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.

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

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Cost of Living Comparison 2026

📍 Towson, MD — COL adjusted from Baltimore, MD area + state data

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

Median Home:$218K

St. Louis, MO

Population:302K

Cost Index:86

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.