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St. Louis vs Kansas City

St. Louis, MO  ·  Kansas City, MO

TL;DR

St. Louis cost-of-living index is 86 vs 92 for Kansas City (US = 100). Median home: $205,000 vs $270,000. Median rent: $900/mo vs $1,146/mo.

Source: Zillow ZHVI/ZORI · Census ACS, 2026-04-19

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St. Louis is 7% cheaper than Kansas City overall.

Written by Jere Salmisto, Founder & Quantitative Systems Builder, CalcFi·Reviewed by CalcFi Editorial·Last reviewed 2026-04-19

Home Price

St.: $205,000

Kansas: $270,000

Monthly Rent

St.: $900/mo

Kansas: $1,146/mo

COL Index

St.: 86

Kansas: 92

Median Income

St.: $61,400

Kansas: $67,800

Side-by-Side Comparison

Metric
St. Louis
Kansas City
Winner
🏠

Median Home Price

$205,000
$270,000
St. Louis
🏢

Monthly Rent (Median)

$900/mo
$1,146/mo
St. Louis
💰

Median Household Income

$61,400
$67,800
Kansas City
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Property Tax Rate

1%
1%
Tied
📊

Cost of Living Index

100 = national average

86
92
St. Louis
🚗

Avg. Commute

24 min
23 min
Kansas City
📈

Unemployment Rate

4.3%
3.7%
Kansas City
👥

Median Age

36.6 yrs
35.7 yrs
St. Louis

What This Means For You

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Buying Power

A $100,000 salary in St. Louis has the same purchasing power as $106,977 in Kansas City — based on each city's cost of living index.

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Housing

Homes in Kansas City are 32% cheaper (-$65,000 less). That's a significant down payment and monthly payment difference.

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Renting

Renting in St. Louis saves you $246/month — $2,952 per year. Median rent: $900/mo in St. Louis vs $1,146/mo in Kansas City.

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Property Taxes

On a median-priced home, St. Louis owners pay roughly $2,050/year in property taxes vs $2,700/year in Kansas City. Rates are comparable.

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Local Earnings

Median household income is $61,400 in St. Louis and $67,800 in Kansas City. St. Louis residents earn 10% more — but remember to factor in cost of living.

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Daily Commute

Average commute is 24 minutes in St. Louis vs 23 minutes in Kansas City. Commute times are nearly identical.

Salary Equivalence

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

Salary in St. LouisEquivalent in Kansas CityDifference
$50,000$53,488+$3,488
$75,000$80,233+$5,233
$100,000$106,977+$6,977
$150,000$160,465+$10,465
$200,000$213,953+$13,953

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

Run the Numbers

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Mortgage Calculator

See monthly payments for homes in either city

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Rent vs Buy

Is it cheaper to rent or buy in these markets?

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Cost of Living

Full cost of living comparison tool

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Home Appreciation

Project future home value growth

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Affordability Calculator

How much home can you afford?

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Property Tax Calculator

Estimate taxes in St. Louis or Kansas City

St. Louis Calculators

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

Kansas City Calculators

→ Mortgage calculator for Kansas City→ Rent vs buy in Kansas City

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St. Louis vs Kansas City: Common Questions

Is St. Louis or Kansas City cheaper to live in?

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

How do home prices compare between St. Louis and Kansas City?

The median home price in St. Louis is $205,000 vs $270,000 in Kansas City — a difference of $65,000 (32%).

What salary do I need in Kansas City to match my St. Louis income?

Use the salary equivalence table above. For example, a $100K salary in St. Louis is equivalent to $106,977 in Kansas City in terms of purchasing power.

Which city has lower property taxes?

Kansas City has a lower property tax rate (1% vs 1%). On a median-priced home, that means paying $2,050/year vs $2,700/year.

How does rent compare in St. Louis vs Kansas City?

Median monthly rent: $900 in St. Louis vs $1,146 in Kansas City. Annualized: $10,800 vs $13,752.

What is the median household income in each city?

St. Louis: $61,400/yr. Kansas City: $67,800/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.

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 2026-04-19.