Indianapolis vs St. Louis

Cost of living and salary reality, side by side. At $60-80k, $70,000 in Indianapolis feels like approximately $56,249 in St. Louis.

Data: 2026-Q2 · BLS · HUD · KFF

Your $60-80k in Indianapolis feels like $56,249 in St. Louis. Moving would decrease your purchasing power by 20%.

Income
Housing

Indianapolis

St. Louis

Breathing Room
 
Housing Pressure
low
 
low
1BR Rent
$1,267/mo
 
$995/mo
State Tax
IN tax applies
 
MO tax applies
Take-Home /mo
$4,628
 
$4,523
Remote Work Fit
Indianapolis offers strong value for remote workers maintaining above-local-market salaries. Eli Lilly's campus creates an anchor for life sciences remote and hybrid work.
 
St. Louis represents one of the strongest value propositions among major metros — the lowest housing costs of the 35 metros, free museum access in Forest Park, and a revitalizing arts and restaurant scene.
Walk Score
31
 
66
Spacious
$60-80k · Indianapolis vs St. Louis
Income Reality Check

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Curious what a raise — or a different path — would change?

THEN — $60-80k
NOW — $60-80k
~$4,628/mo take-home

At $60-80k in Indianapolis, your picture shifts from spacious toward spacious.

No city is objectively better. Indianapolis and St. Louis each fit different priorities — the right one depends on what you're building toward.

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FAQ

Indianapolis vs St. Louis — FAQ

Is it cheaper to live in Indianapolis or St. Louis?

HUD FY2026 1BR Fair Market Rent is $1,267/mo in Indianapolis and $995/mo in St. Louis. St. Louis has lower median housing costs. Source: HUD FY2026 FMR.

How much do I need to earn in St. Louis to match Indianapolis?

At a $60-80k income, $70,000 in Indianapolis feels like approximately $56,249 in St. Louis — a reduction of about 20% in purchasing power.

What is the state tax difference between Indianapolis and St. Louis?

Indianapolis is in IN (IN levies income tax) and St. Louis is in MO (MO levies income tax). Source: Tax Foundation 2025.

Which city has more breathing room?

Breathing room depends on your income and housing situation. Use the interactive comparison above to see how each city's picture changes across income bands.

Income Reality Check is an educational tool, not financial advice. Your situation has more dimensions than any tool can capture.