Springfield vs St. Joseph leftover
You'd keep $103 more a month in St. Joseph
$2,632/mo leftover in St. Joseph vs $2,529 in Springfield after tax and rent ($103 more). +$1,236 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Springfield leftover
$2,529
a month after tax and rent
St. Joseph leftover
$2,632
+$103 vs Springfield
Compare Springfield to another metro
Same paycheck. Try a different city next to Springfield.
Monthly gap
Springfield → St. Joseph
$103
more / month in St. Joseph
$2,632 in St. Joseph · $2,529 in Springfield · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
+$103 / mo
| Per month | Springfield | St. Joseph | Difference |
|---|---|---|---|
| Gross pay | $6,708 | $6,740 | +$31 |
| Income and payroll tax | $1,528 | $1,539 | +$11 |
| Take-home pay | $5,180 | $5,201 | +$20 |
| Rent | $865 | $754 | −$111 |
| Getting around | $518 | $547 | +$29 |
| Groceries | $350 | $350 | $0 |
| Healthcare | $394 | $394 | $0 |
| Utilities | $219 | $219 | $0 |
| Everything else | $306 | $306 | $0 |
| Left over | $2,529 | $2,632 | +$103 |
To break even in St. Joseph, you'd need to earn
$79,000
Household gross, versus $80,500 today. That's the salary that leaves you exactly as much at the end of the month as Springfield does now.
The tax difference alone
−$18
A year, in state and local income tax. Effective rates: 22.8% in Springfield, 22.8% in St. Joseph.
More about St. Joseph
Springfield, MO in full
State income tax topping out at 4.7%, a median 2-bedroom asking rent of $1,030 and 219 sunny days; commutes average 23 minutes.
St. Joseph, MO in full
State income tax topping out at 4.7%, a median 2-bedroom asking rent of $898 and 220 sunny days; commutes average 19 minutes.
The reverse move
Same two cities, but starting from St. Joseph on St. Joseph wages.
St. Joseph → Springfield →Questions
Is the cost of living lower in St. Joseph than Springfield?
A one-bedroom is about $865 in Springfield versus $754 in St. Joseph. On a one-adult, one-bedroom household, leftover is about $103 a month higher in St. Joseph. Change the job or household on the comparison to see your number.
Does St. Joseph have state income tax?
St. Joseph is in Missouri, which taxes wage income.
What changes if you move from Springfield to St. Joseph?
Take-home pay is recalculated under Missouri tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Springfield and St. Joseph moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.