Is Kansas City, MO cheaper than St. Cloud, FL?

Based on cost of living data, Kansas City, MO is 9.6% cheaper than St. Cloud, FL. This translates to saving $721 per month.

What salary do I need in Kansas City, MO to live like I do in St. Cloud, FL?

If you earn $150,000 in St. Cloud, FL, you'd need approximately $141,347.477 in Kansas City, MO to maintain the same standard of living.

How does housing cost compare between St. Cloud, FL and Kansas City, MO?

Housing in Kansas City, MO is 10.5% cheaper than in St. Cloud, FL. For a two-bedroom apartment, rent is $1,460/month in Kansas City, MO compared to $1,742/month in St. Cloud, FL.

How much can I save per month by moving from St. Cloud, FL to Kansas City, MO?

Moving from St. Cloud, FL to Kansas City, MO could save you approximately $721 per month, or $8653 per year, based on a $150,000 salary.

St. Cloud, FL vs Kansas City, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 St. Cloud, FL — ZIP-level rent data · COL adjusted from Orlando, FL area

Current salary in St. Cloud, FL

Numbers update automatically as you type

You'd save $721/month moving to Kansas City, MO

$150.0K in your current city equals $141.3K in Kansas City, MO

Rent data from HUD ZIP-level estimates · COL index from Orlando-Kissimmee-Sanford, FL area

Overall Cost

↓ 9.6%

Less expensive

Monthly Impact

$721

Savings

Annual Impact

$8.7K

Per year

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

St. Cloud, FL

Population:66K

Cost Index:100

Median Home:$386K

Kansas City, MO

Population:508K

Cost Index:90

Median Home:$257K

St. Cloud, FL

The Sunshine State

66K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 66K residents.

💡 Advantage: Florida has no state income tax!

Kansas City, MO

The Show-Me State

508K

Population

State Tax

Yes

Located in Missouri, this city has a population of 508K residents.

Cost Breakdown by Category

Annual spending: St. Cloud, FL vs Kansas City, MO

Category	St. Cloud, FL	Kansas City, MO	Difference	Change
🏠Housing	$2,351/mo	$2,105/mo	↓ $247less	10.5%
📦Other	$1,748/mo	$1,607/mo	↓ $141less	8.1%
🛒Groceries	$1,002/mo	$949/mo	↓ $52.85less	5.3%
🏥Healthcare	$560/mo	$607/mo	↑ $46.74more	8.3%
⚡All Utilities	$564/mo	$535/mo	↓ $28.62less	5.1%
🚗Transportation	$1,241/mo	$1,216/mo	↓ $25.58less	2.1%

🏠Housing

↓ 10.5%

St. Cloud, FL

$2,351

Kansas City, MO

$2,105

Difference

$247

less

📦Other

↓ 8.1%

St. Cloud, FL

$1,748

Kansas City, MO

$1,607

Difference

$141

less

🛒Groceries

↓ 5.3%

St. Cloud, FL

$1,002

Kansas City, MO

$949

Difference

$52.85

less

🏥Healthcare

↑ 8.3%

St. Cloud, FL

$560

Kansas City, MO

$607

Difference

$46.74

⚡All Utilities

↓ 5.1%

St. Cloud, FL

$564

Kansas City, MO

$535

Difference

$28.62

less

🚗Transportation

↓ 2.1%

St. Cloud, FL

$1,241

Kansas City, MO

$1,216

Difference

$25.58

less

🏛️ Local Income Taxes

Kansas City, MO: Kansas City Earnings Tax$1,500/yr (1.0%)

St. Cloud, FL 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$1,459

To$1,180

↓ $279

1 Bed

From$1,528

To$1,280

↓ $248

2 Bed

From$1,742

To$1,460

↓ $282

3 Bed

From$2,186

To$1,900

↓ $286

St. Cloud, FLZIP-level data

1BR range: $1,420–$2,420/mo

Kansas City, MOZIP-level data

1BR range: $900–$1,800/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.

$7,467

Monthly in St. Cloud, FL

$7,020

Monthly in Kansas City, MO

$448

Difference

Home Values

St. Cloud

Kansas City

$386K

Median Value

$257K

↓ -4.5%

YoY Change

↑ +0.6%

↑ +33.4%

5-Year Change

↑ +32.2%

$312K - $435K

Price Range

$80K - $587K

Homes in Kansas City are 33% less expensive than St. Cloud

Calculate payment - St. Cloud Calculate payment - Kansas City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $7.9K

More taxes

Monthly Difference

$661

Less take-home

Effective Rate Diff

5.3%

Rate difference

St. Cloud, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Kansas City, 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

St. Cloud, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Kansas City, 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.