St. Louis vs San Antonio
Side-by-side cost of living comparison for 2026
St. Louis
San Antonio
💡 The Verdict
St. Louis and San Antonio have very similar costs of living, with less than a 3% difference overall.
Category-by-Category Breakdown
Index values shown. National average = 100. Lower is cheaper.
💰 Salary Equivalence
To maintain the same standard of living:
See exact take-home pay: Missouri salaries · Texas salaries
Living in St. Louis vs San Antonio
Housing is typically the biggest factor in any cost-of-living comparison. St. Louis has a housing index of 72 while San Antonio sits at 78 (national average = 100). The median home in St. Louis costs $175,000 compared to $250,000 in San Antonio, a difference of $75,000. Monthly rent follows a similar pattern: $1,000 in St. Louis versus $1,200 in San Antonio.
Groceries and everyday expenses show a narrower gap: St. Louis scores 97 while San Antonio scores 93.
Healthcare costs in St. Louis (95) match San Antonio (95). Both are close to the national average.
Median household income in St. Louis is $45,782 compared to $53,420 in San Antonio. When adjusted for cost of living, purchasing power is similar in both cities.
Relocating: St. Louis vs San Antonio
If you are considering a move between St. Louis (index: 90) and San Antonio (index: 90), the 0% cost difference has real implications for your budget. San Antonio is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.
Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in St. Louis can afford $1,068/month, while the median household in San Antonio can afford $1,246/month. With median homes at $175,000 in St. Louis versus $250,000 in San Antonio, both cities offer reasonable homeownership opportunities at median income.
Renting vs buying: At $1,000/month in St. Louis and $1,200/month in San Antonio, renters face similar costs in both cities. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.
Income adjustment: A $75,000 salary goes further in San Antonio where costs are 10% below the national average. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.
Reading These Numbers: St. Louis (90) vs San Antonio (90)
The cost of living index uses 100 as the national average. St. Louis at 90 is 10% below the US average, while San Antonio at 90 is 10% below average. Both cities are relatively affordable compared to the national average.
The overall index is a weighted average of housing (the largest component), groceries, utilities, transportation, and healthcare. Housing typically drives the biggest differences between cities. Even when two cities have similar overall indices, their category-level costs can vary significantly — one city might have expensive housing but cheap groceries, while another is the reverse. Check the category breakdown above for the full picture.
For renters: With median rents of $1,000/month in St. Louis and $1,200/month in San Antonio, the annual rent difference is approximately $2,400. Over a 5-year period, that compounds to $12,000 in savings by choosing the more affordable city.
For homebuyers: The $75,000 difference in median home prices between St. Louis and San Antonio translates to roughly $4,500 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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