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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $345/month more in San Antonio, TX

$150.0K in your current city equals $154.1K in San Antonio, TX

Rent data from HUD ZIP-level estimates ยท COL index from St. Louis, MO-IL area
Overall Cost
โ†‘ 4.6%
More expensive
Monthly Impact
$345
Extra cost
Annual Impact
$4.1K
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

San Antonio, TX

Population:1547K
Cost Index:
105
(5% above avg)
Median Home:$215K

St. Louis, MO

The Show-Me State

302K
Population
State Tax
Yes

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

San Antonio, TX

The Lone Star State

1.5M
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 1.5M residents.

๐Ÿ’ก Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: St. Louis, MO vs San Antonio, TX

Housing
โ†‘ 12.2%
St. Louis, MO
$1,871
San Antonio, TX
$2,100
Difference
$229
more
Transportation
โ†‘ 5.8%
St. Louis, MO
$1,216
San Antonio, TX
$1,287
Difference
$71.03
more
Other
โ†‘ 2.5%
St. Louis, MO
$1,607
San Antonio, TX
$1,647
Difference
$40.18
more
All Utilities
โ†“ 7.4%
St. Louis, MO
$535
San Antonio, TX
$496
Difference
$39.89
less
Groceries
โ†“ 3.8%
St. Louis, MO
$949
San Antonio, TX
$913
Difference
$35.97
less
Healthcare
โ†’ 0.0%
St. Louis, MO
$527
San Antonio, TX
$527
Difference
$0
same

๐Ÿ›๏ธ Local Income Taxes

St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)

San Antonio, TX has no local income tax.

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

๐Ÿ Rent Comparison

Studio
From$910
To$1,110
โ†‘ $200
1 Bed
From$950
To$1,210
โ†‘ $260
2 Bed
From$1,160
To$1,470
โ†‘ $310
3 Bed
From$1,490
To$1,890
โ†‘ $400
St. Louis, MOZIP-level data

1BR range: $800โ€“$1,480/mo

San Antonio, TXZIP-level data

1BR range: $840โ€“$1,770/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.

$6,705
Monthly in St. Louis, MO
$6,969
Monthly in San Antonio, TX
$264
Difference

Home Values

St. Louis
San Antonio
$145K
Median Value
$215K
โ†“ -0.8%
YoY Change
โ†“ -2.9%
โ†‘ +10.9%
5-Year Change
โ†‘ +16.7%
$38K - $302K
Price Range
$107K - $905K

Homes in San Antonio are 49% 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
โ†‘ $7.9K
Per year
Monthly Difference
$661
More take-home
Effective Rate Diff
5.3%
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

San Antonio, 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. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

San Antonio, 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. Louis
San Antonio
54 Moderate
Air Quality
52 Moderate
38%
Good Air Days
47.5%
99 High
Climate Risk
99 High
๐ŸŒŠ๐ŸŒก๐Ÿซจ
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+2.6ยฐF
39 days
Heat Days >95ยฐF
105 days
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+2.6ยฐF
39 days
Heat Days >95ยฐF
105 days

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

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