Overall
- St. Louis
- 95.1
- Chambersburg
- 94.6
Diff -0.4 RPP
St. Louis vs Chambersburg
Cost of living comparison based on BEA Regional Price Parities. Chambersburg is 0.5% less expensive than St. Louis.
0.5% less expensive
Chambersburg, PA is 0.5% less expensive than St. Louis, MO-IL on BEA Regional Price Parities (overall RPP 94.6 vs 95.1). A $100,000 salary in St. Louis buys about the same as $99,531 in Chambersburg; the largest component gap is services.
- Overall RPP 95.1 (St. Louis) vs 94.6 (Chambersburg)
- $100k in St. Louis ≈ $99,531 purchasing power in Chambersburg
- Services drives the gap (+38.4 RPP points)
RPP parity plate
Pair MO:PA 95.1→94.6
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE MO × PA
- SPLIT-BUDGET Split budget
- BOTH-BELOW Both below 100
- PP-PAR PP near-par
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
St. Louis
95.1
Cost Index
Chambersburg
94.6
Cost Index
What This Comparison Actually Tells You
St. Louis, MO-IL and Chambersburg, PA are a photo finish on overall price level, only 0.4 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Chambersburg is 38.4 points higher. But services and goods move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in St. Louis to $99,531 in Chambersburg, but it is not a personal spending weight.
Category Breakdown
Goods
- St. Louis
- 100.0
- Chambersburg
- 100.7
Diff +0.7 RPP
Services
- St. Louis
- 69.9
- Chambersburg
- 108.3
Diff +38.4 RPP
Rents
- St. Louis
- 79.0
- Chambersburg
- 71.9
Diff -7.1 RPP
| Category | St. Louis | Chambersburg | Difference |
|---|---|---|---|
| Overall | 95.1 | 94.6 | -0.4 |
| Goods | 100.0 | 100.7 | +0.7 |
| Services | 69.9 | 108.3 | +38.4 |
| Rents | 79.0 | 71.9 | -7.1 |
Visual Comparison
Overall
St. Louis 95.1
Chambersburg 94.6
Goods
St. Louis 100.0
Chambersburg 100.7
Services
St. Louis 69.9
Chambersburg 108.3
Rents
St. Louis 79.0
Chambersburg 71.9
Vertical line = national average (100)
Salary Equivalents
What a salary in St. Louis would need to be in Chambersburg for the same purchasing power:
| In St. Louis | In Chambersburg | Difference |
|---|---|---|
| $50,000 | $49,765 | $-235 |
| $75,000 | $74,648 | $-352 |
| $100,000 | $99,531 | $-469 |
| $150,000 | $149,296 | $-704 |
$ in St. Louis = in Chambersburg
Same BEA Regional Price Parity ratio as the table above (95.1 → 94.6), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Chambersburg more expensive than St. Louis?
Chambersburg is 0.5% less expensive than St. Louis. The overall cost index is 94.6 vs 95.1 (national average = 100).
What salary in Chambersburg equals $100K in St. Louis?
A $100,000 salary in St. Louis has the same purchasing power as $99,531 in Chambersburg. This is based on the BEA Regional Price Parity indexes.
How do rents compare between St. Louis and Chambersburg?
Rents in St. Louis are indexed at 79.0 while Chambersburg is at 71.9 (national average = 100). St. Louis has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.