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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $1.6K/month more in St. Paul, MN

$150.0K in your current city equals $168.6K in St. Paul, MN

Rent data from HUD ZIP-level estimates · COL index from St. Louis, MO-IL area
Overall Cost
20.7%
More expensive
Monthly Impact
$1,552
Extra cost
Annual Impact
$18.6K
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

St. Paul, MN

Population:304K
Cost Index:
121
(21% above avg)
Median Home:$274K

St. Louis, MO

The Show-Me State

302K
Population
State Tax
Yes

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

St. Paul, MN

The North Star State

304K
Population
State Tax
Yes

Located in Minnesota, this city has a population of 304K residents.

Cost Breakdown by Category

Annual spending: St. Louis, MO vs St. Paul, MN

Housing
44.4%
St. Louis, MO
$1,871
St. Paul, MN
$2,703
Difference
$832
more
Healthcare
43.5%
St. Louis, MO
$527
St. Paul, MN
$756
Difference
$229
more
Transportation
13.5%
St. Louis, MO
$1,216
St. Paul, MN
$1,380
Difference
$164
more
Other
7.3%
St. Louis, MO
$1,607
St. Paul, MN
$1,724
Difference
$117
more
Groceries
8.4%
St. Louis, MO
$949
St. Paul, MN
$1,029
Difference
$79.94
more
All Utilities
5.1%
St. Louis, MO
$535
St. Paul, MN
$508
Difference
$27.32
less

🏛️ Local Income Taxes

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

St. Paul, MN has no local income tax.

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

🏠Rent Comparison

Studio
From$910
To$1,220
$310
1 Bed
From$950
To$1,380
$430
2 Bed
From$1,160
To$1,680
$520
3 Bed
From$1,490
To$2,225
$735
St. Louis, MOZIP-level data

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

St. Paul, MNZIP-level data

1BR range: $1,250$1,680/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
$8,100
Monthly in St. Paul, MN
$1,395
Difference

Home Values

St. Louis
St. Paul
$145K
Median Value
-
↓ -0.8%
YoY Change
-
↑ +10.9%
5-Year Change
-
$38K - $302K
Price Range
-

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$2.5K
More taxes
Monthly Difference
$209
Less take-home
Effective Rate Diff
1.7%
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

St. Paul, MN

Federal Income Tax
Effective: 18.9%
$25.5K
Minnesota State Tax
Effective: 7.0%
$10.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.6%
$47.4K
Take-Home Pay
$8,546/month
$102.6K

Additional Tax Information

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

St. Paul, MN Tax Rates

Sales Tax:8.0%
Property Tax:1.1%

💡 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
St. Paul
54 Moderate
Air Quality
36 Good
38%
Good Air Days
72.4%
99 High
Climate Risk
95 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
+3.0°F
2050 Outlook
+3.7°F
39 days
Heat Days >95°F
14 days
+3.0°F
2050 Outlook
+3.7°F
39 days
Heat Days >95°F
14 days

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

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