ 5.9%
Monroe City, MO
$1,802
Willow Springs, MO
$1,696
Difference
$106
less
Transportation
↓ 5.9%
Monroe City, MO
$1,363
Willow Springs, MO
$1,283
Difference
$80.43
less
Groceries
↓ 3.0%
Monroe City, MO
$1,155
Willow Springs, MO
$1,120
Difference
$34.59
less
All Utilities
↓ 3.0%
Monroe City, MO
$651
Willow Springs, MO
$632
Difference
$19.51
less
Healthcare
↓ 3.0%
Monroe City, MO
$641
Willow Springs, MO
$621
Difference
$19.19
less

🏠Rent Comparison

Studio
From$660
To$610
↓ $50.00
1 Bed
From$680
To$680
→ $0
2 Bed
From$890
To$890
→ $0
3 Bed
From$1,100
To$1,220
↑ $120
Monroe City, MOZIP-level data

1BR range: $680–$680/mo

Willow Springs, MOZIP-level data

1BR range: $680–$680/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 Monroe City, MO
$7,129
Monthly in Willow Springs, MO
$371
Difference

Home Values

Monroe City
Willow Springs
$187K
Median Value
$192K
↑ +11.7%
YoY Change
↑ +7.5%
↑ +49.3%
5-Year Change
↑ +57.8%

Homes in Willow Springs are 3% more expensive than Monroe City

Calculate payment - Monroe CityCalculate payment - Willow Springs

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Monroe City, 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

Willow Springs, 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

Monroe City, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Willow Springs, 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

Monroe City
Willow Springs
54 Moderate
Air Quality
54 Moderate
38%
Good Air Days
38%
99 High
Climate Risk
99 High
🌊🌡🫨
Top Hazards
🌊🌡🫨
▲+3.0°F
2050 Outlook
▲+3.0°F
39 days
Heat Days >95°F
39 days
▲+3.0°F
2050 Outlook
▲+3.0°F
39 days
Heat Days >95°F
39 days

Before moving from Monroe City, MO to Willow Springs, 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 Willow Springs, MO for the same bedroom count and included utilities as your home in Monroe City, MO. 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 Monroe City to Willow Springs moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Monroe City, MO vs Willow Springs, MO

How do the cost estimates for Monroe City, MO and Willow Springs, MO compare?

Willow Springs, MO has a modeled overall cost index 5.9% lower than Monroe City, MO. 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 Monroe City, MO, the model estimates $145,543 in Willow Springs, 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 Monroe City, MO and Willow Springs, MO?

The modeled two-bedroom rents are $890/month in Monroe City, MO and $890/month in Willow Springs, 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.

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