New York City vs St. Louis

Cost of living and salary reality, side by side. At $60-80k, $70,000 in New York City feels like approximately $25,557 in St. Louis.

Data: 2026-Q2 · BLS · HUD · KFF

Your $60-80k in New York City feels like $25,557 in St. Louis. Moving would decrease your purchasing power by 63%.

Income
Housing

New York City

St. Louis

Breathing Room
 
Housing Pressure
high
 
low
1BR Rent
$2,655/mo
 
$995/mo
State Tax
NY tax applies
 
MO tax applies
Take-Home /mo
$4,403
 
$4,523
Remote Work Fit
Remote workers who relocate to NYC gain career network density and cultural access, but face some of the highest housing costs in the country. The calculation often favors those whose remote income is calibrated to coastal-market pay scales.
 
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
88
 
66
Getting By
$60-80k · New York City 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
~$4,403/mo take-home

At $60-80k in New York City, your picture shifts from getting-by toward getting-by.

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

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New York City vs BostonNew York City vs PhiladelphiaNew York City vs Washington, DC
New York City profile St. Louis profile Run Reality Check →
FAQ

New York City vs St. Louis — FAQ

Is it cheaper to live in New York City or St. Louis?

HUD FY2026 1BR Fair Market Rent is $2,655/mo in New York City 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 New York City?

At a $60-80k income, $70,000 in New York City feels like approximately $25,557 in St. Louis — a reduction of about 63% in purchasing power.

What is the state tax difference between New York City and St. Louis?

New York City is in NY (NY 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.