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

Based on cost of living data, St. Louis, MO is 16.3% cheaper than Richardson, TX. This translates to saving $1223 per month.

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

If you earn $150,000 in Richardson, TX, you'd need approximately $135,320.862 in St. Louis, MO to maintain the same standard of living.

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

Housing in St. Louis, MO is 20.0% cheaper than in Richardson, TX. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,834/month in Richardson, TX.

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

Moving from Richardson, TX to St. Louis, MO could save you approximately $1223 per month, or $14679 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

📍 Richardson, TX — ZIP-level rent data · COL adjusted from Plano, TX area

Current salary in Richardson, TX

Numbers update automatically as you type

You'd save $1.2K/month moving to St. Louis, MO

$150.0K in your current city equals $135.3K in St. Louis, MO

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

Overall Cost

↓ 16.3%

Less expensive

Monthly Impact

$1,223

Savings

Annual Impact

$14.7K

Per year

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

Richardson, TX

Population:117K

Cost Index:100

Median Home:$437K

St. Louis, MO

Population:302K

Cost Index:84

Median Home:$145K

Richardson, TX

The Lone Star State

117K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 117K 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: Richardson, TX vs St. Louis, MO

Category	Richardson, TX	St. Louis, MO	Difference	Change
🏠Housing	$2,340/mo	$1,871/mo	↓ $469less	20.0%
📦Other	$1,888/mo	$1,607/mo	↓ $281less	14.9%
🏥Healthcare	$626/mo	$527/mo	↓ $99.20less	15.9%
🚗Transportation	$1,273/mo	$1,216/mo	↓ $56.93less	4.5%
⚡All Utilities	$557/mo	$535/mo	↓ $21.87less	3.9%
🛒Groceries	$970/mo	$949/mo	↓ $20.49less	2.1%

🏠Housing

↓ 20.0%

Richardson, TX

$2,340

St. Louis, MO

$1,871

Difference

$469

less

📦Other

↓ 14.9%

Richardson, TX

$1,888

St. Louis, MO

$1,607

Difference

$281

less

🏥Healthcare

↓ 15.9%

Richardson, TX

$626

St. Louis, MO

$527

Difference

$99.20

less

🚗Transportation

↓ 4.5%

Richardson, TX

$1,273

St. Louis, MO

$1,216

Difference

$56.93

less

⚡All Utilities

↓ 3.9%

Richardson, TX

$557

St. Louis, MO

$535

Difference

$21.87

less

🛒Groceries

↓ 2.1%

Richardson, TX

$970

St. Louis, MO

$949

Difference

$20.49

less

🏛️ Local Income Taxes

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

Richardson, 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$1,500

To$910

↓ $590

1 Bed

From$1,567

To$950

↓ $617

2 Bed

From$1,834

To$1,160

↓ $674

3 Bed

From$2,309

To$1,490

↓ $819

Richardson, TXZIP-level data

1BR range: $1,840–$2,100/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.

$7,653

Monthly in Richardson, TX

$6,705

Monthly in St. Louis, MO

$948

Difference

Home Values

Richardson

St. Louis

$437K

Median Value

$145K

↓ -3.6%

YoY Change

↓ -0.8%

↑ +33.4%

5-Year Change

↑ +10.9%

$377K - $537K

Price Range

$38K - $302K

Homes in St. Louis are 67% less expensive than Richardson

Calculate payment - Richardson 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

Richardson, 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

Richardson, 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.