Is St. Louis, MO cheaper than St. Paul, MN?

Based on cost of living data, St. Louis, MO is 17.1% cheaper than St. Paul, MN. This translates to saving $1286 per month.

What salary do I need in St. Louis, MO to live like I do in St. Paul, MN?

If you earn $150,000 in St. Paul, MN, you'd need approximately $134,571.429 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between St. Paul, MN and St. Louis, MO?

Housing in St. Louis, MO is 30.8% cheaper than in St. Paul, MN. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,680/month in St. Paul, MN.

How much can I save per month by moving from St. Paul, MN to St. Louis, MO?

Moving from St. Paul, MN to St. Louis, MO could save you approximately $1286 per month, or $15429 per year, based on a $150,000 salary.

St. Paul, MN vs St. Louis, MO: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in St. Paul, MN

Numbers update automatically as you type

You'd save $1.3K/month moving to St. Louis, MO

$150.0K in your current city equals $134.6K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area

Overall Cost

↓ 17.1%

Less expensive

Monthly Impact

$1,286

Savings

Annual Impact

$15.4K

Per year

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

St. Paul, MN

Population:304K

Cost Index:

100

100 = national average

Median Home:$274K

St. Louis, MO

Population:302K

Cost Index:

(17% below avg)

Median Home:$145K

St. Paul, MN

The North Star State

304K

Population

State Tax

Yes

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

St. Louis, MO

The Show-Me State

302K

Population

State Tax

Yes

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

Cost Breakdown by Category

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

Category	St. Paul, MN	St. Louis, MO	Difference	Change
Housing	$2,703/mo	$1,871/mo	↓ $832less	30.8%
Healthcare	$756/mo	$527/mo	↓ $229less	30.3%
Transportation	$1,380/mo	$1,216/mo	↓ $164less	11.9%
Other	$1,724/mo	$1,607/mo	↓ $117less	6.8%
Groceries	$1,029/mo	$949/mo	↓ $79.94less	7.8%
All Utilities	$508/mo	$535/mo	↑ $27.32more	5.4%

Housing

↓ 30.8%

St. Paul, MN

$2,703

St. Louis, MO

$1,871

Difference

$832

less

Healthcare

↓ 30.3%

St. Paul, MN

$756

St. Louis, MO

$527

Difference

$229

less

Transportation

↓ 11.9%

St. Paul, MN

$1,380

St. Louis, MO

$1,216

Difference

$164

less

Other

↓ 6.8%

St. Paul, MN

$1,724

St. Louis, MO

$1,607

Difference

$117

less

Groceries

↓ 7.8%

St. Paul, MN

$1,029

St. Louis, MO

$949

Difference

$79.94

less

All Utilities

↑ 5.4%

St. Paul, MN

$508

St. Louis, MO

$535

Difference

$27.32

🏛️ 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$1,220

To$910

↓ $310

1 Bed

From$1,380

To$950

↓ $430

2 Bed

From$1,680

To$1,160

↓ $520

3 Bed

From$2,225

To$1,490

↓ $735

St. Paul, MNZIP-level data

1BR range: $1,250–$1,680/mo

St. Louis, MOZIP-level data

1BR range: $800–$1,480/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.

$8,100

Monthly in St. Paul, MN

$6,705

Monthly in St. Louis, MO

$1,395

Difference

Home Values

St. Paul

St. Louis

Median Value

$145K

YoY Change

↓ -0.8%

5-Year Change

↑ +10.9%

Price Range

$38K - $302K

Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.5K

Per year

Monthly Difference

$209

More take-home

Effective Rate Diff

1.7%

Rate difference

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

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

Additional Tax Information

St. Paul, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

St. Louis, MO Tax Rates

Sales Tax:8.2%

Property Tax:1.0%

💡 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.