Springfield wins overall by ~8% (COL index)
Cost of living: Lafayette vs Springfield (2026)
A $60,000 salary in Lafayette buys roughly what $55,765 does in Springfield (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$2,185/yr
Favoring Springfield for this income & household (illustrative).
With the extra $182/mo, you could pay down a $15,000 card balance in ~83 months and still keep ~$22/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Lafayette Louisiana | Springfield Missouri | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $900 | $750Wins | Springfield wins −$150/mo | $1,800/yr saves in Springfield |
| 1BR rent/mo | $1,100 | $950Wins | Springfield wins −$150/mo | $1,800/yr saves in Springfield |
| 2BR rent/mo | $1,450 | $1,250Wins | Springfield wins −$200/mo | $2,400/yr saves in Springfield |
| Median home price | $220K | $185KWins | Springfield wins −$35K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 95 | 93Better | Springfield wins -2 | — |
| Budget meal (1 person) | $12 | $10Wins | Springfield wins −$2/mo | — |
| Mid-range dinner (2) | $48 | $44Better | Springfield wins −$4/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $42Better | $42 | — | — |
| Gas price/gal | $3.00 | $2.95Better | Springfield wins −$0.05 | — |
| Car insurance/mo | $200 | $145Wins | Springfield wins −$55/mo | $660/yr saves in Springfield |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $208 | $155Wins | Springfield wins −$53/mo | $636/yr saves in Springfield |
| Internet/mo | $58Better | $58 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $50KBetter | $47K | Lafayette wins −$3K more/yr | — |
| State income tax% | 4.3%Better | 4.7% | Lafayette wins +0.4 pp | $240/yr saves in Lafayette |
| Sales tax (combined)% | 9.8% | 8.3%Wins | Springfield wins -1.5 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $13.00 | $12.00Better | Springfield wins −$1.00 | — |
| Gym membership/mo | $32 | $30Better | Springfield wins −$2/mo | — |
| Beer at restaurant | $5.00 | $4.50Better | Springfield wins −$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 85 | 79Better | Springfield wins -6 | — |
| Walk score / 100 | 22 | 26Wins | Springfield wins +4 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Springfield fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Springfield.
High-yield savings
Grow your move fund while you shop for homes
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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While you’re comparing — don’t leave money on the table.
If cash is tight
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Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Lafayette cheaper than Springfield?
No. Springfield is 8% cheaper than Lafayette based on overall cost of living indices (79 vs 85, where 100 = US average).
What is the average rent in Lafayette vs Springfield?
As of Q1 2026, the median 1-bedroom rent in Lafayette is $1,100/month and in Springfield is $950/month. Lafayette is more expensive by 16%.
How much do I need to earn in Springfield to match a $75,000 salary in Lafayette?
To maintain a similar lifestyle, you would need approximately $69,706/year in Springfield to match a $75,000 salary in Lafayette. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Lafayette or Springfield?
Lafayette has the lower state income tax rate at 4.3% vs 4.7%. The difference is 0.4 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Lafayette to Springfield?
It depends on your priorities. Springfield offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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