COMPARE COST OF LIVING

St. Louis County, MO→Shelby County, TN

Equivalent salary in Shelby County, TN

$48,920

-2.16% lower

Current salary: $50,000

Household: 1 adult · 0 children

Median Income in St. Louis County, MO: $108,392

Median Income in Shelby County, TN: $80,849

Living Index in St. Louis County, MO 43.30

Living Index in Shelby County, TN 56.79

This estimate matches your purchasing power (equivalent salary) when moving from St. Louis County, MO to Shelby County, TN.

* Living index is estimated from (estimated total cost / median_income of area) * 100.A living index above 100% means costs exceed median income.

Cost of Living Breakdown by Category

Summary/TLDR:

Total costs in St. Louis County, MO and Shelby County, TN are within about 2.16% of each other. The move is less about overall savings and more about swapping which categories are expensive: you’ll feel the difference in specific areas like Taxes, not in your entire budget. Moving can lead to meaningful savings especially in Food, Other Costs, and Taxes According to the Economic Policy Institute’s 2025 Family Budget data, St. Louis County, MO's Taxes costs are 17.59% higher ($7,538 vs. $6,212), driving a large part of the cost difference. Movers could potentially save $1,326 in annual expenses. Housing, Transport and Healthcare costs for Shelby County, TN , however, rise slightly.

Since Taxes is one of the biggest drivers of living costs, this gap alone can noticeably change how the move feels month to month. Tax differences tend to matter more as your income rises, so higher earners will feel this gap the most.

Below we break down the key differences driving this gap.

What changed the most?

The following numbers represent which categories have the highest and lowest cost increase when moving to Shelby County, TN.

Biggest Increase

Highest new COST when moving to Shelby County, TN

Average Cost:

$12,030 per year

HOUSING costs are highest in Shelby County, TN.

Smallest Increase

Highest money SAVE when moving to Shelby County, TN

Average Cost:

$6,212 per year

TAXES costs are lowest in Shelby County, TN.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	3.42% higher
St. Louis County, MO Shelby County, TN Average Cost $12030.00 $12441.00 INFO: Housing costs are based on the Department of Housing and Urban Development. The data represented shows the rental cost at the 40th percentile at a given area for privately owned, rental unit. Studio apartments were paired with 1 adult families, 1 Bedroom apartments with 2 Adult families, and 2 bedroom apartments for families with 1 or 2 children.
Food	-8.99% lower
St. Louis County, MO Shelby County, TN Average Cost $4760.00 $4332.00 INFO: Food cost are based on the U.S. Department of Agriculture's food plan. Numbers are normalized to each area using weights from Feeding America and the Meal Gap data. This number assumes most food is bought at a local grocery store and then prepared at home.
Transport	1.77% higher
St. Louis County, MO Shelby County, TN Average Cost $11729.00 $11937.00 INFO: Transportation costs are a combination of auto ownership, auto use, and public transit. Data is collected from the Center for Neighborhood Technology (CNT).
Healthcare	2.39% higher
St. Louis County, MO Shelby County, TN Average Cost $5228.00 $5353.00 INFO: Health care expenses come from an average of insurance premiums and out-of-pocket costs. The data assumes families purchase the lowest cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family foundation and U.S. Department of Health and Human Services (HHS).
Other Costs	-0.11% lower
St. Louis County, MO Shelby County, TN Average Cost $5649.00 $5643.00 INFO: This cost is calculated through the average spending of categories deemed necessary by the Bureau of Labor Statistics Consumer Expenditure Survey. These include apparel, personal care, household supplies, reading materials, and school supplies.
Taxes	-17.59% lower
St. Louis County, MO Shelby County, TN Average Cost $7538.00 $6212.00 INFO: Taxes are calculated from the National Bureau of Economic Research. The number weighs in personal income tax, state income tax, federal Social Security, and Medicare taxes.

In your new location your total average costs would be $45918.00 compared to your previous average costs of $46934.00.

The lower price could be attributed to different factors. For example, in larger percentage differences, Large gaps often reflect location metropolitan vs. non-metropolitan cost structures.

In this case Shelby County, TN and St. Louis County, MO are both metropolitan locations.

Use our map to visually compare multiple counties at once.

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