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Cost of Living Comparison 2026

๐Ÿ“ Troy, OH โ€” ZIP-level rent data ยท COL adjusted from Cincinnati, OH area

$

Numbers update automatically as you type

You'd save $125/month moving to St. Louis, MO

$150.0K in your current city equals $148.5K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from Dayton-Kettering, OH area
Overall Cost
โ†“ 1.7%
Less expensive
Monthly Impact
$125
Savings
Annual Impact
$1.5K
Per year

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

Troy, OH

Population:27K
Cost Index:100
Median Home:$274K

St. Louis, MO

Population:302K
Cost Index:98
Median Home:$145K

Troy, OH

The Buckeye State

27K
Population
State Tax
Yes

Located in Ohio, this city has a population of 27K 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, OH vs St. Louis, MO

โšกAll Utilities
โ†‘ 15.6%
Troy, OH
$463
St. Louis, MO
$535
Difference
$72.41
more
๐ŸฅHealthcare
โ†“ 6.3%
Troy, OH
$562
St. Louis, MO
$527
Difference
$35.50
less
๐Ÿ›’Groceries
โ†‘ 3.6%
Troy, OH
$917
St. Louis, MO
$949
Difference
$32.70
more
๐Ÿ Housing
โ†‘ 0.6%
Troy, OH
$1,860
St. Louis, MO
$1,871
Difference
$11.07
more
๐Ÿ“ฆOther
โ†‘ 0.6%
Troy, OH
$1,598
St. Louis, MO
$1,607
Difference
$9.51
more
๐Ÿš—Transportation
โ†‘ 0.6%
Troy, OH
$1,209
St. Louis, MO
$1,216
Difference
$7.19
more

๐Ÿ›๏ธ Local Income Taxes

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

Troy, OH has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

๐Ÿ Rent Comparison

Studio
From$735
To$910
โ†‘ $175
1 Bed
From$794
To$950
โ†‘ $156
2 Bed
From$1,006
To$1,160
โ†‘ $154
3 Bed
From$1,301
To$1,490
โ†‘ $189
Troy, OHZIP-level data

1BR range: $940โ€“$940/mo

St. Louis, MOZIP-level data

1BR range: $800โ€“$1,480/mo

๐Ÿ’ก 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.

$6,608
Monthly in Troy, OH
$6,705
Monthly in St. Louis, MO
$97.39
Difference

Home Values

Troy
St. Louis
$274K
Median Value
$145K
โ†‘ +4.4%
YoY Change
โ†“ -0.8%
โ†‘ +40.9%
5-Year Change
โ†‘ +10.9%
$274K
Price Range
$38K - $302K

Homes in St. Louis are 47% less expensive than Troy

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†“ $3.5K
More taxes
Monthly Difference
$292
Less take-home
Effective Rate Diff
2.3%
Rate difference

Troy, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

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, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

๐Ÿ’ก 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

Troy
St. Louis
52 Moderate
Air Quality
54 Moderate
44.8%
Good Air Days
38%
96 High
Climate Risk
99 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
29 days
Heat Days >95ยฐF
39 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
29 days
Heat Days >95ยฐF
39 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Ohio and Missouri on TaxTakeHome.com

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