Side-by-side cost of living comparison for 2026
Median Income: $45,782
Population: 301,578
Median Income: $49,127
Population: 1,603,797
When comparing St. Louis and Philadelphia, the overall cost of living differs by 34.9%. Philadelphia carries a cost index of 112 compared to St. Louis's 83, meaning your dollar stretches 26% further in St. Louis.
Housing is where the most significant gap appears between these two cities. St. Louis has a housing index of 72 compared to Philadelphia's 112. This 40-point difference translates to substantial monthly savings on rent or mortgage payments in St. Louis.
St. Louis is more affordable for: Housing, Food & Groceries, Transportation, Healthcare, Utilities, Entertainment, Taxes.
If you earn $60,000 in St. Louis, you would need $80,964 in Philadelphia to maintain the same standard of living. For a $100,000 salary, the equivalent would be $134,940.
The median household income in St. Louis is $45,782 compared to $49,127 in Philadelphia. Philadelphia has higher incomes, though the higher cost of living may offset this advantage.
Safety: St. Louis scores 3/10 while Philadelphia scores 4/10 in our safety assessment.
Weather: Both cities score similarly for weather at 5/10.
Job Market: Both cities have comparable job markets at 6/10.
St. Louis is the more affordable option overall, but cost is just one factor in deciding where to live. Consider your career opportunities, family needs, and lifestyle preferences alongside the financial comparison. Philadelphia may justify its higher costs with unique cultural amenities that many residents find worthwhile.
