Is St. Louis, MO cheaper than Ormond Beach, FL?

Based on cost of living data, St. Louis, MO is 9.6% cheaper than Ormond Beach, FL. This translates to saving $720 per month.

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

If you earn $150,000 in Ormond Beach, FL, you'd need approximately $141,361.393 in St. Louis, MO to maintain the same standard of living.

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

Housing in St. Louis, MO is 17.7% cheaper than in Ormond Beach, FL. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,350/month in Ormond Beach, FL.

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

Moving from Ormond Beach, FL to St. Louis, MO could save you approximately $720 per month, or $8639 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

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

Current salary in Ormond Beach, FL

Numbers update automatically as you type

You'd save $720/month moving to St. Louis, MO

$150.0K in your current city equals $141.4K in St. Louis, MO

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

Overall Cost

↓ 9.6%

Less expensive

Monthly Impact

$720

Savings

Annual Impact

$8.6K

Per year

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

Ormond Beach, FL

Population:44K

Cost Index:100

Median Home:$352K

St. Louis, MO

Population:302K

Cost Index:90

Median Home:$145K

Ormond Beach, FL

The Sunshine State

44K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 44K 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: Ormond Beach, FL vs St. Louis, MO

Category	Ormond Beach, FL	St. Louis, MO	Difference	Change
🏠Housing	$2,273/mo	$1,871/mo	↓ $402less	17.7%
📦Other	$1,689/mo	$1,607/mo	↓ $82.18less	4.9%
🛒Groceries	$985/mo	$949/mo	↓ $35.92less	3.6%
🏥Healthcare	$551/mo	$527/mo	↓ $24.34less	4.4%
⚡All Utilities	$555/mo	$535/mo	↓ $19.09less	3.4%
🚗Transportation	$1,200/mo	$1,216/mo	↑ $16.01more	1.3%

🏠Housing

↓ 17.7%

Ormond Beach, FL

$2,273

St. Louis, MO

$1,871

Difference

$402

less

📦Other

↓ 4.9%

Ormond Beach, FL

$1,689

St. Louis, MO

$1,607

Difference

$82.18

less

🛒Groceries

↓ 3.6%

Ormond Beach, FL

$985

St. Louis, MO

$949

Difference

$35.92

less

🏥Healthcare

↓ 4.4%

Ormond Beach, FL

$551

St. Louis, MO

$527

Difference

$24.34

less

⚡All Utilities

↓ 3.4%

Ormond Beach, FL

$555

St. Louis, MO

$535

Difference

$19.09

less

🚗Transportation

↑ 1.3%

Ormond Beach, FL

$1,200

St. Louis, MO

$1,216

Difference

$16.01

🏛️ Local Income Taxes

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

Ormond 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$981

To$910

↓ $71.00

1 Bed

From$1,100

To$950

↓ $150

2 Bed

From$1,350

To$1,160

↓ $190

3 Bed

From$1,779

To$1,490

↓ $289

Ormond Beach, FLZIP-level data

1BR range: $1,310–$1,460/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.

$7,252

Monthly in Ormond Beach, FL

$6,705

Monthly in St. Louis, MO

$547

Difference

Home Values

Ormond Beach

St. Louis

$352K

Median Value

$145K

↓ -5.4%

YoY Change

↓ -0.8%

↑ +29.8%

5-Year Change

↑ +10.9%

$339K - $365K

Price Range

$38K - $302K

Homes in St. Louis are 59% less expensive than Ormond Beach

Calculate payment - Ormond 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

Ormond 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

Ormond 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.