Modesto, CA vs St. Louis, MO
Moving from Modesto to St. Louis? Here's what changes — from your equivalent salary to housing ($468,302 → $276,878 median home) and taxes.
Modesto vs St. Louis at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Modesto, CA, you'd need about $90,341 in St. Louis, MO (−$9,659).
Livability — Modesto, CA: 52 · St. Louis, MO: 65 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,602 sqft in Modesto vs 3,161 sqft in St. Louis ($312 vs $158 per sqft).
Annual cost breakdown (at $100,000)
| Category | Modesto, CA | St. Louis, MO | Difference |
|---|---|---|---|
| Housing | $24,624 | $17,412 | −$7,212 |
| Groceries | $5,247 | $4,934 | −$312 |
| Transportation | $5,125 | $3,390 | −$1,735 |
| Utilities | $3,804 | $1,512 | −$2,292 |
| Insurance | $1,500 | $2,400 | +$900 |
| Taxes | $19,239 | $10,488 | −$8,751 |
| Total | $59,539 | $40,136 | −$19,402 |
Side by side
| Metric | Modesto, CA | St. Louis, MO |
|---|---|---|
| Cost-of-living index | 105.1 | 95.0 |
| Unemployment rate | 8.16% | 4.35% |
| Population growth (5-yr) | 3.1% | 0.3% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.98 | $5.40 |
| Median home price | $468,302 | $276,878 |
| Home price ÷ income | 6.3× | 3.7× |
| 1-yr home appreciation | -0.8% | 2.9% |
| Price per square foot | $312 | $158 |
| Median rent | $2,052 | $1,451 |
| Total tax burden (% income) | 13.5% | 9.3% |
| Combined sales tax | 8.82% | 8.38% |
| Capital gains tax | 13.30% | 4.80% |
| Property tax rate | 0.73% | 1.26% |
| Healthcare (annual) | $7,200 | $6,400 |
| Childcare (annual, infant) | $19,000 | $10,000 |
| Vehicle property tax | 0.65% | 2.55% |
| Avg commute (min) | 31 | 25 |
| Home insurance / yr | $1,500 | $2,400 |
| Auto insurance / yr | $2,400 | $1,800 |
| Flood insurance / yr | $750 | $750 |
| Earthquake insurance / yr | $950 | $400 |
| Electricity ¢/kWh | 35.3 | 14.0 |
| Gas $/gal | 4.85 | 3.00 |
| Natural gas / mo | $72 | $72 |
| Water & sewer / mo | $138 | $184 |
| Home internet / mo | $83 | $86 |
| Violent crime /100k | 500 | 490 |
| Avg summer high °F | 84 | 89 |
| Avg winter low °F | 45 | 22 |
| Annual precipitation (in) | 13.5 | 41.7 |
| Annual snowfall (in) | 0.0 | 16.6 |
| Sunshine (% possible) | 75% | 57% |
| Permit difficulty (1–5) | 5 | 2 |