Is St. Louis, MO cheaper than Crystal Lake, IL?

Based on cost of living data, St. Louis, MO is 9.1% cheaper than Crystal Lake, IL. This translates to saving $680 per month.

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

If you earn $150,000 in Crystal Lake, IL, you'd need approximately $141,836.846 in St. Louis, MO to maintain the same standard of living.

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

Housing in St. Louis, MO is 23.4% cheaper than in Crystal Lake, IL. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,433/month in Crystal Lake, IL.

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

Moving from Crystal Lake, IL to St. Louis, MO could save you approximately $680 per month, or $8163 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

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

Current salary in Crystal Lake, IL

Numbers update automatically as you type

You'd save $680/month moving to St. Louis, MO

$150.0K in your current city equals $141.8K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 9.1%

Less expensive

Monthly Impact

$680

Savings

Annual Impact

$8.2K

Per year

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

Crystal Lake, IL

Population:41K

Cost Index:100

Median Home:$408K

St. Louis, MO

Population:302K

Cost Index:91

Median Home:$145K

Crystal Lake, IL

The Prairie State

41K

Population

State Tax

Yes

Located in Illinois, this city has a population of 41K 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: Crystal Lake, IL vs St. Louis, MO

Category	Crystal Lake, IL	St. Louis, MO	Difference	Change
🏠Housing	$2,443/mo	$1,871/mo	↓ $572less	23.4%
🚗Transportation	$1,487/mo	$1,216/mo	↓ $271less	18.2%
📦Other	$1,556/mo	$1,607/mo	↑ $51.32more	3.3%
⚡All Utilities	$488/mo	$535/mo	↑ $47.13more	9.7%
🏥Healthcare	$560/mo	$527/mo	↓ $32.94less	5.9%
🛒Groceries	$968/mo	$949/mo	↓ $19.00less	2.0%

🏠Housing

↓ 23.4%

Crystal Lake, IL

$2,443

St. Louis, MO

$1,871

Difference

$572

less

🚗Transportation

↓ 18.2%

Crystal Lake, IL

$1,487

St. Louis, MO

$1,216

Difference

$271

less

📦Other

↑ 3.3%

Crystal Lake, IL

$1,556

St. Louis, MO

$1,607

Difference

$51.32

⚡All Utilities

↑ 9.7%

Crystal Lake, IL

$488

St. Louis, MO

$535

Difference

$47.13

🏥Healthcare

↓ 5.9%

Crystal Lake, IL

$560

St. Louis, MO

$527

Difference

$32.94

less

🛒Groceries

↓ 2.0%

Crystal Lake, IL

$968

St. Louis, MO

$949

Difference

$19.00

less

🏛️ Local Income Taxes

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

Crystal Lake, 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$1,189

To$910

↓ $279

1 Bed

From$1,275

To$950

↓ $325

2 Bed

From$1,433

To$1,160

↓ $273

3 Bed

From$1,843

To$1,490

↓ $353

Crystal Lake, ILZIP-level data

1BR range: $1,610–$1,780/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.

$7,502

Monthly in Crystal Lake, IL

$6,705

Monthly in St. Louis, MO

$796

Difference

Home Values

Crystal Lake

St. Louis

$408K

Median Value

$145K

↑ +5%

YoY Change

↓ -0.8%

↑ +46.8%

5-Year Change

↑ +10.9%

$349K - $466K

Price Range

$38K - $302K

Homes in St. Louis are 65% less expensive than Crystal Lake

Calculate payment - Crystal Lake 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

Crystal Lake, 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

Crystal Lake, 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.