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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd spend $172/month more in Cincinnati, OH

$150.0K in your current city equals $152.1K in Cincinnati, OH

Rent data from HUD ZIP-level estimates · COL index from St. Louis, MO-IL area
Overall Cost
2.3%
More expensive
Monthly Impact
$172
Extra cost
Annual Impact
$2.1K
Per year

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

St. Louis, MO

Population:302K
Cost Index:
100
100 = national average
Median Home:$145K

Cincinnati, OH

Population:309K
Cost Index:
102
(2% above avg)
Median Home:$225K

St. Louis, MO

The Show-Me State

302K
Population
State Tax
Yes

Located in Missouri, this city has a population of 302K residents.

Cincinnati, OH

The Buckeye State

309K
Population
State Tax
Yes

Located in Ohio, this city has a population of 309K residents.

Cost Breakdown by Category

Annual spending: St. Louis, MO vs Cincinnati, OH

Housing
11.1%
St. Louis, MO
$1,871
Cincinnati, OH
$2,079
Difference
$208
more
All Utilities
13.3%
St. Louis, MO
$535
Cincinnati, OH
$464
Difference
$71.03
less
Healthcare
7.1%
St. Louis, MO
$527
Cincinnati, OH
$564
Difference
$37.17
more
Groceries
3.2%
St. Louis, MO
$949
Cincinnati, OH
$919
Difference
$29.98
less
Transportation
0.0%
St. Louis, MO
$1,216
Cincinnati, OH
$1,216
Difference
$0
same
Other
0.0%
St. Louis, MO
$1,607
Cincinnati, OH
$1,607
Difference
$0
same

🏛️ Local Income Taxes

St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)
Cincinnati, OH: Cincinnati Earnings Tax$2,700/yr (1.8%)
Net difference+$1,200/yr

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

🏠Rent Comparison

Studio
From$910
To$850
$60.00
1 Bed
From$950
To$935
$15.00
2 Bed
From$1,160
To$1,200
$40.00
3 Bed
From$1,490
To$1,585
$95.00
St. Louis, MOZIP-level data

1BR range: $800$1,480/mo

Cincinnati, OHZIP-level data

1BR range: $760$1,580/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.

$6,705
Monthly in St. Louis, MO
$6,849
Monthly in Cincinnati, OH
$144
Difference

Home Values

St. Louis
Cincinnati
$145K
Median Value
$225K
↓ -0.8%
YoY Change
↑ +1.2%
↑ +10.9%
5-Year Change
↑ +31.9%
$38K - $302K
Price Range
$113K - $592K

Homes in Cincinnati are 55% more expensive than St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$3.5K
Per year
Monthly Difference
$292
More take-home
Effective Rate Diff
2.3%
Rate difference

St. Louis, 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

Cincinnati, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

Additional Tax Information

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Cincinnati, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

💡 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. Louis
Cincinnati
54 Moderate
Air Quality
52 Moderate
38%
Good Air Days
44.8%
99 High
Climate Risk
96 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
+3.0°F
2050 Outlook
+3.1°F
39 days
Heat Days >95°F
29 days
+3.0°F
2050 Outlook
+3.1°F
39 days
Heat Days >95°F
29 days

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

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