Is St. Louis, MO cheaper than Watertown Town, MA?

Based on cost of living data, St. Louis, MO is 37.6% cheaper than Watertown Town, MA. This translates to saving $2819 per month.

What salary do I need in St. Louis, MO to live like I do in Watertown Town, MA?

If you earn $150,000 in Watertown Town, MA, you'd need approximately $116,169.076 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Watertown Town, MA and St. Louis, MO?

Housing in St. Louis, MO is 57.9% cheaper than in Watertown Town, MA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,465/month in Watertown Town, MA.

How much can I save per month by moving from Watertown Town, MA to St. Louis, MO?

Moving from Watertown Town, MA to St. Louis, MO could save you approximately $2819 per month, or $33831 per year, based on a $150,000 salary.

Watertown Town, MA vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Watertown Town, MA — COL adjusted from Boston, MA area + state data

Current salary in Watertown Town, MA

Numbers update automatically as you type

You'd save $2.8K/month moving to St. Louis, MO

$150.0K in your current city equals $116.2K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Boston-Cambridge-Newton, MA-NH area

Overall Cost

↓ 37.6%

Less expensive

Monthly Impact

$2,819

Savings

Annual Impact

$33.8K

Per year

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

Watertown Town, MA

Population:35K

Cost Index:100

Median Home:$961K

St. Louis, MO

Population:302K

Cost Index:62

Median Home:$145K

Watertown Town, MA

The Bay State

35K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 35K 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: Watertown Town, MA vs St. Louis, MO

Category	Watertown Town, MA	St. Louis, MO	Difference	Change
🏠Housing	$4,442/mo	$1,871/mo	↓ $2,571less	57.9%
🚗Transportation	$1,713/mo	$1,216/mo	↓ $497less	29.0%
🏥Healthcare	$719/mo	$527/mo	↓ $193less	26.8%
⚡All Utilities	$692/mo	$535/mo	↓ $157less	22.7%
📦Other	$1,707/mo	$1,607/mo	↓ $100less	5.9%
🛒Groceries	$1,044/mo	$949/mo	↓ $94.56less	9.1%

🏠Housing

↓ 57.9%

Watertown Town, MA

$4,442

St. Louis, MO

$1,871

Difference

$2,571

less

🚗Transportation

↓ 29.0%

Watertown Town, MA

$1,713

St. Louis, MO

$1,216

Difference

$497

less

🏥Healthcare

↓ 26.8%

Watertown Town, MA

$719

St. Louis, MO

$527

Difference

$193

less

⚡All Utilities

↓ 22.7%

Watertown Town, MA

$692

St. Louis, MO

$535

Difference

$157

less

📦Other

↓ 5.9%

Watertown Town, MA

$1,707

St. Louis, MO

$1,607

Difference

$100

less

🛒Groceries

↓ 9.1%

Watertown Town, MA

$1,044

St. Louis, MO

$949

Difference

$94.56

less

🏛️ Local Income Taxes

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

Watertown Town, MA 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$1,710

To$910

↓ $800

1 Bed

From$1,988

To$950

↓ $1,038

2 Bed

From$2,465

To$1,160

↓ $1,305

3 Bed

From$3,181

To$1,490

↓ $1,691

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.

$10,317

Monthly in Watertown Town, MA

$6,705

Monthly in St. Louis, MO

$3,612

Difference

Home Values

Watertown Town

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

↓ $429

More taxes

Monthly Difference

$35.75

Less take-home

Effective Rate Diff

0.3%

Rate difference

Watertown Town, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

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

Watertown Town, MA Tax Rates

Sales Tax:6.3%

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.