Osage Beach, MO vs Orange City, IA: Cost of Living

Which city costs less?

Orange City, IA has a modeled overall cost index 2.6% higher than Osage Beach, MO.

Osage Beach, MO · modeled 2BR rent
$900 / month
Orange City, IA · modeled 2BR rent
$920 / 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 Osage Beach, MO and Orange City, IA 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

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Estimated extra cost: $149/month in Orange City, IA

$150,000 in your current city has a modeled equivalent of $151,788 in Orange City, IA

Regional cost estimates: Osage Beach, MO uses Kansas City, MO. Orange City, IA uses Omaha, NE. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 2.6%
More expensive
Monthly Impact
$149
Extra cost
Annual Impact
$1.8K
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.

Osage Beach, MO

Population:5K
Cost Index:
73.3
100 = national average
Typical Home:$323K

Orange City, IA

Population:6K
Cost Index:
75.2
100 = national average
Typical Home:$306K

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Osage Beach, MO

The Show-Me State

5K
Population
State Tax
Yes

Located in Missouri, this city has a population of 5K residents.

Orange City, IA

The Hawkeye State

6K
Population
State Tax
Yes

Located in Iowa, this city has a population of 6K residents.

Cost Breakdown by Category

Estimated monthly spending: Osage Beach, MO vs Orange City, IA

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.

Healthcare
↑ 13.1%
Osage Beach, MO
$717
Orange City, IA
$811
Difference
$93.63
more
All Utilities
↓ 11.6%
Osage Beach, MO
$632
Orange City, IA
$559
Difference
$73.43
less
Transportation
↑ 3.7%
Osage Beach, MO
$1,296
Orange City, IA
$1,345
Difference
$48.36
more
Other
↑ 2.5%
Osage Beach, MO
$1,713
Orange City, IA
$1,756
Difference
$42.98
more
Housing
↑ 1.5%
Osage Beach, MO
$2,020
Orange City, IA
$2,049
Difference
$29.32
more
Groceries
↑ 0.7%
Osage Beach, MO
$1,121
Orange City, IA
$1,129
Difference
$8.11
more

🏠Rent Comparison

Studio
From$670
To$700
↑ $30.00
1 Bed
From$710
To$700
↓ $10.00
2 Bed
From$900
To$920
↑ $20.00
3 Bed
From$1,240
To$1,180
↓ $60.00
Osage Beach, MOZIP-level data

1BR range: $710–$710/mo

Orange City, IAZIP-level data

1BR range: $700–$700/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 Osage Beach, MO
$7,649
Monthly in Orange City, IA
$149
Difference

Home Values

Osage Beach
Orange City
$323K
Median Value
$306K
↓ -5.4%
YoY Change
↑ +4%
↑ +18%
5-Year Change
↑ +37.9%

Homes in Orange City are 5% less expensive than Osage Beach

Calculate payment - Osage BeachCalculate payment - Orange City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $2.8K
More taxes
Monthly Difference
$231
Less take-home
Effective Rate Diff
1.8%
Rate difference

Osage Beach, 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

Orange City, 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

Additional Tax Information

Osage Beach, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Orange City, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

💡 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

Osage Beach
Orange City
46 Good
Air Quality
45 Good
59.3%
Good Air Days
63.7%
97 High
Climate Risk
96 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.3°F
2050 Outlook
▲+3.4°F
44 days
Heat Days >95°F
35 days
▲+3.3°F
2050 Outlook
▲+3.4°F
44 days
Heat Days >95°F
35 days

Before moving from Osage Beach, MO to Orange City, IA

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

  1. Compare actual homes. Get current quotes in Orange City, IA for the same bedroom count and included utilities as your home in Osage Beach, 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 Osage Beach to Orange City moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Orange City, IA by cost, housing, population and region.

Frequently Asked Questions: Osage Beach, MO vs Orange City, IA

How do the cost estimates for Osage Beach, MO and Orange City, IA compare?

Orange City, IA has a modeled overall cost index 2.6% higher than Osage Beach, 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 Osage Beach, MO, the model estimates $151,788 in Orange City, IA. 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 Osage Beach, MO and Orange City, IA?

The modeled two-bedroom rents are $900/month in Osage Beach, MO and $920/month in Orange City, IA. 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 Missouri and Iowa on TaxTakeHome.com

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