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Cost of Living Comparison 2026

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

$

Numbers update automatically as you type

You'd spend $1.4K/month more in Austin, TX

$150.0K in your current city equals $166.6K in Austin, TX

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 18.4%
More expensive
Monthly Impact
$1,381
Extra cost
Annual Impact
$16.6K
Per year

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

St. Joseph, MO

Population:71K
Cost Index:100
Median Home:$161K

Austin, TX

Population:979K
Cost Index:118
Median Home:$558K

St. Joseph, MO

The Show-Me State

71K
Population
State Tax
Yes

Located in Missouri, this city has a population of 71K residents.

Austin, TX

The Lone Star State

979K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • โ€ขLive music capital
  • โ€ขMajor tech hub
  • โ€ขSXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

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

๐Ÿ Housing
โ†‘ 57.5%
St. Joseph, MO
$1,831
Austin, TX
$2,885
Difference
$1,054
more
๐Ÿ“ฆOther
โ†‘ 12.1%
St. Joseph, MO
$1,553
Austin, TX
$1,741
Difference
$188
more
๐Ÿš—Transportation
โ†‘ 9.3%
St. Joseph, MO
$1,175
Austin, TX
$1,284
Difference
$109
more
๐Ÿ›’Groceries
โ†‘ 2.8%
St. Joseph, MO
$933
Austin, TX
$959
Difference
$26.03
more
โšกAll Utilities
โ†‘ 2.8%
St. Joseph, MO
$526
Austin, TX
$541
Difference
$14.51
more
๐ŸฅHealthcare
โ†“ 1.4%
St. Joseph, MO
$597
Austin, TX
$589
Difference
$8.33
less

๐Ÿ Rent Comparison

Studio
From$649
To$1,585
โ†‘ $936
1 Bed
From$698
To$1,685
โ†‘ $987
2 Bed
From$904
To$1,995
โ†‘ $1,091
3 Bed
From$1,142
To$2,525
โ†‘ $1,383
St. Joseph, MOZIP-level data

1BR range: $800โ€“$900/mo

Austin, TXZIP-level data

1BR range: $1,490โ€“$2,350/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.

$6,616
Monthly in St. Joseph, MO
$7,998
Monthly in Austin, TX
$1,383
Difference

Home Values

St. Joseph
Austin
$161K
Median Value
$558K
โ†‘ +6.7%
YoY Change
โ†“ -5%
โ†‘ +37.2%
5-Year Change
โ†‘ +12.6%
$119K - $266K
Price Range
$272K - $1.26M

Homes in Austin are 247% more expensive than St. Joseph

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

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

St. Joseph, 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. Joseph, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Austin, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

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. Joseph
Austin
46 Good
Air Quality
52 Moderate
59.3%
Good Air Days
42.6%
97 High
Climate Risk
98 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.3ยฐF
2050 Outlook
โ–ฒ+2.5ยฐF
44 days
Heat Days >95ยฐF
98 days
โ–ฒ+3.3ยฐF
2050 Outlook
โ–ฒ+2.5ยฐF
44 days
Heat Days >95ยฐF
98 days

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

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