To keep the same standard of living as $100,000 in San Francisco, you'd need about $81,500 in St. Louis — a $18,500 saving per year.
Estimated monthly spending for a middle-income household, adjusted by each metro's BEA price level.
The salary you'd need in St. Louis to maintain the same purchasing power as each income level in San Francisco, using the BEA price ratio of 0.815.
| Salary in San Francisco | Equivalent in St. Louis | Difference |
|---|---|---|
| $50,000 | $40,700 | −$9,300 |
| $75,000 | $61,100 | −$13,900 |
| $100,000 | $81,500 | −$18,500 |
| $150,000 | $122,200 | −$27,800 |
| $200,000 | $162,900 | −$37,100 |
Moving from San Francisco, CA to St. Louis, MO means your everyday costs are cheaper by roughly 18.5%. The U.S. Bureau of Economic Analysis measures San Francisco's overall price level at 118.2 and St. Louis's at 96.3, where 100 represents the national average. In practical terms, a household spending $6,088 per month in San Francisco would spend about $4,899 for the equivalent lifestyle in St. Louis — a swing of $1,189 every month, or $14,268 per year.
Housing is the decisive factor. Estimated monthly housing runs $2,788 in San Francisco against $1,960 in St. Louis. Because rent and mortgage costs vary far more between metros than groceries or utilities, the housing line alone accounts for most of the 18.5% gap.
For salary negotiation or a remote-work relocation, the key number is the equivalent salary. A $100,000 income in San Francisco has the same purchasing power as $81,500 in St. Louis. Looked at the other way, $100,000 in St. Louis is worth about $122,700 in San Francisco terms. Use the Cost of Living Calculator to plug in your own expenses.
Price levels don't include income tax, which can significantly swing your real take-home pay — especially between CA and MO.
St. Louis is 18.5% cheaper than San Francisco overall. Based on the U.S. Bureau of Economic Analysis Regional Price Parities (2023), San Francisco has a price level of 118.2 versus 96.3 for St. Louis, where 100 equals the national average.
To maintain the same purchasing power as a $100,000 salary in San Francisco, you would need about $81,500 in St. Louis — a difference of $18,500 per year.
Estimated monthly housing runs about $2,788 in San Francisco versus $1,960 in St. Louis. Housing is the single biggest driver of the cost-of-living gap between the two metros.
Sources & methodology
Price levels use the U.S. Bureau of Economic Analysis Regional Price Parities for metropolitan areas (2023, the most recent metro-level release). San Francisco maps to the San Francisco-Oakland-Berkeley, CA MSA; St. Louis maps to the St. Louis, MO-IL MSA. Category spending baselines come from the U.S. Bureau of Labor Statistics Consumer Expenditure Survey. Category-level figures are modeled estimates and are illustrative; actual costs vary by household. This is a planning tool, not financial advice.
