Is St. Louis, MO cheaper than Passaic, NJ?

Based on cost of living data, St. Louis, MO is 16.7% cheaper than Passaic, NJ. This translates to saving $1254 per month.

What salary do I need in St. Louis, MO to live like I do in Passaic, NJ?

If you earn $150,000 in Passaic, NJ, you'd need approximately $134,955.885 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Passaic, NJ and St. Louis, MO?

Housing in St. Louis, MO is 4.9% cheaper than in Passaic, NJ. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,554/month in Passaic, NJ.

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

Moving from Passaic, NJ to St. Louis, MO could save you approximately $1254 per month, or $15044 per year, based on a $150,000 salary.

Passaic, NJ vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Passaic, NJ — ZIP-level rent data · COL adjusted from Newark, NJ area

Current salary in Passaic, NJ

Numbers update automatically as you type

You'd save $1.3K/month moving to St. Louis, MO

$150.0K in your current city equals $135.0K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 16.7%

Less expensive

Monthly Impact

$1,254

Savings

Annual Impact

$15.0K

Per year

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

Passaic, NJ

Population:69K

Cost Index:100

Median Home:$553K

St. Louis, MO

Population:302K

Cost Index:83

Median Home:$145K

Passaic, NJ

The Garden State

69K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 69K residents.

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: Passaic, NJ vs St. Louis, MO

Category	Passaic, NJ	St. Louis, MO	Difference	Change
📦Other	$1,959/mo	$1,607/mo	↓ $352less	18.0%
🚗Transportation	$1,546/mo	$1,216/mo	↓ $330less	21.4%
🏥Healthcare	$676/mo	$527/mo	↓ $150less	22.1%
🛒Groceries	$1,081/mo	$949/mo	↓ $132less	12.2%
🏠Housing	$1,968/mo	$1,871/mo	↓ $97.05less	4.9%
⚡All Utilities	$586/mo	$535/mo	↓ $50.27less	8.6%

📦Other

↓ 18.0%

Passaic, NJ

$1,959

St. Louis, MO

$1,607

Difference

$352

less

🚗Transportation

↓ 21.4%

Passaic, NJ

$1,546

St. Louis, MO

$1,216

Difference

$330

less

🏥Healthcare

↓ 22.1%

Passaic, NJ

$676

St. Louis, MO

$527

Difference

$150

less

🛒Groceries

↓ 12.2%

Passaic, NJ

$1,081

St. Louis, MO

$949

Difference

$132

less

🏠Housing

↓ 4.9%

Passaic, NJ

$1,968

St. Louis, MO

$1,871

Difference

$97.05

less

⚡All Utilities

↓ 8.6%

Passaic, NJ

$586

St. Louis, MO

$535

Difference

$50.27

less

🏛️ Local Income Taxes

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

Passaic, NJ 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$1,192

To$910

↓ $282

1 Bed

From$1,357

To$950

↓ $407

2 Bed

From$1,554

To$1,160

↓ $394

3 Bed

From$1,899

To$1,490

↓ $409

Passaic, NJZIP-level data

1BR range: $1,650–$1,650/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.

$7,816

Monthly in Passaic, NJ

$6,705

Monthly in St. Louis, MO

$1,111

Difference

Home Values

Passaic

St. Louis

$553K

Median Value

$145K

↑ +2.8%

YoY Change

↓ -0.8%

↑ +42.7%

5-Year Change

↑ +10.9%

$553K

Price Range

$38K - $302K

Homes in St. Louis are 74% less expensive than Passaic

Calculate payment - Passaic Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $499

More taxes

Monthly Difference

$41.54

Less take-home

Effective Rate Diff

0.3%

Rate difference

Passaic, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Passaic, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.