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Cost of Living Comparison 2026

๐Ÿ“ St. Charles, MO โ€” ZIP-level rent data ยท COL adjusted from St. Louis, MO area

$

Numbers update automatically as you type

You'd spend $2.3K/month more in Denver, CO

$150.0K in your current city equals $177.5K in Denver, CO

Rent data from HUD ZIP-level estimates ยท COL index from St. Louis, MO-IL area
Overall Cost
โ†‘ 30.5%
More expensive
Monthly Impact
$2,288
Extra cost
Annual Impact
$27.5K
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

Denver, CO

Population:716K
Cost Index:131
Median Home:$513K

St. Charles, MO

The Show-Me State

72K
Population
State Tax
Yes

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

Denver, CO

The Centennial State

716K
Population
State Tax
Yes
Climate
Semi-arid

Notable Facts

  • โ€ขMile-high city (5,280 ft)
  • โ€ขOutdoor recreation hub
  • โ€ขMajor cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: St. Charles, MO vs Denver, CO

๐Ÿ Housing
โ†‘ 99.1%
St. Charles, MO
$1,631
Denver, CO
$3,248
Difference
$1,617
more
๐Ÿš—Transportation
โ†‘ 24.1%
St. Charles, MO
$1,178
Denver, CO
$1,462
Difference
$284
more
๐Ÿ“ฆOther
โ†‘ 14.0%
St. Charles, MO
$1,557
Denver, CO
$1,774
Difference
$217
more
๐ŸฅHealthcare
โ†‘ 21.9%
St. Charles, MO
$518
Denver, CO
$632
Difference
$114
more
๐Ÿ›’Groceries
โ†‘ 10.2%
St. Charles, MO
$934
Denver, CO
$1,029
Difference
$94.85
more
โšกAll Utilities
โ†“ 1.5%
St. Charles, MO
$527
Denver, CO
$519
Difference
$7.98
less

๐Ÿ›๏ธ Local Income Taxes

Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)

St. Charles, MO has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

๐Ÿ Rent Comparison

Studio
From$964
To$1,720
โ†‘ $756
1 Bed
From$1,005
To$1,840
โ†‘ $835
2 Bed
From$1,227
To$2,190
โ†‘ $963
3 Bed
From$1,581
To$2,870
โ†‘ $1,289
St. Charles, MOZIP-level data

1BR range: $1,000โ€“$1,410/mo

Denver, COZIP-level data

1BR range: $1,620โ€“$2,540/mo

๐Ÿ’ก 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
$8,665
Monthly in Denver, CO
$2,319
Difference

Home Values

St. Charles
Denver
$345K
Median Value
$513K
โ†‘ +0.9%
YoY Change
โ†“ -4.2%
โ†‘ +33.2%
5-Year Change
โ†‘ +13%
$307K - $390K
Price Range
$352K - $933K

Homes in Denver are 49% more expensive than St. Charles

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $1.3K
Per year
Monthly Difference
$111
More take-home
Effective Rate Diff
0.9%
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

Denver, CO

Federal Income Tax
Effective: 18.9%
$25.5K
Colorado State Tax
Effective: 4.4%
$6.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.1%
$43.6K
Take-Home Pay
$8,866/month
$106.4K

Additional Tax Information

St. Charles, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Denver, CO Tax Rates

Sales Tax:7.8%
Property Tax:0.5%

๐Ÿ’ก 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
Denver
54 Moderate
Air Quality
55 Moderate
38%
Good Air Days
35.2%
99 High
Climate Risk
95 High
๐ŸŒŠ๐ŸŒก๐Ÿซจ
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
39 days
Heat Days >95ยฐF
28 days
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
39 days
Heat Days >95ยฐF
28 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Missouri and Colorado on TaxTakeHome.com

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