St. Louis vs Houston for Retirees (2026)
Scroll down for retirement income tax breakdown, healthcare estimates, and FAQ.
Your move simulator
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Estimated annual swing
−$1,343/yr
Favoring Houston for this income & household (illustrative).
With an extra $112/mo in Houston, you could max a Roth IRA contribution faster and still grow your savings buffer.
Complete the Picture
While you’re comparing — don’t leave money on the table.
High-yield savings
Grow your move fund while rates are high
Even $112/mo extra earns meaningfully at 4–5% APY vs near-zero in checking.
Home + auto bundle
New state — compare rates before you sign
Moving to Houston resets your insurance profile. Bundling home + auto often saves 15–25%.
Supplemental health
Houston's lower taxes leave ~$2,724/yr more for healthcare
Health coverage varies by state. Review Medigap plans available in your new zip before moving.
Full retirement cost breakdown
| Metric | St. Louis Missouri | Houston Texas | Your impact |
|---|---|---|---|
| 1BR rent / month | $1,300Better | $1,350 | $600/yr saves in St. |
| Median home price | $230KBetter | $280K | — |
| State income tax | 4.7% | NoneBetter | $3,525/yr saves in Houston |
| Sales tax (combined) | 8.6% | 8.3%Better | — |
| Monthly utilities | $162Better | $175 | $156/yr saves in St. |
| Groceries index (US = 100) | 97 | 94Better | — |
| Est. healthcare / month | $435Better | $475 | $480/yr saves in St. |
| Walk score (0–100) | 61 / 100Better | 49 / 100 | — |
| Overall COL index (100 = US avg) | 87Better | 95 | — |
Your biggest money opportunities based on this comparison.
Retirement tax savings
Houston saves ~$196/mo on a $50K retirement income
Keep more of your fixed income. Park the tax savings in a high-yield account to let it compound.
Healthcare savings
St. Louis saves ~$40/mo on healthcare
Compare Medicare supplement and insurance plans to cover what Medicare doesn't pay.
More to invest
St. Louis stretches your retirement savings ~8% further
Lower COL means more of your nest egg stays invested. Compare brokerage and IRA accounts.
Complete the Picture
While you’re comparing — don’t leave money on the table.
Mortgages
See what you can afford in Houston
Compare rates from top lenders before your move — pre-approval is free and won't affect your score.
Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in Houston homeowners + auto quotes before your move date.
Moving Rewards Card
Turn closing costs & moving expenses into cash back
Average family spends $6,200 on a move. These cards pay 2–4% back + 0% intro APR on purchases.
Frequently asked questions
Which city is better for retirement — St. Louis or Houston?
Based on home prices, taxes on retirement income, walkability, and overall cost of living, St. Louis scores better for retirees. Median home prices are $230K in St. Louis vs $280K in Houston. St. Louis is approximately 8% cheaper overall. The best choice still depends on climate, healthcare access, and proximity to family.
Is retirement income taxed in St. Louis or Houston?
Texas has no state income tax, meaning Social Security, pension, and retirement account withdrawals are not subject to state tax. Missouri has a 4.7% state income tax rate. For retirees, this difference can save thousands annually.
What is the estimated monthly healthcare cost in St. Louis vs Houston?
Based on national average retiree healthcare spending (~$500/month) scaled by each city's cost-of-living index, estimated monthly healthcare costs are approximately $435 in St. Louis and $475 in Houston. That's a difference of ~$40/month, or ~$480/year. Actual costs vary based on your Medicare plan, supplements, and health needs.
Can I afford to retire in St. Louis on a $50,000 annual income?
On a $50,000/year ($4,167/month) retirement income in St. Louis, rent alone would consume approximately 31% of your budget (1BR rent ~$1,300/mo) and healthcare another ~10%. That leaves roughly 59% (~$2,458/mo) for groceries, transportation, and other expenses. This is tight — a studio apartment or lower-cost neighborhood would help.
Which city is more walkable for retirees?
St. Louis has a higher walk score (61 vs 49 out of 100). Walkability is increasingly important for retirees who want to reduce car dependence — a score above 70 means most daily errands can be done on foot. St. Louis offers more independence without a car, which also reduces transportation costs.
$50K/year in St. Louis has the same purchasing power as $55K/year in Houston
Healthcare estimates based on national avg retiree spending (~$500/mo) scaled by COL index · State income tax rates from Tax Foundation · Data: Zillow, BLS, Numbeo · Q1 2026