Is St. Louis, MO cheaper than Santa Rosa, CA?

Based on cost of living data, St. Louis, MO is 44.0% cheaper than Santa Rosa, CA. This translates to saving $3303 per month.

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

If you earn $150,000 in Santa Rosa, CA, you'd need approximately $110,368.788 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Santa Rosa, CA and St. Louis, MO?

Housing in St. Louis, MO is 73.0% cheaper than in Santa Rosa, CA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,928/month in Santa Rosa, CA.

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

Moving from Santa Rosa, CA to St. Louis, MO could save you approximately $3303 per month, or $39631 per year, based on a $150,000 salary.

Santa Rosa, CA vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Santa Rosa, CA — ZIP-level rent data · COL adjusted from San Francisco, CA area

Current salary in Santa Rosa, 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 $110.4K in St. Louis, MO

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

Overall Cost

↓ 44.0%

Less expensive

Monthly Impact

$3,303

Savings

Annual Impact

$39.6K

Per year

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

Santa Rosa, CA

Population:176K

Cost Index:100

Median Home:$713K

St. Louis, MO

Population:302K

Cost Index:56

Median Home:$145K

Santa Rosa, CA

The Golden State

176K

Population

State Tax

Yes

Located in California, this city has a population of 176K 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 Rosa, CA vs St. Louis, MO

Category	Santa Rosa, CA	St. Louis, MO	Difference	Change
🏠Housing	$6,939/mo	$1,871/mo	↓ $5,068less	73.0%
🚗Transportation	$1,703/mo	$1,216/mo	↓ $487less	28.6%
⚡All Utilities	$398/mo	$535/mo	↑ $137more	34.5%
📦Other	$1,479/mo	$1,607/mo	↑ $128more	8.6%
🏥Healthcare	$627/mo	$527/mo	↓ $101less	16.1%
🛒Groceries	$1,030/mo	$949/mo	↓ $80.39less	7.8%

🏠Housing

↓ 73.0%

Santa Rosa, CA

$6,939

St. Louis, MO

$1,871

Difference

$5,068

less

🚗Transportation

↓ 28.6%

Santa Rosa, CA

$1,703

St. Louis, MO

$1,216

Difference

$487

less

⚡All Utilities

↑ 34.5%

Santa Rosa, CA

$398

St. Louis, MO

$535

Difference

$137

📦Other

↑ 8.6%

Santa Rosa, CA

$1,479

St. Louis, MO

$1,607

Difference

$128

🏥Healthcare

↓ 16.1%

Santa Rosa, CA

$627

St. Louis, MO

$527

Difference

$101

less

🛒Groceries

↓ 7.8%

Santa Rosa, CA

$1,030

St. Louis, MO

$949

Difference

$80.39

less

🏛️ Local Income Taxes

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

Santa Rosa, 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$1,331

To$910

↓ $421

1 Bed

From$1,469

To$950

↓ $519

2 Bed

From$1,928

To$1,160

↓ $768

3 Bed

From$2,649

To$1,490

↓ $1,159

Santa Rosa, CAZIP-level data

1BR range: $1,940–$2,470/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.

$12,177

Monthly in Santa Rosa, CA

$6,705

Monthly in St. Louis, MO

$5,472

Difference

Home Values

Santa Rosa

St. Louis

$713K

Median Value

$145K

↓ -2.8%

YoY Change

↓ -0.8%

↑ +12.2%

5-Year Change

↑ +10.9%

$620K - $797K

Price Range

$38K - $302K

Homes in St. Louis are 80% less expensive than Santa Rosa

Calculate payment - Santa Rosa 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

Santa Rosa, 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

Santa Rosa, 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.