St. Louis, MO vs Tampa, FL
Simple answer
You'd likely save $568 a month in St. Louis.
This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.
The largest cost gap in this pair is housing prices. The BEA housing price parity differs by 46.8 points (St. Louis 79.0, Tampa 125.8).
Missouri taxes wages at rates up to 4.70%. Florida has no tax on wages. Combined sales tax differs by 1.5 percentage points, higher in Missouri. The effective property tax gap is 0.04 percentage points, higher in Missouri.
After a move from Missouri to Florida, these benefit results change for a family of four at $40,000 and a single adult at $18,000: Marketplace premium tax credits, Medicaid and CHIP.
A $75,000 salary in St. Louis lines up with about $79,576 in Tampa on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
St. Louis
St. Louis, MO-IL
- 2-bedroom Fair Market Rent
- $1,349
- HUD area
- St. Louis, MO-IL HUD Metro FMR Area
- Census median gross rent
- $1,154
- All-items price parity
- 95.1
- Goods price parity
- 100.0
- Utilities price parity
- 69.9
- Mean commute
- 25.4 min
- Median household income
- $81,679
Tampa
Tampa-St. Petersburg-Clearwater, FL
- 2-bedroom Fair Market Rent
- $1,917
- HUD area
- Tampa-St. Petersburg-Clearwater, FL MSA
- Census median gross rent
- $1,776
- All-items price parity
- 100.9
- Goods price parity
- 95.5
- Utilities price parity
- 88.5
- Mean commute
- 29.4 min
- Median household income
- $78,275
Equivalent salary
The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.
$79,576
Salary in Tampa that matches the 2024 all-items regional price parity.
$76,236
Gross salary in Tampa whose after-tax pay buys the same basket, using price parities.
$106,579
Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.
Taxes on the two sides of the move
| Tax | Missouri | Florida |
|---|---|---|
| State income tax on wages | up to 4.70% | No wage tax |
| Combined sales tax, Jan 1, 2026 | 8.4% | 7.0% |
| Effective property tax, ACS 2024 median / median | 0.79% | 0.75% |
On a $400,000 home, the state median effective rate implies about $3,178 a year in Missouri and $3,016 in Florida. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Florida
Same household, $40,000 a year, scored once in Missouri and once in Florida. This is an illustration, not your application.
Food stamps (SNAP)
St. LouisLikely eligible
TampaLikely eligible
Medicaid and CHIP
St. LouisLikely eligible
TampaLikely eligible
WIC
St. LouisLikely eligible
TampaLikely eligible
School meals
St. LouisLikely eligible
TampaLikely eligible
LIHEAP
St. LouisMaybe
TampaMaybe
Earned Income Tax Credit
St. LouisLikely eligible
TampaLikely eligible
Child Tax Credit
St. LouisLikely eligible
TampaLikely eligible
Marketplace premium tax credits
St. LouisUnlikely
TampaLikely eligible
Lifeline phone and internet
St. LouisLikely eligible
TampaLikely eligible
SSI
St. LouisUnlikely
TampaUnlikely
| Program | St. Louis | Tampa |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Maybe |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Unlikely | Likely eligible |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
Marketplace premium tax credits changes. In St. Louis the result is “Unlikely — Medicaid is the closer program.” In Tampa it is “Likely inside the 2026 subsidy range.” Missouri expanded Medicaid, and this income is in the Medicaid range. Marketplace subsidies are usually not the program in that case.
Related comparisons
From St. Louis
The eight largest 2-bedroom Fair Market Rent gaps from St. Louis.
- St. Louis and San Francisco · rent gap $2,348
- St. Louis and San Jose · rent gap $1,923
- St. Louis and Boston · rent gap $1,659
- St. Louis and New York · rent gap $1,622
- St. Louis and Los Angeles · rent gap $1,615
- St. Louis and San Diego · rent gap $1,474
- St. Louis and Miami · rent gap $1,215
- St. Louis and Seattle · rent gap $1,200
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.