Is St. Louis, MO cheaper than Peabody, MA?

Based on cost of living data, St. Louis, MO is 38.2% cheaper than Peabody, MA. This translates to saving $2865 per month.

What salary do I need in St. Louis, MO to live like I do in Peabody, MA?

If you earn $150,000 in Peabody, MA, you'd need approximately $115,617.373 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Peabody, MA and St. Louis, MO?

Housing in St. Louis, MO is 58.3% cheaper than in Peabody, MA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,056/month in Peabody, MA.

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

Moving from Peabody, MA to St. Louis, MO could save you approximately $2865 per month, or $34383 per year, based on a $150,000 salary.

Peabody, MA vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Peabody, MA — ZIP-level rent data · COL adjusted from Boston, MA area

Current salary in Peabody, MA

Numbers update automatically as you type

You'd save $2.9K/month moving to St. Louis, MO

$150.0K in your current city equals $115.6K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Boston-Cambridge-Newton, MA-NH area

Overall Cost

↓ 38.2%

Less expensive

Monthly Impact

$2,865

Savings

Annual Impact

$34.4K

Per year

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

Peabody, MA

Population:54K

Cost Index:100

Median Home:$677K

St. Louis, MO

Population:302K

Cost Index:62

Median Home:$145K

Peabody, MA

The Bay State

54K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 54K 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: Peabody, MA vs St. Louis, MO

Category	Peabody, MA	St. Louis, MO	Difference	Change
🏠Housing	$4,486/mo	$1,871/mo	↓ $2,615less	58.3%
🚗Transportation	$1,729/mo	$1,216/mo	↓ $514less	29.7%
🏥Healthcare	$723/mo	$527/mo	↓ $196less	27.1%
⚡All Utilities	$696/mo	$535/mo	↓ $160less	23.0%
📦Other	$1,724/mo	$1,607/mo	↓ $117less	6.8%
🛒Groceries	$1,049/mo	$949/mo	↓ $99.72less	9.5%

🏠Housing

↓ 58.3%

Peabody, MA

$4,486

St. Louis, MO

$1,871

Difference

$2,615

less

🚗Transportation

↓ 29.7%

Peabody, MA

$1,729

St. Louis, MO

$1,216

Difference

$514

less

🏥Healthcare

↓ 27.1%

Peabody, MA

$723

St. Louis, MO

$527

Difference

$196

less

⚡All Utilities

↓ 23.0%

Peabody, MA

$696

St. Louis, MO

$535

Difference

$160

less

📦Other

↓ 6.8%

Peabody, MA

$1,724

St. Louis, MO

$1,607

Difference

$117

less

🛒Groceries

↓ 9.5%

Peabody, MA

$1,049

St. Louis, MO

$949

Difference

$99.72

less

🏛️ Local Income Taxes

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

Peabody, MA 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$1,638

To$910

↓ $728

1 Bed

From$1,735

To$950

↓ $785

2 Bed

From$2,056

To$1,160

↓ $896

3 Bed

From$2,474

To$1,490

↓ $984

Peabody, MAZIP-level data

1BR range: $2,160–$2,160/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.

$10,407

Monthly in Peabody, MA

$6,705

Monthly in St. Louis, MO

$3,702

Difference

Home Values

Peabody

St. Louis

$677K

Median Value

$145K

↑ +1.2%

YoY Change

↓ -0.8%

↑ +29.9%

5-Year Change

↑ +10.9%

$677K

Price Range

$38K - $302K

Homes in St. Louis are 79% less expensive than Peabody

Calculate payment - Peabody Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $429

More taxes

Monthly Difference

$35.75

Less take-home

Effective Rate Diff

0.3%

Rate difference

Peabody, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

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

Peabody, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

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.