Is it cheaper to live in Nashville or St. Louis?

St. Louis, MO is cheaper. Its monthly baseline of $1,030 (1BR rent + utilities) runs about 31% below Nashville, TN's $1,490, mainly because of rent.

How much more do you need to earn to live in Nashville than in St. Louis?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $53,000 a year in Nashville versus $35,000 in St. Louis.

Which has lower taxes, Nashville or St. Louis?

Nashville is taxed under Tennessee's rules (no state income tax and a 7% state sales tax); St. Louis under Missouri's (a top state income tax rate of 4.70% and a 4.225% state sales tax).

Nashville vs St. Louis Cost of Living 2026

Nashville

Tennessee

$1,490/mo est.

St. Louis

Missouri

$1,030/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,490 in Nashville, TN versus $1,030 in St. Louis, MO. Overall, St. Louis, MO is roughly 31% cheaper to live in day-to-day than Nashville, TN, driven mainly by rent.

Median household income is $75,197 in Nashville, TN and $55,279 in St. Louis, MO — about 26% higher in Nashville, TN. Tennessee has no state income tax and a 7% state sales tax; Missouri has a top state income tax rate of 4.70% and a 4.225% state sales tax.

Nashville, TN

St. Louis, MO

Rent

Studio

$1,341

$864

+36% in Nashville, TN

1 Bedroom

$1,336

$866

+35% in Nashville, TN

2 Bedroom

$1,478

$1,109

+25% in Nashville, TN

3 Bedroom

$1,832

$1,135

+38% in Nashville, TN

Buying a Home

Median Home Value

$383,100

$185,100

+52% in Nashville, TN

Income

Median Household Income

$75,197

$55,279

+26% in Nashville, TN

Metro Median Wage (annual)

$50,390

$49,990

+1% in Nashville, TN

People & Lifestyle

Median Age

34.4 yr

36.6 yr

+2.2 yr in St. Louis, MO

Homeownership

53.0%

45.4%

+7.6 pp in Nashville, TN

Bachelor's+ (25+)

46.9%

40.2%

+6.7 pp in Nashville, TN

Avg Commute

24.9 min

22.2 min

+2.7 min in Nashville, TN

Crime (per 100k/yr)

Violent Crime

1,178.7

1,372.9

+16% in St. Louis, MO

Property Crime

4,558.5

5,794.9

+27% in St. Louis, MO

FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.

Climate

Avg Annual Temperature

59.4°F

55.7°F

+3.7°F in Nashville, TN

Annual Precipitation

47.3 in

40.9 in

+6.3 in in Nashville, TN

Gas

Regular Gasoline

$3.94/gal

about equal

Area: Midwest (PADD 2) vs Midwest (PADD 2).

Public Transit

Base Fare (one-way)

$2.00

—

Adult base one-way fare — WeGo Public Transit vs — (2026).

Utilities

Electricity (¢/kWh)

14.5

13.7

+5% in Nashville, TN

Natural Gas ($/MCF)

$16.83

$24.13

+43% in St. Louis, MO

Residential, state-level averages (EIA). MCF = 1,000 cubic feet.

Groceries

Milk (gal)

$4.00

$4.31

+8% in St. Louis, MO

Bread (lb)

$1.75

$1.66

+5% in Nashville, TN

Eggs (doz)

$2.21

$3.63

+64% in St. Louis, MO

Ground Beef (lb)

$6.45

$6.77

+5% in St. Louis, MO

Chicken (lb)

$1.90

$2.10

+10% in St. Louis, MO

Bananas (lb)

$0.62

about equal

Average prices — South vs Midwest (BLS). Regional where available, otherwise U.S. average.

State Taxes

Sales Tax (TN / MO)

4.225%

+2.8 pp in TN

Income Tax (top rate)

None

4.70%

+4.7 pp in MO

Nashville vs St. Louis — FAQ

Is it cheaper to live in Nashville or St. Louis?: St. Louis, MO is cheaper. Its monthly baseline of $1,030 (1BR rent + utilities) runs about 31% below Nashville, TN's $1,490, mainly because of rent.
How much more do you need to earn to live in Nashville than in St. Louis?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $53,000 a year in Nashville versus $35,000 in St. Louis.
Which has lower taxes, Nashville or St. Louis?: Nashville is taxed under Tennessee's rules (no state income tax and a 7% state sales tax); St. Louis under Missouri's (a top state income tax rate of 4.70% and a 4.225% state sales tax).

Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).