Is St. Louis, MO cheaper than Tracy, CA?

Based on cost of living data, St. Louis, MO is 22.4% cheaper than Tracy, CA. This translates to saving $1680 per month.

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

If you earn $150,000 in Tracy, CA, you'd need approximately $129,835.589 in St. Louis, MO to maintain the same standard of living.

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

Housing in St. Louis, MO is 39.2% cheaper than in Tracy, CA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,740/month in Tracy, CA.

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

Moving from Tracy, CA to St. Louis, MO could save you approximately $1680 per month, or $20164 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

📍 Tracy, CA — ZIP-level rent data · COL adjusted from Stockton, CA area

Current salary in Tracy, CA

Numbers update automatically as you type

You'd save $1.7K/month moving to St. Louis, MO

$150.0K in your current city equals $129.8K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 22.4%

Less expensive

Monthly Impact

$1,680

Savings

Annual Impact

$20.2K

Per year

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

Tracy, CA

Population:98K

Cost Index:100

Median Home:$586K

St. Louis, MO

Population:302K

Cost Index:78

Median Home:$145K

Tracy, CA

The Golden State

98K

Population

State Tax

Yes

Located in California, this city has a population of 98K 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: Tracy, CA vs St. Louis, MO

Category	Tracy, CA	St. Louis, MO	Difference	Change
🏠Housing	$3,078/mo	$1,871/mo	↓ $1,207less	39.2%
🚗Transportation	$1,438/mo	$1,216/mo	↓ $223less	15.5%
🛒Groceries	$1,075/mo	$949/mo	↓ $126less	11.7%
📦Other	$1,714/mo	$1,607/mo	↓ $107less	6.2%
🏥Healthcare	$496/mo	$527/mo	↑ $31.11more	6.3%
⚡All Utilities	$523/mo	$535/mo	↑ $12.14more	2.3%

🏠Housing

↓ 39.2%

Tracy, CA

$3,078

St. Louis, MO

$1,871

Difference

$1,207

less

🚗Transportation

↓ 15.5%

Tracy, CA

$1,438

St. Louis, MO

$1,216

Difference

$223

less

🛒Groceries

↓ 11.7%

Tracy, CA

$1,075

St. Louis, MO

$949

Difference

$126

less

📦Other

↓ 6.2%

Tracy, CA

$1,714

St. Louis, MO

$1,607

Difference

$107

less

🏥Healthcare

↑ 6.3%

Tracy, CA

$496

St. Louis, MO

$527

Difference

$31.11

⚡All Utilities

↑ 2.3%

Tracy, CA

$523

St. Louis, MO

$535

Difference

$12.14

🏛️ Local Income Taxes

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

Tracy, 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$1,285

To$910

↓ $375

1 Bed

From$1,392

To$950

↓ $442

2 Bed

From$1,740

To$1,160

↓ $580

3 Bed

From$2,420

To$1,490

↓ $930

Tracy, CAZIP-level data

1BR range: $1,680–$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.

$8,325

Monthly in Tracy, CA

$6,705

Monthly in St. Louis, MO

$1,619

Difference

Home Values

Tracy

St. Louis

$586K

Median Value

$145K

↓ -6.5%

YoY Change

↓ -0.8%

↑ +19.1%

5-Year Change

↑ +10.9%

$586K

Price Range

$38K - $302K

Homes in St. Louis are 75% less expensive than Tracy

Calculate payment - Tracy 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

Tracy, 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

Tracy, 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.