Is St. Louis, MO cheaper than New Smyrna Beach, FL?

Based on cost of living data, St. Louis, MO is 10.2% cheaper than New Smyrna Beach, FL. This translates to saving $764 per month.

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

If you earn $150,000 in New Smyrna Beach, FL, you'd need approximately $140,835.123 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between New Smyrna Beach, FL and St. Louis, MO?

Housing in St. Louis, MO is 18.2% cheaper than in New Smyrna Beach, FL. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,663/month in New Smyrna Beach, FL.

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

Moving from New Smyrna Beach, FL to St. Louis, MO could save you approximately $764 per month, or $9165 per year, based on a $150,000 salary.

New Smyrna Beach, FL vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 New Smyrna Beach, FL — ZIP-level rent data · COL adjusted from Orlando, FL area

Current salary in New Smyrna Beach, FL

Numbers update automatically as you type

You'd save $764/month moving to St. Louis, MO

$150.0K in your current city equals $140.8K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 10.2%

Less expensive

Monthly Impact

$764

Savings

Annual Impact

$9.2K

Per year

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

New Smyrna Beach, FL

Population:33K

Cost Index:100

Median Home:$455K

St. Louis, MO

Population:302K

Cost Index:90

Median Home:$145K

New Smyrna Beach, FL

The Sunshine State

33K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 33K residents.

💡 Advantage: Florida has no state income tax!

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: New Smyrna Beach, FL vs St. Louis, MO

Category	New Smyrna Beach, FL	St. Louis, MO	Difference	Change
🏠Housing	$2,287/mo	$1,871/mo	↓ $416less	18.2%
📦Other	$1,700/mo	$1,607/mo	↓ $93.18less	5.5%
🛒Groceries	$988/mo	$949/mo	↓ $39.12less	4.0%
🏥Healthcare	$553/mo	$527/mo	↓ $26.13less	4.7%
⚡All Utilities	$556/mo	$535/mo	↓ $20.90less	3.8%
🚗Transportation	$1,208/mo	$1,216/mo	↑ $8.20more	0.7%

🏠Housing

↓ 18.2%

New Smyrna Beach, FL

$2,287

St. Louis, MO

$1,871

Difference

$416

less

📦Other

↓ 5.5%

New Smyrna Beach, FL

$1,700

St. Louis, MO

$1,607

Difference

$93.18

less

🛒Groceries

↓ 4.0%

New Smyrna Beach, FL

$988

St. Louis, MO

$949

Difference

$39.12

less

🏥Healthcare

↓ 4.7%

New Smyrna Beach, FL

$553

St. Louis, MO

$527

Difference

$26.13

less

⚡All Utilities

↓ 3.8%

New Smyrna Beach, FL

$556

St. Louis, MO

$535

Difference

$20.90

less

🚗Transportation

↑ 0.7%

New Smyrna Beach, FL

$1,208

St. Louis, MO

$1,216

Difference

$8.20

🏛️ Local Income Taxes

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

New Smyrna Beach, 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$1,175

To$910

↓ $265

1 Bed

From$1,355

To$950

↓ $405

2 Bed

From$1,663

To$1,160

↓ $503

3 Bed

From$2,190

To$1,490

↓ $700

New Smyrna Beach, FLZIP-level data

1BR range: $1,610–$1,780/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.

$7,293

Monthly in New Smyrna Beach, FL

$6,705

Monthly in St. Louis, MO

$588

Difference

Home Values

New Smyrna Beach

St. Louis

$455K

Median Value

$145K

↓ -2.6%

YoY Change

↓ -0.8%

↑ +37.5%

5-Year Change

↑ +10.9%

$373K - $536K

Price Range

$38K - $302K

Homes in St. Louis are 68% less expensive than New Smyrna Beach

Calculate payment - New Smyrna Beach 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

New Smyrna Beach, 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

New Smyrna Beach, 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.