2026 Relocation & Cost Arbitrage Engine

Relocation: Buffalo-Cheektowaga, NY to St. Louis, MO-IL

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Income tax, HUD Fair Market Rents and EPI living costs for a move from Buffalo-Cheektowaga, NY to St. Louis, MO-IL.

Popular Corridors:
Equivalent Salary
$96,900
To maintain parity
Cost of Living Delta
-3.1%
Overall expenditure basket
Annual Tax Delta
+$190
State + local taxes
Annual 1BR Rent Delta
-$1,188
HUD Fair Market Rents
Net Annual Buffer
+$1,378/yr
Tax + housing gain

Interactive Purchasing Power Equivalency Workbench

Adjust your current salary at origin to dynamically compute the statutory tax burden, housing costs, and discretionary cash in both markets.

Presets:
$
$30,000 $100,000 $200,000 $300,000
Origin Location

Buffalo-Cheektowaga, NY

COL 105.7
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,860
Local / City Tax $0
Net Annual Take-Home $74,320
HUD 1BR Fair Market Rent -$14,436
Discretionary Cash Flow $59,884
Target Market
Destination Location

St. Louis, MO-IL

COL 102.3
Gross Parity Income $96,900
Federal Income Tax -$12,488
FICA (SS & Medicare) -$7,413
State Income Tax -$3,529
Local / City Tax -$969
Net Annual Take-Home $72,501
HUD 1BR Fair Market Rent -$13,248
Discretionary Cash Flow $59,253

EPI family budgets put living costs 3.1% lower in St. Louis, MO-IL than in Buffalo-Cheektowaga, NY, so $100,000 in Buffalo goes about as far as $96,900 in St. Louis. HUD's one-bedroom Fair Market Rent is $1,203 a month in Buffalo and $1,104 in St. Louis, $1,188 a year less. On the same $100,000 salary a single filer pays $190 less a year in federal, state and local income tax and FICA in St. Louis. Taxes and one-bedroom rent together leave you about $1,378 a year better off. The BLS median wage across all occupations is $50,790 in Buffalo and $49,990 in St. Louis.

Itemized Cost of Living Expenditure Arbitrage

Category-by-category breakdown of monthly baseline consumption between origin and destination.

Expenditure Category Buffalo-Cheektowaga (Monthly) St. Louis (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,203$1,104-$99-8.2%
Food & Groceries$376$373-$3-0.8%
Transportation$971$1,018+$47+4.8%
Healthcare$504$427-$77-15.3%
Other Necessities$417$411-$6-1.4%
Total Taxes (Federal, State, Local, FICA)$2,140$2,124-$16-0.7%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$99/mo (-8.2%)
Buffalo-Cheektowaga: $1,203/mo St. Louis: $1,104/mo
2-Bedroom Fair Market Rent -$74/mo (-5.2%)
Buffalo-Cheektowaga: $1,423/mo St. Louis: $1,349/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$0.73/hr (-3.1%)
Buffalo-Cheektowaga: $23.36/hr St. Louis: $22.63/hr
2 Adults + 1 Child (per earner) -$1.92/hr (-8.4%)
Buffalo-Cheektowaga: $22.99/hr St. Louis: $21.07/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector Buffalo-Cheektowaga Median St. Louis Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$103,280$93,140-$10,140 (-9.8%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$99,060$83,180-$15,880 (-16.0%)View Dossier
Accountant & AuditorFinanceFinance$82,120$78,880-$3,240 (-3.9%)View Dossier
Software EngineerTechnologyTechnology$127,850$129,030+$1,180 (+0.9%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$101,180$100,510-$670 (-0.7%)View Dossier
Financial ManagerFinanceFinance$164,230$158,780-$5,450 (-3.3%)View Dossier
ElectricianSkilled TradesSkilled Trades$77,930$77,170-$760 (-1.0%)View Dossier
Solutions ArchitectTechnologyTechnology$104,700$108,450+$3,750 (+3.6%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,620$51,790+$3,170 (+6.5%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$84,710$101,100+$16,390 (+19.3%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$172,650$167,130-$5,520 (-3.2%)View Dossier
CNC MachinistIndustrial ManufacturingIndustrial Manufacturing$60,650$62,210+$1,560 (+2.6%)View Dossier

Major US Inter-Metro Relocation Corridors

Empirical cost differentials and statutory tax savings across high-volume migration routes.

New York-Newark-Jersey City → Austin-Round Rock-San Marcos

On $100k: $8,301 less tax and $14,388 less 1BR rent a year

-30.6% COL+$22,689/yr
San Francisco-Oakland-Fremont → Austin-Round Rock-San Marcos

On $100k: $6,211 less tax and $17,676 less 1BR rent a year

-30.4% COL+$23,887/yr
Chicago-Naperville-Elgin → Dallas-Fort Worth-Arlington

On $100k: $4,805 less tax and $2,928 less 1BR rent a year

-2.2% COL+$7,733/yr
San Francisco-Oakland-Fremont → Columbus

On $100k: $1,729 less tax and $19,884 less 1BR rent a year

-41.0% COL+$21,613/yr
Los Angeles-Long Beach-Anaheim → Phoenix-Mesa-Chandler

On $100k: $4,113 less tax and $10,908 less 1BR rent a year

-13.5% COL+$15,021/yr
Seattle-Tacoma-Bellevue → Denver-Aurora-Centennial

On $100k: $3,761 more tax and $4,188 less 1BR rent a year

-13.6% COL+$427/yr
Boston-Cambridge-Newton → Raleigh-Cary

On $100k: $1,299 less tax and $11,592 less 1BR rent a year

-16.2% COL+$12,891/yr
New York-Newark-Jersey City → Miami-Fort Lauderdale-West Palm Beach

On $100k: $8,301 less tax and $7,296 less 1BR rent a year

-27.3% COL+$15,597/yr

Buffalo-Cheektowaga, NY to St. Louis, MO-IL Relocation FAQs

About $96,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (105.7 in Buffalo-Cheektowaga, NY, 102.3 in St. Louis, MO-IL, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Buffalo-Cheektowaga, NY to St. Louis, MO-IL: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: St. Louis, MO-IL to Buffalo-Cheektowaga, NY
Relocation: Buffalo-Cheektowaga, NY to St. Louis, MO-IL Overview

Buffalo-Cheektowaga, NY to St. Louis, MO-IL: 2026 federal, state and local income tax, HUD Fair Market Rents and EPI living costs compared on the same salary.

Quick answers
How much salary do I need in St. Louis, MO-IL to match $100,000 in Buffalo-Cheektowaga, NY?

About $96,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (105.7 in Buffalo-Cheektowaga, NY, 102.3 in St. Louis, MO-IL, from EPI family budgets); taxes are compared separately below.

Is St. Louis, MO-IL cheaper than Buffalo-Cheektowaga, NY?

EPI's family budgets for a single adult put overall living costs 3.1% lower in St. Louis, MO-IL than in Buffalo-Cheektowaga, NY. The budgets cover housing, food, transportation, health care and other necessities.