Is St. Louis, MO cheaper than Thousand Oaks, CA?

Based on cost of living data, St. Louis, MO is 40.4% cheaper than Thousand Oaks, CA. This translates to saving $3031 per month.

What salary do I need in St. Louis, MO to live like I do in Thousand Oaks, CA?

If you earn $150,000 in Thousand Oaks, CA, you'd need approximately $113,630.137 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Thousand Oaks, CA and St. Louis, MO?

Housing in St. Louis, MO is 64.7% cheaper than in Thousand Oaks, CA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,970/month in Thousand Oaks, CA.

How much can I save per month by moving from Thousand Oaks, CA to St. Louis, MO?

Moving from Thousand Oaks, CA to St. Louis, MO could save you approximately $3031 per month, or $36370 per year, based on a $150,000 salary.

Thousand Oaks, CA vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Thousand Oaks, CA — ZIP-level rent data · COL adjusted from Oxnard, CA area

Current salary in Thousand Oaks, CA

Numbers update automatically as you type

You'd save $3.0K/month moving to St. Louis, MO

$150.0K in your current city equals $113.6K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Los Angeles-Long Beach-Anaheim, CA area

Overall Cost

↓ 40.4%

Less expensive

Monthly Impact

$3,031

Savings

Annual Impact

$36.4K

Per year

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

Thousand Oaks, CA

Population:123K

Cost Index:100

Median Home:$987K

St. Louis, MO

Population:302K

Cost Index:60

Median Home:$145K

Thousand Oaks, CA

The Golden State

123K

Population

State Tax

Yes

Located in California, this city has a population of 123K 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: Thousand Oaks, CA vs St. Louis, MO

Category	Thousand Oaks, CA	St. Louis, MO	Difference	Change
🏠Housing	$5,301/mo	$1,871/mo	↓ $3,430less	64.7%
🚗Transportation	$2,158/mo	$1,216/mo	↓ $943less	43.7%
📦Other	$1,975/mo	$1,607/mo	↓ $368less	18.6%
🛒Groceries	$1,039/mo	$949/mo	↓ $89.93less	8.7%
🏥Healthcare	$551/mo	$527/mo	↓ $24.78less	4.5%
⚡All Utilities	$557/mo	$535/mo	↓ $21.86less	3.9%

🏠Housing

↓ 64.7%

Thousand Oaks, CA

$5,301

St. Louis, MO

$1,871

Difference

$3,430

less

🚗Transportation

↓ 43.7%

Thousand Oaks, CA

$2,158

St. Louis, MO

$1,216

Difference

$943

less

📦Other

↓ 18.6%

Thousand Oaks, CA

$1,975

St. Louis, MO

$1,607

Difference

$368

less

🛒Groceries

↓ 8.7%

Thousand Oaks, CA

$1,039

St. Louis, MO

$949

Difference

$89.93

less

🏥Healthcare

↓ 4.5%

Thousand Oaks, CA

$551

St. Louis, MO

$527

Difference

$24.78

less

⚡All Utilities

↓ 3.9%

Thousand Oaks, CA

$557

St. Louis, MO

$535

Difference

$21.86

less

🏛️ Local Income Taxes

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

Thousand Oaks, CA 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$2,200

To$910

↓ $1,290

1 Bed

From$2,480

To$950

↓ $1,530

2 Bed

From$2,970

To$1,160

↓ $1,810

3 Bed

From$4,030

To$1,490

↓ $2,540

Thousand Oaks, CAZIP-level data

1BR range: $2,480–$2,480/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.

$11,583

Monthly in Thousand Oaks, CA

$6,705

Monthly in St. Louis, MO

$4,878

Difference

Home Values

Thousand Oaks

St. Louis

$987K

Median Value

$145K

↑ +0.1%

YoY Change

↓ -0.8%

↑ +30%

5-Year Change

↑ +10.9%

$987K

Price Range

$38K - $302K

Homes in St. Louis are 85% less expensive than Thousand Oaks

Calculate payment - Thousand Oaks Calculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.7K

Per year

Monthly Difference

$225

More take-home

Effective Rate Diff

1.8%

Rate difference

Thousand Oaks, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Thousand Oaks, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

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.