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 $1.4K/month more in Phoenix, AZ

$150.0K in your current city equals $166.8K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 18.6%
More expensive
Monthly Impact
$1,398
Extra cost
Annual Impact
$16.8K
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

Phoenix, AZ

Population:1608K
Cost Index:119
Median Home:$414K

St. Joseph, MO

The Show-Me State

71K
Population
State Tax
Yes

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

Phoenix, AZ

The Grand Canyon State

1.6M
Population
State Tax
Yes
Climate
Hot desert

Notable Facts

  • •Fastest growing major city
  • •Desert metropolis
  • •Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: St. Joseph, MO vs Phoenix, AZ

🏠Housing
↑ 52.3%
St. Joseph, MO
$1,831
Phoenix, AZ
$2,788
Difference
$957
more
🚗Transportation
↑ 26.7%
St. Joseph, MO
$1,175
Phoenix, AZ
$1,489
Difference
$314
more
📦Other
↑ 8.0%
St. Joseph, MO
$1,553
Phoenix, AZ
$1,677
Difference
$124
more
⚡All Utilities
↑ 6.6%
St. Joseph, MO
$526
Phoenix, AZ
$561
Difference
$34.73
more
🛒Groceries
↑ 3.2%
St. Joseph, MO
$933
Phoenix, AZ
$963
Difference
$30.03
more
🏥Healthcare
↓ 1.4%
St. Joseph, MO
$597
Phoenix, AZ
$589
Difference
$8.33
less

🏠Rent Comparison

Studio
From$649
To$1,390
↑ $741
1 Bed
From$698
To$1,510
↑ $812
2 Bed
From$904
To$1,750
↑ $846
3 Bed
From$1,142
To$2,330
↑ $1,188
St. Joseph, MOZIP-level data

1BR range: $800–$900/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/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
$8,068
Monthly in Phoenix, AZ
$1,452
Difference

Home Values

St. Joseph
Phoenix
$161K
Median Value
$414K
↑ +6.7%
YoY Change
↓ -3.1%
↑ +37.2%
5-Year Change
↑ +30.2%
$119K - $266K
Price Range
$274K - $957K

Homes in Phoenix are 157% more expensive than St. Joseph

Calculate payment - St. JosephCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.7K
Per year
Monthly Difference
$225
More take-home
Effective Rate Diff
1.8%
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

Phoenix, AZ

Federal Income Tax
Effective: 18.9%
$25.5K
Arizona State Tax
Effective: 3.5%
$5.2K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.2%
$42.2K
Take-Home Pay
$8,979/month
$107.8K

Additional Tax Information

St. Joseph, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Phoenix, AZ Tax Rates

Sales Tax:8.5%
Property Tax:0.6%

💡 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
Phoenix
46 Good
Air Quality
77 Moderate
59.3%
Good Air Days
9%
97 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+3.3°F
2050 Outlook
▲+2.7°F
44 days
Heat Days >95°F
162 days
▲+3.3°F
2050 Outlook
▲+2.7°F
44 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

Other cities in a similar price range

Denver, CORaleigh, NCCharlotte, NC

Want to compare different cities?

New Comparison