Is St. Louis, MO cheaper than Palm Bay, FL?

Based on cost of living data, St. Louis, MO is 13.0% cheaper than Palm Bay, FL. This translates to saving $972 per month.

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

If you earn $150,000 in Palm Bay, FL, you'd need approximately $138,334.783 in St. Louis, MO to maintain the same standard of living.

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

Housing in St. Louis, MO is 20.7% cheaper than in Palm Bay, FL. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,514/month in Palm Bay, FL.

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

Moving from Palm Bay, FL to St. Louis, MO could save you approximately $972 per month, or $11665 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

📍 Palm Bay, FL — ZIP-level rent data · COL adjusted from Orlando, FL area

Current salary in Palm Bay, FL

Numbers update automatically as you type

You'd save $972/month moving to St. Louis, MO

$150.0K in your current city equals $138.3K in St. Louis, MO

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

Overall Cost

↓ 13.0%

Less expensive

Monthly Impact

$972

Savings

Annual Impact

$11.7K

Per year

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

Palm Bay, FL

Population:136K

Cost Index:100

Median Home:$304K

St. Louis, MO

Population:302K

Cost Index:87

Median Home:$145K

Palm Bay, FL

The Sunshine State

136K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 136K 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: Palm Bay, FL vs St. Louis, MO

Category	Palm Bay, FL	St. Louis, MO	Difference	Change
🏠Housing	$2,361/mo	$1,871/mo	↓ $489less	20.7%
📦Other	$1,754/mo	$1,607/mo	↓ $147less	8.4%
🛒Groceries	$1,004/mo	$949/mo	↓ $54.77less	5.5%
🏥Healthcare	$562/mo	$527/mo	↓ $34.88less	6.2%
🚗Transportation	$1,246/mo	$1,216/mo	↓ $30.35less	2.4%
⚡All Utilities	$565/mo	$535/mo	↓ $29.71less	5.3%

🏠Housing

↓ 20.7%

Palm Bay, FL

$2,361

St. Louis, MO

$1,871

Difference

$489

less

📦Other

↓ 8.4%

Palm Bay, FL

$1,754

St. Louis, MO

$1,607

Difference

$147

less

🛒Groceries

↓ 5.5%

Palm Bay, FL

$1,004

St. Louis, MO

$949

Difference

$54.77

less

🏥Healthcare

↓ 6.2%

Palm Bay, FL

$562

St. Louis, MO

$527

Difference

$34.88

less

🚗Transportation

↓ 2.4%

Palm Bay, FL

$1,246

St. Louis, MO

$1,216

Difference

$30.35

less

⚡All Utilities

↓ 5.3%

Palm Bay, FL

$565

St. Louis, MO

$535

Difference

$29.71

less

🏛️ Local Income Taxes

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

Palm Bay, 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$1,122

To$910

↓ $212

1 Bed

From$1,312

To$950

↓ $362

2 Bed

From$1,514

To$1,160

↓ $354

3 Bed

From$2,062

To$1,490

↓ $572

Palm Bay, FLZIP-level data

1BR range: $1,410–$1,750/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.

$7,492

Monthly in Palm Bay, FL

$6,705

Monthly in St. Louis, MO

$787

Difference

Home Values

Palm Bay

St. Louis

$304K

Median Value

$145K

↓ -4.5%

YoY Change

↓ -0.8%

↑ +33%

5-Year Change

↑ +10.9%

$231K - $313K

Price Range

$38K - $302K

Homes in St. Louis are 52% less expensive than Palm Bay

Calculate payment - Palm Bay 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

Palm Bay, 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

Palm Bay, 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.