MN
MoveNumbers
MoveNumbers
Tap to swap

Cost of Living Comparison 2026

📍 St. Joseph, MO — ZIP-level rent data · COL adjusted from Kansas City, MO area

$

Numbers update automatically as you type

You'd spend $864/month more in Charlotte, NC

$150.0K in your current city equals $160.4K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 11.5%
More expensive
Monthly Impact
$864
Extra cost
Annual Impact
$10.4K
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

Charlotte, NC

Population:875K
Cost Index:112
Median Home:$399K

St. Joseph, MO

The Show-Me State

71K
Population
State Tax
Yes

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

Charlotte, NC

The Tar Heel State

875K
Population
State Tax
Yes
Climate
Humid subtropical

Notable Facts

  • •Major banking center
  • •NASCAR headquarters
  • •Queen City

Major Industries

FinanceTechnologyEnergyMotorsports

Cost Breakdown by Category

Annual spending: St. Joseph, MO vs Charlotte, NC

🏠Housing
↑ 34.8%
St. Joseph, MO
$1,831
Charlotte, NC
$2,469
Difference
$638
more
📦Other
↑ 9.9%
St. Joseph, MO
$1,553
Charlotte, NC
$1,707
Difference
$154
more
🛒Groceries
↑ 6.0%
St. Joseph, MO
$933
Charlotte, NC
$989
Difference
$56.01
more
🏥Healthcare
↑ 6.9%
St. Joseph, MO
$597
Charlotte, NC
$638
Difference
$41.24
more
🚗Transportation
↑ 2.3%
St. Joseph, MO
$1,175
Charlotte, NC
$1,202
Difference
$27.07
more
⚡All Utilities
↓ 1.4%
St. Joseph, MO
$526
Charlotte, NC
$519
Difference
$7.34
less

🏠Rent Comparison

Studio
From$649
To$1,630
↑ $981
1 Bed
From$698
To$1,710
↑ $1,012
2 Bed
From$904
To$1,870
↑ $966
3 Bed
From$1,142
To$2,300
↑ $1,158
St. Joseph, MOZIP-level data

1BR range: $800–$900/mo

Charlotte, NCZIP-level data

1BR range: $1,340–$2,310/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.

$6,616
Monthly in St. Joseph, MO
$7,525
Monthly in Charlotte, NC
$909
Difference

Home Values

St. Joseph
Charlotte
$161K
Median Value
$399K
↑ +6.7%
YoY Change
↓ -1.1%
↑ +37.2%
5-Year Change
↑ +40.8%
$119K - $266K
Price Range
$293K - $1.57M

Homes in Charlotte are 148% more expensive than St. Joseph

Calculate payment - St. JosephCalculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $804
Per year
Monthly Difference
$67.00
More take-home
Effective Rate Diff
0.5%
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

Charlotte, NC

Federal Income Tax
Effective: 18.9%
$25.5K
North Carolina State Tax
Effective: 4.8%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,822/month
$105.9K

Additional Tax Information

St. Joseph, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Charlotte, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

💡 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. Joseph
Charlotte
46 Good
Air Quality
51 Moderate
59.3%
Good Air Days
46.2%
97 High
Climate Risk
97 High
🌊🌡🌪
Top Hazards
🌊🌪💨
▲+3.3°F
2050 Outlook
▲+2.9°F
44 days
Heat Days >95°F
36 days
▲+3.3°F
2050 Outlook
▲+2.9°F
44 days
Heat Days >95°F
36 days

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

Similar cost to Charlotte, NC

Other cities in a similar price range

Austin, TXDenver, CONashville, TN

Want to compare different cities?

New Comparison