Osage Beach, MO vs Zumbrota, MN: Cost of Living

Which city costs less?

Zumbrota, MN has a modeled overall cost index 26.0% higher than Osage Beach, MO.

Osage Beach, MO · modeled 2BR rent
$900 / month
Zumbrota, MN · modeled 2BR rent
$970 / 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 Zumbrota, MN 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: $1,689/month in Zumbrota, MN

$150,000 in your current city has a modeled equivalent of $170,267 in Zumbrota, MN

Regional cost estimates: Osage Beach, MO uses Kansas City, MO. Zumbrota, MN uses Saint Paul, MN. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 26.0%
More expensive
Monthly Impact
$1,689
Extra cost
Annual Impact
$20.3K
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

Zumbrota, MN

Population:4K
Cost Index:
92.4
100 = national average
Typical Home:$319K

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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.

Zumbrota, MN

The North Star State

4K
Population
State Tax
Yes

Located in Minnesota, this city has a population of 4K residents.

Cost Breakdown by Category

Estimated monthly spending: Osage Beach, MO vs Zumbrota, MN

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
↑ 38.7%
Osage Beach, MO
$2,020
Zumbrota, MN
$2,801
Difference
$781
more
Transportation
↑ 22.6%
Osage Beach, MO
$1,296
Zumbrota, MN
$1,588
Difference
$292
more
Other
↑ 15.9%
Osage Beach, MO
$1,713
Zumbrota, MN
$1,985
Difference
$272
more
Healthcare
↑ 29.4%
Osage Beach, MO
$717
Zumbrota, MN
$928
Difference
$211
more
Groceries
↑ 12.7%
Osage Beach, MO
$1,121
Zumbrota, MN
$1,263
Difference
$142
more
All Utilities
↓ 1.4%
Osage Beach, MO
$632
Zumbrota, MN
$624
Difference
$8.74
less

🏠Rent Comparison

Studio
From$670
To$670
→ $0
1 Bed
From$710
To$800
↑ $90.00
2 Bed
From$900
To$970
↑ $70.00
3 Bed
From$1,240
To$1,350
↑ $110
Osage Beach, MOZIP-level data

1BR range: $710–$710/mo

Zumbrota, MNZIP-level data

1BR range: $800–$800/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
$9,189
Monthly in Zumbrota, MN
$1,689
Difference

Home Values

Osage Beach
Zumbrota
$323K
Median Value
$319K
↓ -5.4%
YoY Change
↑ +4%
↑ +18%
5-Year Change
↑ +30.4%

Homes in Zumbrota are 1% less expensive than Osage Beach

Calculate payment - Osage BeachCalculate payment - Zumbrota

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $2.5K
More taxes
Monthly Difference
$209
Less take-home
Effective Rate Diff
1.7%
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

Zumbrota, MN

Federal Income Tax
Effective: 18.9%
$25.5K
Minnesota State Tax
Effective: 7.0%
$10.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.6%
$47.4K
Take-Home Pay
$8,546/month
$102.6K

Additional Tax Information

Osage Beach, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Zumbrota, MN Tax Rates

Sales Tax:8.0%
Property Tax:1.1%

💡 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
Zumbrota
46 Good
Air Quality
36 Good
59.3%
Good Air Days
72.4%
97 High
Climate Risk
95 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.3°F
2050 Outlook
▲+3.7°F
44 days
Heat Days >95°F
14 days
▲+3.3°F
2050 Outlook
▲+3.7°F
44 days
Heat Days >95°F
14 days

Before moving from Osage Beach, MO to Zumbrota, MN

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

  1. Compare actual homes. Get current quotes in Zumbrota, MN 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 Zumbrota moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Zumbrota, MN by cost, housing, population and region.

Frequently Asked Questions: Osage Beach, MO vs Zumbrota, MN

How do the cost estimates for Osage Beach, MO and Zumbrota, MN compare?

Zumbrota, MN has a modeled overall cost index 26.0% 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 $170,267 in Zumbrota, MN. 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 Zumbrota, MN?

The modeled two-bedroom rents are $900/month in Osage Beach, MO and $970/month in Zumbrota, MN. 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 Minnesota on TaxTakeHome.com

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