1. Home
  2. /Compare Cities
  3. /San Antonio vs St. Louis

San Antonio vs. St. Louis

San Antonio, TX  ·  St. Louis, MO

TL;DR

San Antonio cost-of-living index is 92 vs 86 for St. Louis (US = 100). Median home: $270,000 vs $205,000. Median rent: $899/mo vs $900/mo.

Source: Zillow ZHVI/ZORI · Census ACS, 2026-05-30

St. Louis is 7% cheaper than San Antonio overall.

Written by Jere Salmisto, Founder & Quantitative Systems Builder, CalcFi·Reviewed by CalcFi Editorial·Last reviewed 2026-05-30

Looking for the national Mortgage Payment Calculator? Mortgage Payment Calculator.

Home Price

TX: $270,000

MO: $205,000

Monthly Rent

TX: $899/mo

MO: $900/mo

COL Index

TX: 92

MO: 86

Median Income

TX: $58,600

MO: $61,400

Side-by-Side Comparison

Metric
San Antonio
St. Louis
Lower / Higher

Median Home Price

$270,000
$205,000
↓St. Louis

Monthly Rent (Median)

$899/mo
$900/mo
Comparable

Median Household Income

$58,600
$61,400
↓St. Louis

Property Tax Rate

1.8%
1%
↓St. Louis

Cost of Living Index

100 = national average

92
86
↓St. Louis

Avg. Commute

26 min
24 min
↓St. Louis

Unemployment Rate

3.8%
4.3%
↓San Antonio

Median Age

34.3 yrs
36.6 yrs
↓St. Louis

What This Means For You

Headline insight

Buying Power

A $100,000 salary in San Antonio has the same purchasing power as $93,478 in St. Louis— based on each city's cost of living index.

Housing

Homes in St. Louis cost 24% more (-$65,000 extra). Expect a larger mortgage and down payment.

Renting

Monthly rents are nearly identical in both cities. Median rent: $899/mo in San Antonio vs $900/mo in St. Louis.

Property Taxes

On a median-priced home, San Antonio owners pay roughly $4,860/year vs $2,050/year in St. Louis. That's a $2,810 annual difference.

Local Earnings

Median household income is $58,600 in San Antonio and $61,400 in St. Louis. Incomes are similar, so cost of living differences matter more.

Daily Commute

Average commute is 26 minutes in San Antonio vs 24 minutes in St. Louis. Commute times are nearly identical.

Salary Equivalence

To maintain the same lifestyle when moving from San Antonio to St. Louis, here's the salary you'd need:

Salary in San AntonioEquivalent in St. LouisDifference
$50,000$46,739-$3,261
$75,000$70,109-$4,891
$100,000$93,478-$6,522
$150,000$140,217-$9,783
$200,000$186,957-$13,043

* Calculated using cost of living indices (national average = 100). Does not account for state income tax differences.

Run the Numbers

Mortgage Calculator

See monthly payments for homes in either city

Rent vs Buy

Is it cheaper to rent or buy in these markets?

Cost of Living

Full cost of living comparison tool

Home Appreciation

Project future home value growth

Affordability Calculator

How much home can you afford?

Property Tax Calculator

Estimate taxes in San Antonio or St. Louis

San Antonio Calculators

→ Mortgage calculator for San Antonio→ Rent vs buy in San Antonio

St. Louis Calculators

→ Mortgage calculator for St. Louis→ Rent vs buy in St. Louis

Related Comparisons

Dallas vs San AntonioHouston vs San AntonioChicago vs St. LouisSt. Louis vs Kansas CitySt. Louis vs NashvilleSan Antonio vs Corpus ChristiSan Antonio vs Austin

San Antonio vs St. Louis: Common Questions

Is San Antonio or St. Louis cheaper to live in?

Based on cost of living indices, St. Louis is cheaper overall. San Antonio has a COL index of 92 while St. Louis scores 86 (national average = 100).

How do home prices compare between San Antonio and St. Louis?

The median home price in San Antonio is $270,000 vs $205,000 in St. Louis — a difference of $65,000 (24%).

What salary do I need in St. Louis to match my San Antonio income?

Use the salary equivalence table above. For example, a $100K salary in San Antonio is equivalent to $93,478 in St. Louis in terms of purchasing power.

Which city has lower property taxes?

St. Louis has a lower property tax rate (1% vs 1.8%). On a median-priced home, that means paying $2,050/year vs $4,860/year.

How does rent compare in San Antonio vs St. Louis?

Median monthly rent: $899 in San Antonio vs $900 in St. Louis. Annualized: $10,788 vs $10,800.

What is the median household income in each city?

San Antonio: $58,600/yr. St. Louis: $61,400/yr (Census ACS).

Which city is better for remote workers?

Lower-cost St. Louis typically lets remote-workers keeping a coastal salary stretch further. Higher-cost cities usually win on amenities and labor-market depth.

Where does the data on this comparison come from?

Numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income), and BEA RPP (cost-of-living index). Each value is timestamped on the page.

How often is this comparison updated?

Source feeds refresh on their native cadence — hourly for mortgage rates, monthly for ZHVI/ZORI, annually for ACS. Page caches revalidate every 24 hours via Next.js ISR.

Does this comparison replace tax or financial advice?

No. This 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.

Related Cities

  • San Antonio Home Affordability
  • St. Louis Home Affordability
  • Austin vs St. Louis
  • Dallas vs St. Louis
  • Fort Worth vs St. Louis
  • Houston vs St. Louis
Browse all Mortgage Payment Calculator calculators →

Sources & Citations

  1. Zillow Research — Zillow Home Value Index (ZHVI) and Observed Rent Index (ZORI) — zillow.com/research/data
  2. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income, median age, commute time — census.gov/acs
  3. Bureau of Economic Analysis — Regional Price Parities (RPP) by state and metro — bea.gov/rpp
  4. Tax Foundation — effective property tax rates and state tax rates — taxfoundation.org
  5. U.S. Bureau of Labor Statistics — unemployment rates and regional CPI — bls.gov
  6. Council for Community and Economic Research (C2ER) — Cost of Living Index — coli.org
Methodology & Assumptions

City-level metrics (median home price, median rent, median household income, property tax rate, COL index, commute, unemployment, median age) are sourced from Zillow ZHVI/ZORI[1], Census ACS 5-year estimates[2], BEA Regional Price Parities[3], Tax Foundation[4], and BLS Local Area Unemployment Statistics[5].

The Cost of Living Index uses 100 = national average (C2ER methodology[6]): values above 100 indicate a city is more expensive than the national average, below 100 less expensive.

Salary equivalence uses the ratio adjustedSalary = salary × (colDestination / colOrigin). This accounts for cost-of-living differences but does not model state income tax variation, which can be significant.

Annual property tax is computed as medianHomePrice × propertyTaxRate. Actual assessed value may differ from sale price. Effective rates vary within a metro; these are metro-wide medians.

Commute-hours calculations assume 250 working days/year and a round-trip commute. "Tied" in the comparison table means values within ±1% of each other.

Last reviewed reflects the maximum retrievedAt timestamp across every sourced dataset feeding this page. When any source refreshes, the next ISR revalidation (every 24 hours) picks the new date.

Cost of living data sourced from [6] C2ER, [2] U.S. Census Bureau, and [1] Zillow Research. Tax rates from [4] Tax Foundation. Last reviewed 2026-05-30.