Is St. Louis, MO cheaper than Carpentersville, IL?

Based on cost of living data, St. Louis, MO is 9.7% cheaper than Carpentersville, IL. This translates to saving $725 per month.

What salary do I need in St. Louis, MO to live like I do in Carpentersville, IL?

If you earn $150,000 in Carpentersville, IL, you'd need approximately $141,297.225 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Carpentersville, IL and St. Louis, MO?

Housing in St. Louis, MO is 23.9% cheaper than in Carpentersville, IL. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,386/month in Carpentersville, IL.

How much can I save per month by moving from Carpentersville, IL to St. Louis, MO?

Moving from Carpentersville, IL to St. Louis, MO could save you approximately $725 per month, or $8703 per year, based on a $150,000 salary.

Carpentersville, IL vs St. Louis, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Carpentersville, IL — ZIP-level rent data · COL adjusted from Chicago, IL area

Current salary in Carpentersville, IL

Numbers update automatically as you type

You'd save $725/month moving to St. Louis, MO

$150.0K in your current city equals $141.3K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area

Overall Cost

↓ 9.7%

Less expensive

Monthly Impact

$725

Savings

Annual Impact

$8.7K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Carpentersville, IL

Population:37K

Cost Index:100

Median Home:$278K

St. Louis, MO

Population:302K

Cost Index:90

Median Home:$145K

Carpentersville, IL

The Prairie State

37K

Population

State Tax

Yes

Located in Illinois, this city has a population of 37K residents.

St. Louis, MO

The Show-Me State

302K

Population

State Tax

Yes

Located in Missouri, this city has a population of 302K residents.

Cost Breakdown by Category

Annual spending: Carpentersville, IL vs St. Louis, MO

Category	Carpentersville, IL	St. Louis, MO	Difference	Change
🏠Housing	$2,459/mo	$1,871/mo	↓ $588less	23.9%
🚗Transportation	$1,497/mo	$1,216/mo	↓ $281less	18.8%
⚡All Utilities	$490/mo	$535/mo	↑ $45.51more	9.3%
📦Other	$1,566/mo	$1,607/mo	↑ $40.99more	2.6%
🏥Healthcare	$561/mo	$527/mo	↓ $34.79less	6.2%
🛒Groceries	$972/mo	$949/mo	↓ $22.21less	2.3%

🏠Housing

↓ 23.9%

Carpentersville, IL

$2,459

St. Louis, MO

$1,871

Difference

$588

less

🚗Transportation

↓ 18.8%

Carpentersville, IL

$1,497

St. Louis, MO

$1,216

Difference

$281

less

⚡All Utilities

↑ 9.3%

Carpentersville, IL

$490

St. Louis, MO

$535

Difference

$45.51

📦Other

↑ 2.6%

Carpentersville, IL

$1,566

St. Louis, MO

$1,607

Difference

$40.99

🏥Healthcare

↓ 6.2%

Carpentersville, IL

$561

St. Louis, MO

$527

Difference

$34.79

less

🛒Groceries

↓ 2.3%

Carpentersville, IL

$972

St. Louis, MO

$949

Difference

$22.21

less

🏛️ Local Income Taxes

St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)

Carpentersville, IL has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$1,151

To$910

↓ $241

1 Bed

From$1,227

To$950

↓ $277

2 Bed

From$1,386

To$1,160

↓ $226

3 Bed

From$1,787

To$1,490

↓ $297

Carpentersville, ILZIP-level data

1BR range: $1,620–$1,620/mo

St. Louis, MOZIP-level data

1BR range: $800–$1,480/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,545

Monthly in Carpentersville, IL

$6,705

Monthly in St. Louis, MO

$840

Difference

Home Values

Carpentersville

St. Louis

$278K

Median Value

$145K

↑ +4.2%

YoY Change

↓ -0.8%

↑ +42.6%

5-Year Change

↑ +10.9%

$278K

Price Range

$38K - $302K

Homes in St. Louis are 48% less expensive than Carpentersville

Calculate payment - Carpentersville Calculate payment - St. Louis

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $504

More taxes

Monthly Difference

$42.00

Less take-home

Effective Rate Diff

0.3%

Rate difference

Carpentersville, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

St. Louis, MO

Federal Income Tax

Effective: 18.9%

$25.5K

Missouri State Tax

Effective: 5.3%

$7.9K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$44.9K

Take-Home Pay

$8,755/month

$105.1K

Additional Tax Information

Carpentersville, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

St. Louis, MO Tax Rates

Sales Tax:8.2%

Property Tax:1.0%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.