$100K in St. Louis = $95,402 in Memphis
Your $100K salary in St. Louis (COL 87) has the same purchasing power as $95,402 in Memphis (COL 83). Memphis is cheaper — your money goes 5% further there.
Budget breakdown — $100K in both cities
What $100K actually buys you in each city after taxes and core expenses.
| Expense | St. Louis $100K | Memphis $100K (same salary) |
|---|---|---|
| Monthly take-home | $5,929 | $6,321 |
| 1BR rent | $1,300 | $1,100 |
| Groceries | $369 | $357 |
| Transport | $75 | $55 |
| Utilities | $162 | $170 |
| Internet | $60 | $55 |
| Left after essentials | $3,963/month | $4,584/month |
Frequently asked questions
What is $100K in St. Louis equivalent to in Memphis?
$100K in St. Louis (COL index 87) has the same purchasing power as $95,402 in Memphis (COL index 83). That's 5% less than your current salary.
If I move from St. Louis to Memphis keeping my $100K salary, will I be better off?
Yes. If you keep earning $100K after moving to Memphis, you'd have $621 more per month after core expenses — because Memphis is cheaper than St. Louis.
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: $100K × (83 ÷ 87) = $95,402. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — St. Louis to Memphis
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only