Is Kansas City, MO cheaper than Troy, NY?

Based on cost of living data, Kansas City, MO is 9.4% cheaper than Troy, NY. This translates to saving $708 per month.

What salary do I need in Kansas City, MO to live like I do in Troy, NY?

If you earn $150,000 in Troy, NY, you'd need approximately $141,503.295 in Kansas City, MO to maintain the same standard of living.

How does housing cost compare between Troy, NY and Kansas City, MO?

Housing in Kansas City, MO is 33.5% cheaper than in Troy, NY. For a two-bedroom apartment, rent is $1,460/month in Kansas City, MO compared to $887/month in Troy, NY.

How much can I save per month by moving from Troy, NY to Kansas City, MO?

Moving from Troy, NY to Kansas City, MO could save you approximately $708 per month, or $8497 per year, based on a $150,000 salary.

Troy, NY vs Kansas City, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Troy, NY — ZIP-level rent data · COL adjusted from Boston, MA area

Current salary in Troy, NY

Numbers update automatically as you type

You'd save $708/month moving to Kansas City, MO

$150.0K in your current city equals $141.5K in Kansas City, MO

Rent data from HUD ZIP-level estimates · COL index from Albany-Schenectady-Troy, NY area

Overall Cost

↓ 9.4%

Less expensive

Monthly Impact

$708

Savings

Annual Impact

$8.5K

Per year

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

Troy, NY

Population:51K

Cost Index:100

Median Home:$269K

Kansas City, MO

Population:508K

Cost Index:91

Median Home:$257K

Troy, NY

The Empire State

51K

Population

State Tax

Yes

Located in New York, this city has a population of 51K residents.

Kansas City, MO

The Show-Me State

508K

Population

State Tax

Yes

Located in Missouri, this city has a population of 508K residents.

Cost Breakdown by Category

Annual spending: Troy, NY vs Kansas City, MO

Category	Troy, NY	Kansas City, MO	Difference	Change
🏠Housing	$3,167/mo	$2,105/mo	↓ $1,062less	33.5%
📦Other	$1,217/mo	$1,607/mo	↑ $390more	32.0%
🛒Groceries	$881/mo	$949/mo	↑ $67.91more	7.7%
⚡All Utilities	$585/mo	$535/mo	↓ $49.11less	8.4%
🚗Transportation	$1,221/mo	$1,216/mo	↓ $5.16less	0.4%
🏥Healthcare	$607/mo	$607/mo	↓ $0.02less	0.0%

🏠Housing

↓ 33.5%

Troy, NY

$3,167

Kansas City, MO

$2,105

Difference

$1,062

less

📦Other

↑ 32.0%

Troy, NY

$1,217

Kansas City, MO

$1,607

Difference

$390

🛒Groceries

↑ 7.7%

Troy, NY

$881

Kansas City, MO

$949

Difference

$67.91

⚡All Utilities

↓ 8.4%

Troy, NY

$585

Kansas City, MO

$535

Difference

$49.11

less

🚗Transportation

↓ 0.4%

Troy, NY

$1,221

Kansas City, MO

$1,216

Difference

$5.16

less

🏥Healthcare

↓ 0.0%

Troy, NY

$607

Kansas City, MO

$607

Difference

$0.02

less

🏛️ Local Income Taxes

Kansas City, MO: Kansas City Earnings Tax$1,500/yr (1.0%)

Troy, NY 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$635

To$1,180

↑ $545

1 Bed

From$740

To$1,280

↑ $540

2 Bed

From$887

To$1,460

↑ $573

3 Bed

From$1,063

To$1,900

↑ $837

Troy, NYZIP-level data

1BR range: $1,210–$1,400/mo

Kansas City, MOZIP-level data

1BR range: $900–$1,800/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.

$7,678

Monthly in Troy, NY

$7,020

Monthly in Kansas City, MO

$658

Difference

Home Values

Troy

Kansas City

$269K

Median Value

$257K

↑ +3.8%

YoY Change

↑ +0.6%

↑ +39%

5-Year Change

↑ +32.2%

$249K - $289K

Price Range

$80K - $587K

Homes in Kansas City are 5% less expensive than Troy

Calculate payment - Troy Calculate payment - Kansas City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.6K

Per year

Monthly Difference

$135

More take-home

Effective Rate Diff

1.1%

Rate difference

Troy, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Kansas City, 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

Troy, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Kansas City, 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.