Is St. Louis, MO cheaper than San Pablo, CA?

Based on cost of living data, St. Louis, MO is 44.1% cheaper than San Pablo, CA. This translates to saving $3304 per month.

What salary do I need in St. Louis, MO to live like I do in San Pablo, CA?

If you earn $150,000 in San Pablo, CA, you'd need approximately $110,347.657 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between San Pablo, CA and St. Louis, MO?

Housing in St. Louis, MO is 67.8% cheaper than in San Pablo, CA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,011/month in San Pablo, CA.

How much can I save per month by moving from San Pablo, CA to St. Louis, MO?

Moving from San Pablo, CA to St. Louis, MO could save you approximately $3304 per month, or $39652 per year, based on a $150,000 salary.

San Pablo, CA vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 San Pablo, CA — ZIP-level rent data · COL adjusted from Oakland, CA area

Current salary in San Pablo, CA

Numbers update automatically as you type

You'd save $3.3K/month moving to St. Louis, MO

$150.0K in your current city equals $110.3K in St. Louis, MO

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

Overall Cost

↓ 44.1%

Less expensive

Monthly Impact

$3,304

Savings

Annual Impact

$39.7K

Per year

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

San Pablo, CA

Population:31K

Cost Index:100

Median Home:$562K

St. Louis, MO

Population:302K

Cost Index:56

Median Home:$145K

San Pablo, CA

The Golden State

31K

Population

State Tax

Yes

Located in California, this city has a population of 31K 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: San Pablo, CA vs St. Louis, MO

Category	San Pablo, CA	St. Louis, MO	Difference	Change
🏠Housing	$5,820/mo	$1,871/mo	↓ $3,949less	67.8%
🚗Transportation	$2,034/mo	$1,216/mo	↓ $819less	40.2%
🛒Groceries	$1,125/mo	$949/mo	↓ $176less	15.6%
📦Other	$1,767/mo	$1,607/mo	↓ $160less	9.1%
🏥Healthcare	$686/mo	$527/mo	↓ $159less	23.2%
⚡All Utilities	$435/mo	$535/mo	↑ $100more	23.1%

🏠Housing

↓ 67.8%

San Pablo, CA

$5,820

St. Louis, MO

$1,871

Difference

$3,949

less

🚗Transportation

↓ 40.2%

San Pablo, CA

$2,034

St. Louis, MO

$1,216

Difference

$819

less

🛒Groceries

↓ 15.6%

San Pablo, CA

$1,125

St. Louis, MO

$949

Difference

$176

less

📦Other

↓ 9.1%

San Pablo, CA

$1,767

St. Louis, MO

$1,607

Difference

$160

less

🏥Healthcare

↓ 23.2%

San Pablo, CA

$686

St. Louis, MO

$527

Difference

$159

less

⚡All Utilities

↑ 23.1%

San Pablo, CA

$435

St. Louis, MO

$535

Difference

$100

🏛️ Local Income Taxes

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

San Pablo, CA 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$1,482

To$910

↓ $572

1 Bed

From$1,650

To$950

↓ $700

2 Bed

From$2,011

To$1,160

↓ $851

3 Bed

From$2,572

To$1,490

↓ $1,082

San Pablo, CAZIP-level data

1BR range: $2,060–$2,060/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.

$11,867

Monthly in San Pablo, CA

$6,705

Monthly in St. Louis, MO

$5,162

Difference

Home Values

San Pablo

St. Louis

$562K

Median Value

$145K

↓ -6.9%

YoY Change

↓ -0.8%

↑ +3.9%

5-Year Change

↑ +10.9%

$562K

Price Range

$38K - $302K

Homes in St. Louis are 74% less expensive than San Pablo

Calculate payment - San Pablo Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.7K

Per year

Monthly Difference

$225

More take-home

Effective Rate Diff

1.8%

Rate difference

San Pablo, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

San Pablo, CA Tax Rates

Sales Tax:10.5%

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.