Is St. Louis, MO cheaper than Troy, NY?

Based on cost of living data, St. Louis, MO is 12.5% cheaper than Troy, NY. This translates to saving $934 per month.

What salary do I need in St. Louis, MO to live like I do in Troy, NY?

If you earn $150,000 in Troy, NY, you'd need approximately $138,786.518 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Troy, NY and St. Louis, MO?

Housing in St. Louis, MO is 40.9% cheaper than in Troy, NY. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $887/month in Troy, NY.

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

Moving from Troy, NY to St. Louis, MO could save you approximately $934 per month, or $11213 per year, based on a $150,000 salary.

Troy, NY vs St. Louis, MO: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

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 $934/month moving to St. Louis, MO

$150.0K in your current city equals $138.8K in St. Louis, MO

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

Overall Cost

↓ 12.5%

Less expensive

Monthly Impact

$934

Savings

Annual Impact

$11.2K

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

St. Louis, MO

Population:302K

Cost Index:88

Median Home:$145K

Troy, NY

The Empire State

51K

Population

State Tax

Yes

Located in New York, this city has a population of 51K 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: Troy, NY vs St. Louis, MO

Category	Troy, NY	St. Louis, MO	Difference	Change
🏠Housing	$3,167/mo	$1,871/mo	↓ $1,296less	40.9%
📦Other	$1,217/mo	$1,607/mo	↑ $390more	32.0%
🏥Healthcare	$607/mo	$527/mo	↓ $80.57less	13.3%
🛒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%

🏠Housing

↓ 40.9%

Troy, NY

$3,167

St. Louis, MO

$1,871

Difference

$1,296

less

📦Other

↑ 32.0%

Troy, NY

$1,217

St. Louis, MO

$1,607

Difference

$390

🏥Healthcare

↓ 13.3%

Troy, NY

$607

St. Louis, MO

$527

Difference

$80.57

less

🛒Groceries

↑ 7.7%

Troy, NY

$881

St. Louis, MO

$949

Difference

$67.91

⚡All Utilities

↓ 8.4%

Troy, NY

$585

St. Louis, MO

$535

Difference

$49.11

less

🚗Transportation

↓ 0.4%

Troy, NY

$1,221

St. Louis, MO

$1,216

Difference

$5.16

less

🏛️ Local Income Taxes

St. Louis, MO: St. Louis 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$910

↑ $275

1 Bed

From$740

To$950

↑ $210

2 Bed

From$887

To$1,160

↑ $273

3 Bed

From$1,063

To$1,490

↑ $427

Troy, NYZIP-level data

1BR range: $1,210–$1,400/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.

$7,678

Monthly in Troy, NY

$6,705

Monthly in St. Louis, MO

$973

Difference

Home Values

Troy

St. Louis

$269K

Median Value

$145K

↑ +3.8%

YoY Change

↓ -0.8%

↑ +39%

5-Year Change

↑ +10.9%

$249K - $289K

Price Range

$38K - $302K

Homes in St. Louis are 46% less expensive than Troy

Calculate payment - Troy Calculate payment - St. Louis

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

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

Troy, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.