St. Louis vs Las Cruces for Retirees (2026)
Scroll down for retirement income tax breakdown, healthcare estimates, and FAQ.
Full retirement cost breakdown
| Metric | St. Louis Missouri | Las Cruces New Mexico |
|---|---|---|
| 1BR rent / month | $1,300 | $1,000Better |
| Median home price | $230K | $215KBetter |
| State income tax | 4.7%Better | 4.9% |
| Sales tax (combined) | 8.6% | 7.7%Better |
| Monthly utilities | $162 | $152Better |
| Groceries index (US = 100) | 97 | 92Better |
| Est. healthcare / month | $435 | $410Better |
| Walk score (0–100) | 61 / 100Better | 28 / 100 |
| Overall COL index (100 = US avg) | 87 | 82Better |
Frequently asked questions
Which city is better for retirement — St. Louis or Las Cruces?
St. Louis and Las Cruces are closely matched for retirees. Housing costs, tax burden, and overall affordability are similar. Your specific priorities — climate, walkability, family proximity — should guide the decision.
Is retirement income taxed in St. Louis or Las Cruces?
St. Louis has the lower state income tax rate (4.7% vs 4.9%). Note that many states exempt Social Security income and some pension income from state taxes even when other income is taxed — check your specific state's retirement tax rules.
What is the estimated monthly healthcare cost in St. Louis vs Las Cruces?
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 $410 in Las Cruces. That's a difference of ~$25/month, or ~$300/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 28 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 $47K/year in Las Cruces
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