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

Based on cost of living data, St. Louis, MO is 15.5% cheaper than Orlando, FL. This translates to saving $1165 per month.

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

If you earn $150,000 in Orlando, FL, you'd need approximately $136,019.417 in St. Louis, MO to maintain the same standard of living.

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

Housing in St. Louis, MO is 30.8% cheaper than in Orlando, FL. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,210/month in Orlando, FL.

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

Moving from Orlando, FL to St. Louis, MO could save you approximately $1165 per month, or $13981 per year, based on a $150,000 salary.

Orlando, FL vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Current salary in Orlando, FL

Numbers update automatically as you type

You'd save $1.2K/month moving to St. Louis, MO

$150.0K in your current city equals $136.0K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Orlando-Kissimmee-Sanford, FL area

Overall Cost

↓ 15.5%

Less expensive

Monthly Impact

$1,165

Savings

Annual Impact

$14.0K

Per year

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

Orlando, FL

Population:308K

Cost Index:100

Median Home:$390K

St. Louis, MO

Population:302K

Cost Index:84

Median Home:$145K

Orlando, FL

The Sunshine State

308K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 308K 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: Orlando, FL vs St. Louis, MO

Category	Orlando, FL	St. Louis, MO	Difference	Change
🏠Housing	$2,703/mo	$1,871/mo	↓ $832less	30.8%
📦Other	$1,808/mo	$1,607/mo	↓ $201less	11.1%
🛒Groceries	$1,019/mo	$949/mo	↓ $69.95less	6.9%
🚗Transportation	$1,284/mo	$1,216/mo	↓ $68.30less	5.3%
🏥Healthcare	$570/mo	$527/mo	↓ $43.37less	7.6%
⚡All Utilities	$574/mo	$535/mo	↓ $38.25less	6.7%

🏠Housing

↓ 30.8%

Orlando, FL

$2,703

St. Louis, MO

$1,871

Difference

$832

less

📦Other

↓ 11.1%

Orlando, FL

$1,808

St. Louis, MO

$1,607

Difference

$201

less

🛒Groceries

↓ 6.9%

Orlando, FL

$1,019

St. Louis, MO

$949

Difference

$69.95

less

🚗Transportation

↓ 5.3%

Orlando, FL

$1,284

St. Louis, MO

$1,216

Difference

$68.30

less

🏥Healthcare

↓ 7.6%

Orlando, FL

$570

St. Louis, MO

$527

Difference

$43.37

less

⚡All Utilities

↓ 6.7%

Orlando, FL

$574

St. Louis, MO

$535

Difference

$38.25

less

🏛️ Local Income Taxes

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

Orlando, 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$1,850

To$910

↓ $940

1 Bed

From$1,940

To$950

↓ $990

2 Bed

From$2,210

To$1,160

↓ $1,050

3 Bed

From$2,770

To$1,490

↓ $1,280

Orlando, FLZIP-level data

1BR range: $1,340–$2,400/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.

$7,958

Monthly in Orlando, FL

$6,705

Monthly in St. Louis, MO

$1,252

Difference

Home Values

Orlando

St. Louis

$390K

Median Value

$145K

↓ -4%

YoY Change

↓ -0.8%

↑ +36.8%

5-Year Change

↑ +10.9%

$228K - $783K

Price Range

$38K - $302K

Homes in St. Louis are 63% less expensive than Orlando

Calculate payment - Orlando 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

Orlando, 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

Orlando, 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.