FIRE in St. Louis, MO
Local insight: What makes this city unique for FIRE isn't obvious from census data alone. After running detailed cost analysis and factoring in local tax quirks, healthcare variability, and housing market dynamics, I've found the standard FIRE formulas need significant adjustment for local conditions.
St. Louis is one of America's most affordable historic cities: free zoo and museums (Forest Park), strong healthcare/biotech sector, and median homes ~$230K.
| Category | Monthly Cost |
|---|---|
| Housing (1BR) | $1,100 |
| Food | $400 |
| Transportation | $280 |
| Healthcare | $410 |
| Utilities | $200 |
| Entertainment | $280 |
| Total | $2,670 |
Median home: $230,000. FIRE Number: $801,000 (Lean), $1,120,000 (Traditional). MO tax up to 4.95%.
Local Considerations
City earnings tax (1%) is often missed. World-class free attractions (Zoo, Art Museum, Science Center, Arch). Food scene is excellent and cheap. WashU and BJC provide healthcare stability.
Neighborhood Breakdown
| Neighborhood | 1BR Rent | Median Home | Walk Score | Transit Score | Vibe |
|---|---|---|---|---|---|
| Central West End | $1,100-1,500 | $300-420K | 75 | 35 | Walkable, dining, historic, BJC hospitals |
| Tower Grove / South Grand | $1,000-1,400 | $280-380K | 65 | 25 | Diverse, parks, affordable, international food |
| Soulard / Benton Park | $1,000-1,400 | $260-360K | 60 | 25 | Historic, breweries, Mardi Gras, affordable |
| Clayton / Richmond Heights | $1,300-1,700 | $400-550K | 45 | 20 | Top schools, corporate, safe |
Tax Reality
MO income tax up to 4.95% (progressive). City of St. Louis adds 1% earnings tax. Property tax ~1.4% effective. Sales tax 9.68% (one of highest).
Local costs sourced from Zillow Rental Market Report (Q1 2026) and Redfin Data Center. Walkability scores from Walkscore.com. Tax data from official 2026 state Department of Revenue publications.