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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

St. Louis, MO and Indianapolis, IN have similar living costs

$150.0K in your current city equals $150.0K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from St. Louis, MO-IL area
Overall Cost
0.0%
Same cost
Monthly Impact
$0
No change
Annual Impact
$0
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

Indianapolis, IN

Population:888K
Cost Index:
100
(national average)
Median Home:$176K

St. Louis, MO

The Show-Me State

302K
Population
State Tax
Yes

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

Indianapolis, IN

The Hoosier State

888K
Population
State Tax
Yes

Located in Indiana, this city has a population of 888K residents.

Cost Breakdown by Category

Annual spending: St. Louis, MO vs Indianapolis, IN

Housing
4.2%
St. Louis, MO
$1,871
Indianapolis, IN
$1,949
Difference
$77.96
more
Healthcare
10.6%
St. Louis, MO
$527
Indianapolis, IN
$582
Difference
$55.76
more
All Utilities
6.1%
St. Louis, MO
$535
Indianapolis, IN
$503
Difference
$32.79
less
Groceries
3.2%
St. Louis, MO
$949
Indianapolis, IN
$919
Difference
$29.98
less
Transportation
2.2%
St. Louis, MO
$1,216
Indianapolis, IN
$1,188
Difference
$27.32
less
Other
1.0%
St. Louis, MO
$1,607
Indianapolis, IN
$1,590
Difference
$16.74
less

🏛️ Local Income Taxes

St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)
Indianapolis, IN: Marion County Income Tax$3,030/yr (2.0%)
Net difference+$1,530/yr

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

🏠Rent Comparison

Studio
From$910
To$1,030
$120
1 Bed
From$950
To$1,170
$220
2 Bed
From$1,160
To$1,360
$200
3 Bed
From$1,490
To$1,760
$270
St. Louis, MOZIP-level data

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

Indianapolis, INZIP-level data

1BR range: $1,080$1,870/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
$6,732
Monthly in Indianapolis, IN
$26.90
Difference

Home Values

St. Louis
Indianapolis
$145K
Median Value
$176K
↓ -0.8%
YoY Change
↓ -1.1%
↑ +10.9%
5-Year Change
↑ +26.9%
$38K - $302K
Price Range
$109K - $340K

Homes in Indianapolis are 22% 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
$3.1K
Per year
Monthly Difference
$257
More take-home
Effective Rate Diff
2.1%
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

Indianapolis, IN

Federal Income Tax
Effective: 18.9%
$25.5K
Indiana State Tax
Effective: 3.2%
$4.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.9%
$41.9K
Take-Home Pay
$9,012/month
$108.1K

Additional Tax Information

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Indianapolis, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

💡 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
Indianapolis
54 Moderate
Air Quality
54 Moderate
38%
Good Air Days
36.6%
99 High
Climate Risk
97 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
+3.0°F
2050 Outlook
+3.1°F
39 days
Heat Days >95°F
18 days
+3.0°F
2050 Outlook
+3.1°F
39 days
Heat Days >95°F
18 days

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

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