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Cost of Living Comparison 2026

📍 St. Charles, MO — ZIP-level rent data · COL adjusted from St. Louis, MO area

$

Numbers update automatically as you type

You'd spend $1.7K/month more in Austin, TX

$150.0K in your current city equals $170.0K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from St. Louis, MO-IL area
Overall Cost
↑ 22.2%
More expensive
Monthly Impact
$1,665
Extra cost
Annual Impact
$20.0K
Per year

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

St. Charles, MO

Population:72K
Cost Index:100
Median Home:$345K

Austin, TX

Population:979K
Cost Index:122
Median Home:$558K

St. Charles, MO

The Show-Me State

72K
Population
State Tax
Yes

Located in Missouri, this city has a population of 72K residents.

Austin, TX

The Lone Star State

979K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • •Live music capital
  • •Major tech hub
  • •SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: St. Charles, MO vs Austin, TX

🏠Housing
↑ 76.8%
St. Charles, MO
$1,631
Austin, TX
$2,885
Difference
$1,253
more
📦Other
↑ 11.8%
St. Charles, MO
$1,557
Austin, TX
$1,741
Difference
$184
more
🚗Transportation
↑ 9.0%
St. Charles, MO
$1,178
Austin, TX
$1,284
Difference
$106
more
🏥Healthcare
↑ 13.5%
St. Charles, MO
$518
Austin, TX
$589
Difference
$70.23
more
🛒Groceries
↑ 2.7%
St. Charles, MO
$934
Austin, TX
$959
Difference
$24.90
more
⚡All Utilities
↑ 2.6%
St. Charles, MO
$527
Austin, TX
$541
Difference
$13.87
more

🏠Rent Comparison

Studio
From$964
To$1,585
↑ $621
1 Bed
From$1,005
To$1,685
↑ $680
2 Bed
From$1,227
To$1,995
↑ $768
3 Bed
From$1,581
To$2,525
↑ $944
St. Charles, MOZIP-level data

1BR range: $1,000–$1,410/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/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.

$6,346
Monthly in St. Charles, MO
$7,998
Monthly in Austin, TX
$1,652
Difference

Home Values

St. Charles
Austin
$345K
Median Value
$558K
↑ +0.9%
YoY Change
↓ -5%
↑ +33.2%
5-Year Change
↑ +12.6%
$307K - $390K
Price Range
$272K - $1.26M

Homes in Austin are 62% more expensive than St. Charles

Calculate payment - St. CharlesCalculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $7.9K
Per year
Monthly Difference
$661
More take-home
Effective Rate Diff
5.3%
Rate difference

St. Charles, 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

Austin, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

St. Charles, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Austin, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

💡 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.

Environment

St. Charles
Austin
54 Moderate
Air Quality
52 Moderate
38%
Good Air Days
42.6%
99 High
Climate Risk
98 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
▲+3.0°F
2050 Outlook
▲+2.5°F
39 days
Heat Days >95°F
98 days
▲+3.0°F
2050 Outlook
▲+2.5°F
39 days
Heat Days >95°F
98 days

💰 See how taxes change too — compare take-home pay between Missouri and Texas on TaxTakeHome.com

Similar cost to Austin, TX

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