St. Louis vs Long Beach

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 · California salaries

Living in St. Louis vs Long Beach

Housing is typically the biggest factor in any cost-of-living comparison. St. Louis has a housing index of 72 while Long Beach sits at 236 (national average = 100). The median home in St. Louis costs $175,000 compared to $700,000 in Long Beach, a difference of $525,000. Monthly rent follows a similar pattern: $1,000 in St. Louis versus $2,200 in Long Beach.

Groceries and everyday expenses show a notable difference: St. Louis scores 97 while Long Beach scores 106.

Healthcare costs in St. Louis (95) are lower than Long Beach (103). Both are close to the national average.

Median household income in St. Louis is $45,782 compared to $60,567 in Long Beach. When adjusted for cost of living, income goes further in St. Louis.

Relocating: St. Louis vs Long Beach

If you are considering a move between St. Louis (index: 90) and Long Beach (index: 155), the 42% cost difference has real implications for your budget. St. Louis 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 Long Beach can afford $1,413/month. With median homes at $175,000 in St. Louis versus $700,000 in Long Beach, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $1,000/month in St. Louis and $2,200/month in Long Beach, renters save significantly in St. Louis. 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 St. Louis 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 Long Beach (155)

The cost of living index uses 100 as the national average. St. Louis at 90 is 10% below the US average, while Long Beach at 155 is 55% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

The 65-point spread between Long Beach (155) and St. Louis (90) is large enough to reshape a household budget entirely, especially for single-income families. The biggest category divergence is housing, where St. Louis scores 72 and Long Beach scores 236. That 164-point gap is the primary driver of the overall cost difference between these two metros. Housing, the largest line item for most households, favors St. Louis with indices of 72 versus 236. Median home prices of $175,000 in St. Louis and $700,000 in Long Beach underscore this gap.

For renters: With median rents of $1,000/month in St. Louis and $2,200/month in Long Beach, the annual rent difference is approximately $14,400. Over a 5-year period, that compounds to $72,000 in savings by choosing the more affordable city.

For homebuyers: The $525,000 difference in median home prices between St. Louis and Long Beach translates to roughly $31,500 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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