St. Louis wins overall by ~4% (COL index)
Cost of living: St. Louis vs Kansas City (2026)
A $60,000 salary in St. Louis buys roughly what $62,759 does in Kansas City (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
−$575/yr
Favoring Kansas City for this income & household (illustrative).
With an extra $48/mo in Kansas City, you could max a Roth IRA contribution faster and still grow your savings buffer.
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 | St. Louis Missouri | Kansas City Missouri | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,050 | $950Better | Kansas wins −$100/mo | $1,200/yr saves in Kansas |
| 1BR rent/mo | $1,300 | $1,200Better | Kansas wins −$100/mo | $1,200/yr saves in Kansas |
| 2BR rent/mo | $1,700 | $1,600Better | Kansas wins −$100/mo | $1,200/yr saves in Kansas |
| Median home price | $230KWins | $280K | St. Louis wins +$50K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 97 | 95Better | Kansas wins -2 | — |
| Budget meal (1 person) | $13 | $12Better | Kansas wins −$1/mo | — |
| Mid-range dinner (2) | $52 | $50Better | Kansas wins −$2/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $75 | $70Better | Kansas wins −$5/mo | — |
| Gas price/gal | $3.00Better | $3.00 | — | — |
| Car insurance/mo | $160 | $145Better | Kansas wins −$15/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $162Better | $165 | St. Louis wins +$3/mo | — |
| Internet/mo | $60Better | $60 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $54K | $58KBetter | Kansas wins +$4K more/yr | — |
| State income tax% | 4.7%Wins | 5.4% | St. Louis wins +0.7 pp | $420/yr saves in St. Louis |
| Sales tax (combined)% | 8.6%Better | 8.6% | — | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $14.00Better | $14.00 | — | — |
| Gym membership/mo | $35Better | $35 | — | — |
| Beer at restaurant | $5.50 | $5.00Better | Kansas wins −$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 87Better | 91 | St. Louis wins +4 | — |
| Walk score / 100 | 61Wins | 38 | St. Louis wins -23 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
St. Louis 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 St. Louis.
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.
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Frequently asked questions
Is St. Louis cheaper than Kansas City?
Yes. St. Louis is 4% cheaper than Kansas City based on overall cost of living indices (87 vs 91, where 100 = US average).
What is the average rent in St. Louis vs Kansas City?
As of Q1 2026, the median 1-bedroom rent in St. Louis is $1,300/month and in Kansas City is $1,200/month. St. Louis is more expensive by 8%.
How much do I need to earn in Kansas City to match a $75,000 salary in St. Louis?
To maintain a similar lifestyle, you would need approximately $78,448/year in Kansas City to match a $75,000 salary in St. Louis. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — St. Louis or Kansas City?
St. Louis has the lower state income tax rate at 4.7% vs 5.4%. The difference is 0.7 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from St. Louis to Kansas City?
It depends on your priorities. St. Louis 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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