Is St. Louis, MO cheaper than Plano, TX?

Based on cost of living data, St. Louis, MO is 13.9% cheaper than Plano, TX. This translates to saving $1040 per month.

What salary do I need in St. Louis, MO to live like I do in Plano, TX?

If you earn $150,000 in Plano, TX, you'd need approximately $137,524.752 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Plano, TX and St. Louis, MO?

Housing in St. Louis, MO is 21.7% cheaper than in Plano, TX. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,340/month in Plano, TX.

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

Moving from Plano, TX to St. Louis, MO could save you approximately $1040 per month, or $12475 per year, based on a $150,000 salary.

Plano, TX vs St. Louis, MO: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

Current salary in Plano, TX

Numbers update automatically as you type

You'd save $1.0K/month moving to St. Louis, MO

$150.0K in your current city equals $137.5K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↓ 13.9%

Less expensive

Monthly Impact

$1,040

Savings

Annual Impact

$12.5K

Per year

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

Plano, TX

Population:285K

Cost Index:100

Median Home:$496K

St. Louis, MO

Population:302K

Cost Index:86

Median Home:$145K

Plano, TX

The Lone Star State

285K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 285K residents.

💡 Advantage: Texas 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: Plano, TX vs St. Louis, MO

Category	Plano, TX	St. Louis, MO	Difference	Change
🏠Housing	$2,391/mo	$1,871/mo	↓ $520less	21.7%
📦Other	$1,774/mo	$1,607/mo	↓ $167less	9.4%
🏥Healthcare	$632/mo	$527/mo	↓ $105less	16.7%
🚗Transportation	$1,298/mo	$1,216/mo	↓ $81.96less	6.3%
🛒Groceries	$979/mo	$949/mo	↓ $29.98less	3.1%
⚡All Utilities	$563/mo	$535/mo	↓ $27.32less	4.9%

🏠Housing

↓ 21.7%

Plano, TX

$2,391

St. Louis, MO

$1,871

Difference

$520

less

📦Other

↓ 9.4%

Plano, TX

$1,774

St. Louis, MO

$1,607

Difference

$167

less

🏥Healthcare

↓ 16.7%

Plano, TX

$632

St. Louis, MO

$527

Difference

$105

less

🚗Transportation

↓ 6.3%

Plano, TX

$1,298

St. Louis, MO

$1,216

Difference

$81.96

less

🛒Groceries

↓ 3.1%

Plano, TX

$979

St. Louis, MO

$949

Difference

$29.98

less

⚡All Utilities

↓ 4.9%

Plano, TX

$563

St. Louis, MO

$535

Difference

$27.32

less

🏛️ Local Income Taxes

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

Plano, TX 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$1,915

To$910

↓ $1,005

1 Bed

From$2,000

To$950

↓ $1,050

2 Bed

From$2,340

To$1,160

↓ $1,180

3 Bed

From$2,945

To$1,490

↓ $1,455

Plano, TXZIP-level data

1BR range: $1,770–$2,200/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.

$7,637

Monthly in Plano, TX

$6,705

Monthly in St. Louis, MO

$932

Difference

Home Values

Plano

St. Louis

$496K

Median Value

$145K

↓ -5%

YoY Change

↓ -0.8%

↑ +35%

5-Year Change

↑ +10.9%

$361K - $725K

Price Range

$38K - $302K

Homes in St. Louis are 71% less expensive than Plano

Calculate payment - Plano 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

Plano, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Plano, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.