City comparison

Phoenix, AZ vs St. Louis, MO

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Phoenix, AZ are 8.7% higher than in St. Louis, MO. Someone earning $100,000 in St. Louis, MO would need about $108,700 in Phoenix, AZ to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $1,583 a month in Phoenix, AZ versus $995 in St. Louis, MO. On $100,000, that's 25% of take-home pay in Phoenix, AZ and 16% in St. Louis, MO.
  • On $100,000, estimated state income tax is about $1,471 a year higher in St. Louis, MO than in Phoenix, AZ.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −2.0% moving from Phoenix, AZ to St. Louis, MO ($111,338 → $109,137), while prices change by −8.0%. Net effect of the transfer: +6.5% in real buying power.
PhoenixSt. Louis
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Phoenix, AZ: price level 103.3 (pricier)
  • St. Louis, MO: price level 95.1 (cheaper)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Phoenix, AZSt. Louis, MO
Price level (U.S. = 100)2103.395.1
$100,000 is worth, in the other city2$92,036 in St. Louis$108,653 in Phoenix
Typical 1-bedroom rent3$1,583/mo$995/mo
Take-home on $100,00014,15,8$76,889$75,417
State income tax on $100,000 (estimate)8$2,291 (AZ)$3,763 (MO)
Rent burden on $100,00025%16%
Median pay, all jobs4$51,380$49,990
Federal locality pay area7Phoenix-Mesa, AZSt. Louis-St. Charles-Farmington, MO-IL

Rent areas: Phoenix-Mesa-Chandler, AZ MSA and St. Louis, MO-IL HUD Metro FMR Area. Metro areas: Phoenix-Mesa-Chandler, AZ and St. Louis, MO-IL.

What costs more or less

Phoenix, AZSt. Louis, MO
Price level (U.S. = 100)PhoenixSt. Louis
Housing (rent)121.279.0
Goods95.0100.0
Utilities93.369.9
Other services104.098.6
Overall103.395.1
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Phoenix, AZ → St. Louis, MO

Same pay goes further

Buying power +8.7%; rent takes 16% of take-home; state tax +$1,471/yr.

96 Strong offer

St. Louis, MO → Phoenix, AZ

Same pay buys less

Buying power −8.0%; rent takes 25% of take-home; state tax −$1,471/yr.

44 Weak offer

On the GS pay scale?

Phoenix, AZ is in the Phoenix-Mesa, AZ pay area; St. Louis, MO is in St. Louis-St. Charles-Farmington, MO-IL. The last column shows what a transfer from Phoenix, AZ to St. Louis, MO at the same grade and step does to real buying power.

Grade5,2Phoenix, AZSt. Louis, MOReal change, Phoenix → St. Louis
GS-9 step 1$64,564$63,288+6.5%
GS-11 step 1$78,117$76,573+6.5%
GS-12 step 1$93,629$91,779+6.5%
GS-13 step 1$111,338$109,137+6.5%
GS-14 step 1$131,568$128,967+6.5%

Pay for common jobs

Median annual pay4Phoenix, AZSt. Louis, MOSt. Louis pay in Phoenix dollars
Elementary School Teachers, Except Special Education$59,180$60,650$65,898 (+11.4%)
Software Developers$131,750$129,030$140,195 (+6.4%)
Accountants and Auditors$80,820$78,880$85,706 (+6.0%)
Registered Nurses$100,830$83,180$90,378 (−10.4%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.