Wondering how far your dollar stretches in St. Louis compared to Cleveland? Below we break down housing costs, rent, taxes, income, and quality of life using 2026 data so you can make an informed relocation or remote-work decision. Every number is computed from Census, BLS, and Zillow data specific to these two metro areas.
| St. Louis | Metric | Cleveland | Difference |
|---|---|---|---|
| 86 | Cost of Living Index | 85 | -1.2% |
| $205,000 | Median Home Price | $175,000 | -14.6% |
| $900 | Median Monthly Rent | $950 | +5.6% |
| $61,400 | Median Household Income | $52,600 | -14.3% |
| 1.0% | Property Tax Rate | 1.6% | +60.0% |
| 4.3% | Unemployment Rate | 5.4% | +25.6% |
| 24 min | Average Commute | 25 min | +4.2% |
| 36.6 | Median Age | 37.8 | +3.3% |
| 2,820,000 | Metro Population | 2,010,000 | -28.7% |
Data sourced from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024-2025). COL Index: 100 = national average.
Monthly mortgage assumes 6.5% interest, 30-year fixed, 20.0%down payment. PITI includes principal, interest, property tax, and homeowner's insurance.
Buying a home in St. Louis costs $1,267/month (PITI) compared to $1,169/month in Cleveland — a difference of $98/month or $1,176/year. The price-to-income ratio is 3.3x in St. Louis versus 3.3x in Cleveland, suggesting Cleveland is relatively more affordable for homebuyers relative to local incomes. At a 15% savings rate, it takes 4.5 years to save a down payment in St. Louis compared to 4.4 years in Cleveland.
Estimated on each city's median household income, single filer, standard deduction, 2025 rates.
| Tax Category | St. Louis | Cleveland |
|---|---|---|
| Gross Income | $61,400 | $52,600 |
| State Income Tax | $2,005 | $664 |
| Federal Income Tax | $5,239 | $4,183 |
| FICA (SS + Medicare) | $4,697 | $4,024 |
| Property Tax (on median home) | $2,050/yr | $2,800/yr |
| State Sales Tax Rate | 4.2% | 5.8% |
| Total Tax Burden | $11,941 (19.4%) | $8,871 (16.9%) |
| Take-Home Pay | $49,459 | $43,729 |
On median household income, total taxes (federal + state + FICA) come to $11,941 in St. Louis (19.4% effective) versus $8,871 in Cleveland (16.9% effective). After taxes, take-home pay is $49,459 in St. Louis and $43,729 in Cleveland. Property taxes add $2,050/year on the median St. Louis home versus $2,800/year in Cleveland.
These figures adjust for cost of living using the formula: adjusted = salary × (COL_destination / COL_origin). If you earn $61,400 in St. Louis (COL 86) and relocate to Cleveland (COL 85), you would need $60,686 to maintain the same purchasing power. This means you can take a pay cut of $714 and still maintain your lifestyle in Cleveland.
Beyond costs, quality of life matters. The average commute in St. Louis is 24 minutes versus 25 minutes in Cleveland, a difference of 1 minutes each way. St. Louis's lower unemployment rate of 4.3% versus 5.4% suggests a stronger job market. Cleveland skews slightly older with a median age of 37.8 vs 36.6 in St. Louis.
St. Louis and Cleveland have very similar costs of living, with COL indices of 86 and 85 respectively (national average = 100). Day-to-day expenses, housing, and taxes are comparable between the two metro areas.
The median home price in St. Louis is $205,000, which is $30,000 more than Cleveland's median of $175,000. Monthly rent follows a similar pattern: $900/month in St. Louis vs $950/month in Cleveland, a difference of $50/month or $600/year.
To maintain the same standard of living, a $61,400 salary in St. Louis is equivalent to $60,686 in Cleveland. This is based on the cost of living index ratio: St. Louis's COL index of 86 vs Cleveland's 85. Conversely, $52,600 in Cleveland equals $53,219 in St. Louis.
On a median household income, the combined federal, state, and FICA tax burden is $11,941 (19.4% effective rate) in St. Louis vs $8,871 (16.9% effective rate) in Cleveland. Property taxes on the median home are $2,050/year in St. Louis (1.0% rate) vs $2,800/year in Cleveland (1.6% rate). Sales tax rates are 4.2% in Missouri and 5.8% in Ohio.
St. Louis median household income: $61,400/yr. Cleveland median household income: $52,600/yr (Census ACS).
Median monthly rent: $900 in St. Louis vs $950 in Cleveland. Annualized that is $10,800 vs $11,400.
Cleveland offers a lower cost of living (index 85 vs 86), which lets remote-workers keeping a coastal salary stretch further. St. Louis typically wins on amenities and labor-market depth.
St. Louis and Cleveland numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income, demographics), and BEA RPP (cost-of-living index). Each value is timestamped on the page.
Source feeds (Zillow, Freddie Mac PMMS, Census ACS, BEA RPP) are refreshed on their native cadence. Page caches revalidate every 24 hours via Next.js ISR.
No. The St. Louis vs Cleveland cost-of-living page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.
Home prices use Zillow Home Value Index (ZHVI)[1]; rents use Zillow Observed Rent Index (ZORI)[1]. Median household income comes from the Census ACS 5-year estimates[2].
COL indices use the BEA Regional Price Parity methodology[3], normalized so 100 = national average.
Property tax rates are effective rates from the Tax Foundation[4], expressed as % of owner-occupied home value. Mortgage estimates assume 6.5% fixed rate[5], 30-year term, 20.0% down, $1,800/yr homeowners insurance.
Federal tax calculations[6] assume single filer, standard deduction. State tax uses the top marginal rate times taxable income after the state standard deduction. FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare.
Salary equivalence uses adjusted = salary × (COL_destination / COL_origin). This captures cost-of-living shift but not state income tax differences.
Unemployment figures are the most recent monthly MSA-level readings from the BLS LAUS series[7].
Last reviewed is computed from the maximum retrievedAt across every source this page consumes.
City data from Census Bureau[2], BLS[7], and Zillow[1] (2024-2025). Tax calculations use 2025 IRS rates[6], single filer, standard deduction. Mortgage estimates assume 6.5% PMMS rate[5], 30-year term, 20.0% down. COL Index: 100 = national average[3]. Last reviewed .