$40K in Seattle = $23,200 in St. Louis
Your $40K salary in Seattle (COL 150) has the same purchasing power as $23,200 in St. Louis (COL 87). St. Louis is cheaper — your money goes 42% further there.
Budget breakdown — $40K in both cities
What $40K actually buys you in each city after taxes and core expenses.
| Expense | Seattle $40K | St. Louis $40K (same salary) |
|---|---|---|
| Monthly take-home | $2,728 | $2,572 |
| 1BR rent | $2,400 | $1,300 |
| Groceries | $410 | $369 |
| Transport | $100 | $75 |
| Utilities | $120 | $162 |
| Internet | $65 | $60 |
| Left after essentials | -$367/month | $606/month |
Frequently asked questions
What is $40K in Seattle equivalent to in St. Louis?
$40K in Seattle (COL index 150) has the same purchasing power as $23,200 in St. Louis (COL index 87). That's 42% less than your current salary.
If I move from Seattle to St. Louis keeping my $40K salary, will I be better off?
Yes. If you keep earning $40K after moving to St. Louis, you'd have $973 more per month after core expenses — because St. Louis is cheaper than Seattle.
How is the salary equivalent calculated?
The equivalent salary is calculated by multiplying your current salary by the ratio of the two cities' overall cost of living indices: $40K × (87 ÷ 150) = $23,200. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — Seattle to St. Louis
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only