What salary do I need in St. Louis, MO to live like I do in Towson, MD?

If you earn $150,000 in Towson, MD, you'd need approximately $137,726.164 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Towson, MD and St. Louis, MO?

Housing in St. Louis, MO is 29.9% cheaper than in Towson, MD. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,333/month in Towson, MD.

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

Moving from Towson, MD to St. Louis, MO could save you approximately $1023 per month, or $12274 per year, based on a $150,000 salary.

Towson, MD vs St. Louis, MO: Cost of Living Comparison 2026

Q: Is St. Louis, MO cheaper than Towson, MD?

Based on cost of living data, St. Louis, MO is 13.6% cheaper than Towson, MD. This translates to saving $1023 per month.

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Towson, MD

Numbers update automatically as you type

You'd save $1.0K/month moving to St. Louis, MO

$150.0K in your current city equals $137.7K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 13.6%

Less expensive

Monthly Impact

$1,023

Savings

Annual Impact

$12.3K

Per year

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

Towson, MD

Population:60K

Cost Index:

100

100 = national average

Median Home:$218K

St. Louis, MO

Population:302K

Cost Index:

(14% below avg)

Median Home:$145K

Towson, MD

The Old Line State

60K

Population

State Tax

Yes

Located in Maryland, this city has a population of 60K 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: Towson, MD vs St. Louis, MO

Category	Towson, MD	St. Louis, MO	Difference	Change
Housing	$2,667/mo	$1,871/mo	↓ $796less	29.9%
Groceries	$1,062/mo	$949/mo	↓ $113less	10.6%
Transportation	$1,311/mo	$1,216/mo	↓ $95.43less	7.3%
All Utilities	$591/mo	$535/mo	↓ $55.79less	9.4%
Healthcare	$574/mo	$527/mo	↓ $47.16less	8.2%
Other	$1,623/mo	$1,607/mo	↓ $15.68less	1.0%

Housing

↓ 29.9%

Towson, MD

$2,667

St. Louis, MO

$1,871

Difference

$796

less

Groceries

↓ 10.6%

Towson, MD

$1,062

St. Louis, MO

$949

Difference

$113

less

Transportation

↓ 7.3%

Towson, MD

$1,311

St. Louis, MO

$1,216

Difference

$95.43

less

All Utilities

↓ 9.4%

Towson, MD

$591

St. Louis, MO

$535

Difference

$55.79

less

Healthcare

↓ 8.2%

Towson, MD

$574

St. Louis, MO

$527

Difference

$47.16

less

Other

↓ 1.0%

Towson, MD

$1,623

St. Louis, MO

$1,607

Difference

$15.68

less

🏛️ Local Income Taxes

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

Towson, MD 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$929

To$910

↓ $19.00

1 Bed

From$1,091

To$950

↓ $141

2 Bed

From$1,333

To$1,160

↓ $173

3 Bed

From$1,777

To$1,490

↓ $287

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.

$7,828

Monthly in Towson, MD

$6,705

Monthly in St. Louis, MO

$1,123

Difference

Home Values

Towson

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

↓ $669

More taxes

Monthly Difference

$55.75

Less take-home

Effective Rate Diff

0.4%

Rate difference

Towson, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

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

Towson, MD Tax Rates

Sales Tax:6.0%

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.

Environment

Towson

St. Louis

45 Good

Air Quality

54 Moderate

65.6%

Good Air Days

38%

95 High

Climate Risk

99 High

🌊🌡🌪

Top Hazards

🌊🌡🫨

▲+3.0°F

2050 Outlook

▲+3.0°F

30 days

Heat Days >95°F

39 days

▲+3.0°F

2050 Outlook

▲+3.0°F

30 days

Heat Days >95°F

39 days

What to Consider When Moving from Towson, MD to St. Louis, MO

Relocating from Towson, MD to St. Louis, MO involves more than just comparing rent prices. While the overall cost of living is about 14% lower in St. Louis, MO, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in St. Louis, MO is 30% cheaper than in Towson, MD. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in St. Louis, MO pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in St. Louis, MO to match your current standard of living in Towson, MD.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit St. Louis, MO for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Towson, MD vs St. Louis, MO

Is St. Louis, MO cheaper than Towson, MD?

Yes, St. Louis, MO is about 13.6% cheaper than Towson, MD. You could save approximately $1,023/month on a $150,000 salary. Housing costs are 30% lower in St. Louis, MO.

What salary do I need in St. Louis, MO to match my lifestyle in Towson, MD?

If you currently earn $150,000 in Towson, MD, you would need approximately $137,726 in St. Louis, MO to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Towson, MD and St. Louis, MO?

A two-bedroom apartment averages $1,333/month in Towson, MD compared to $1,160/month in St. Louis, MO. One-bedroom apartments are $1,091/month in Towson, MD vs $950/month in St. Louis, MO. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Towson, MD or St. Louis, MO?

Groceries are about 11% cheaper in St. Louis, MO than in Towson, MD, saving a typical household roughly $113/month on food.

What is the best time to move from Towson, MD to St. Louis, MO?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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