What does the St. Louis County, MO vs Shelby County, TN comparison show?

It compares estimated living costs by category, including housing, food, transportation, healthcare, childcare, other necessities, taxes, and income context.

Can I change the salary and family type?

Yes. The comparison calculator supports salary and family type inputs so you can model costs for different households.

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St. Louis County, MO vs Shelby County, TN: Cost of Living Difference

Name: WatchPennies cost of living dataset
Creator: WatchPennies

Is it cheaper?

St. Louis County, MO is cheaper than Shelby County, TN.

Moving to Shelby County, TN is estimated to cost $281 more per year.

Cheaper County

St. Louis County, MOSpend $281 more per year.

Salary needed

$50,000 in St. Louis County, MO is about $50,290 in Shelby County, TN.

Biggest drivers

Housing increases by $1,006 per year. Taxes saves $1,554 per year.

Housing: $1,006 higher in Shelby County, TN

Taxes: $1,554 lower in Shelby County, TN

Childcare: about the same in both counties

Healthcare: $757 higher in Shelby County, TN

Food: $335 lower in Shelby County, TN

Transport: $198 higher in Shelby County, TN

St. Louis County, MO→Shelby County, TN

Equivalent salary in Shelby County, TN

$50,290

+0.58% higher

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 44.53%

Living Index in Shelby County, TN 60.05%

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

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

Cost of Living Breakdown by Category

Summary

Moving from St. Louis County, MO to Shelby County, TN is estimated to cost $281 more per year. To maintain similar purchasing power, a $50,000 salary in St. Louis County, MO would need to be about $50,290 in Shelby County, TN. The biggest increase is housing, followed by healthcare.

This is a 0.58% increase in modeled annual costs. Housing is $1,006 per year higher (8.16%); Healthcare is $757 per year higher (15.15%).

Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.

What changed the most?

The following cards show the annual category differences that most affect the move to Shelby County, TN.

Biggest Cost

Largest annual cost increase when moving to Shelby County, TN

Annual Increase:

$1,006 per year

HOUSING has the largest annual increase when moving to Shelby County, TN.

Biggest Savings

Largest annual savings when moving to Shelby County, TN

Annual Savings:

$1,554 per year

TAXES has the largest annual savings when moving to Shelby County, TN.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	8.16% higher
St. Louis County, MO Shelby County, TN Average Cost $12328.00 $13334.00 INFO: Housing costs are based on Department of Housing and Urban Development data. The estimate uses 40th percentile rent for privately owned rental units in each area. Studio apartments are paired with one-adult households, one-bedroom apartments with two-adult households, and two-bedroom apartments with households that have children.
Food	-7.08% lower
St. Louis County, MO Shelby County, TN Average Cost $4731.00 $4396.00 INFO: Food costs are based on the U.S. Department of Agriculture's food plans. Numbers are normalized to each area using Feeding America and Meal Gap data. This estimate assumes most food is bought at local grocery stores and prepared at home.
Transport	1.69% higher
St. Louis County, MO Shelby County, TN Average Cost $11710.00 $11908.00 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	15.15% higher
St. Louis County, MO Shelby County, TN Average Cost $4996.00 $5753.00 INFO: Healthcare expenses come from average insurance premiums and out-of-pocket costs. The estimate assumes families purchase the lowest-cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family Foundation and the U.S. Department of Health and Human Services (HHS).
Other Costs	3.95% higher
St. Louis County, MO Shelby County, TN Average Cost $5296.00 $5505.00 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.
Childcare	0.00% higher
St. Louis County, MO Shelby County, TN Average Cost $0.00 $0.00 INFO: Childcare expenses are based on combined costs for center-based care and family-based care for 4-year-olds and school-aged children. For households with one child, the estimate assumes the child is 4 years old. For households with two children, the estimate assumes the second child is 8 years old.
Taxes	-16.87% lower
St. Louis County, MO Shelby County, TN Average Cost $9210.00 $7656.00 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 Shelby County, TN, modeled annual costs are $48,553 compared with $48,272 in St. Louis County, MO.

Overall, annual costs are higher in Shelby County, TN. The category breakdown above shows whether housing, taxes, transportation, healthcare, food, childcare, or other necessities are driving the increase.

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

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