Is St. Louis, MO cheaper than Santa Fe, NM?

Based on cost of living data, St. Louis, MO is 5.8% cheaper than Santa Fe, NM. This translates to saving $433 per month.

What salary do I need in St. Louis, MO to live like I do in Santa Fe, NM?

If you earn $150,000 in Santa Fe, NM, you'd need approximately $144,799.255 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Santa Fe, NM and St. Louis, MO?

Housing in St. Louis, MO is 6.5% cheaper than in Santa Fe, NM. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,446/month in Santa Fe, NM.

How much can I save per month by moving from Santa Fe, NM to St. Louis, MO?

Moving from Santa Fe, NM to St. Louis, MO could save you approximately $433 per month, or $5201 per year, based on a $150,000 salary.

Santa Fe, NM vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Santa Fe, NM — ZIP-level rent data · COL adjusted from Albuquerque, NM area

Current salary in Santa Fe, NM

Numbers update automatically as you type

You'd save $433/month moving to St. Louis, MO

$150.0K in your current city equals $144.8K in St. Louis, MO

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

Overall Cost

↓ 5.8%

Less expensive

Monthly Impact

$433

Savings

Annual Impact

$5.2K

Per year

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

Santa Fe, NM

Population:89K

Cost Index:100

Median Home:$553K

St. Louis, MO

Population:302K

Cost Index:94

Median Home:$145K

Santa Fe, NM

The Land of Enchantment

89K

Population

State Tax

Yes

Located in New Mexico, this city has a population of 89K 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: Santa Fe, NM vs St. Louis, MO

Category	Santa Fe, NM	St. Louis, MO	Difference	Change
🏠Housing	$2,000/mo	$1,871/mo	↓ $129less	6.5%
🚗Transportation	$1,301/mo	$1,216/mo	↓ $85.40less	6.6%
📦Other	$1,676/mo	$1,607/mo	↓ $68.82less	4.1%
⚡All Utilities	$496/mo	$535/mo	↑ $39.88more	8.0%
🏥Healthcare	$538/mo	$527/mo	↓ $10.89less	2.0%
🛒Groceries	$946/mo	$949/mo	↑ $3.55more	0.4%

🏠Housing

↓ 6.5%

Santa Fe, NM

$2,000

St. Louis, MO

$1,871

Difference

$129

less

🚗Transportation

↓ 6.6%

Santa Fe, NM

$1,301

St. Louis, MO

$1,216

Difference

$85.40

less

📦Other

↓ 4.1%

Santa Fe, NM

$1,676

St. Louis, MO

$1,607

Difference

$68.82

less

⚡All Utilities

↑ 8.0%

Santa Fe, NM

$496

St. Louis, MO

$535

Difference

$39.88

🏥Healthcare

↓ 2.0%

Santa Fe, NM

$538

St. Louis, MO

$527

Difference

$10.89

less

🛒Groceries

↑ 0.4%

Santa Fe, NM

$946

St. Louis, MO

$949

Difference

$3.55

🏛️ Local Income Taxes

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

Santa Fe, NM 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$1,082

To$910

↓ $172

1 Bed

From$1,190

To$950

↓ $240

2 Bed

From$1,446

To$1,160

↓ $286

3 Bed

From$1,818

To$1,490

↓ $328

Santa Fe, NMZIP-level data

1BR range: $1,440–$1,440/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.

$6,956

Monthly in Santa Fe, NM

$6,705

Monthly in St. Louis, MO

$251

Difference

Home Values

Santa Fe

St. Louis

$553K

Median Value

$145K

↓ -0.8%

YoY Change

↓ -0.8%

↑ +25.8%

5-Year Change

↑ +10.9%

$553K

Price Range

$38K - $302K

Homes in St. Louis are 74% less expensive than Santa Fe

Calculate payment - Santa Fe Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $859

More taxes

Monthly Difference

$71.54

Less take-home

Effective Rate Diff

0.6%

Rate difference

Santa Fe, NM

Federal Income Tax

Effective: 18.9%

$25.5K

New Mexico State Tax

Effective: 4.7%

$7.1K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.4%

$44.1K

Take-Home Pay

$8,826/month

$105.9K

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

Santa Fe, NM Tax Rates

Sales Tax:7.6%

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.