Lena, IL vs Monroe City, MO: Cost of Living

Which city costs less?

Monroe City, MO has a modeled overall cost index 19.8% lower than Lena, IL.

Lena, IL · modeled 2BR rent: $920 / month
Monroe City, MO · modeled 2BR rent: $890 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Lena, IL and Monroe City, MO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Lena, IL

Numbers update automatically as you type

Estimated savings: $1,440/month in Monroe City, MO

$150,000 in your current city has a modeled equivalent of $132,725 in Monroe City, MO

Regional cost estimates: Lena, IL uses Madison, WI. Monroe City, MO uses St. Louis, MO. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 19.8%

Less expensive

Monthly Impact

$1,440

Savings

Annual Impact

$17.3K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Lena, IL

Population:3K

Cost Index:

92.2

100 = national average

Typical Home:$197K

Monroe City, MO

Population:3K

Cost Index:

73.9

100 = national average

Typical Home:$187K

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Lena, IL

The Prairie State

Population

State Tax

Yes

Located in Illinois, this city has a population of 3K residents.

Monroe City, MO

The Show-Me State

Population

State Tax

Yes

Located in Missouri, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Lena, IL vs Monroe City, MO

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Lena, IL	Monroe City, MO	Difference	Change
Housing	$2,321/mo	$1,526/mo	↓ $795less	34.3%
Other	$1,677/mo	$1,456/mo	↓ $221less	13.2%
Transportation	$1,317/mo	$1,102/mo	↓ $216less	16.4%
Healthcare	$718/mo	$518/mo	↓ $200less	27.9%
Groceries	$959/mo	$933/mo	↓ $25.42less	2.7%
All Utilities	$508/mo	$526/mo	↑ $18.59more	3.7%

Housing

↓ 34.3%

Lena, IL

$2,321

Monroe City, MO

$1,526

Difference

$795

less

Other

↓ 13.2%

Lena, IL

$1,677

Monroe City, MO

$1,456

Difference

$221

less

Transportation

↓ 16.4%

Lena, IL

$1,317

Monroe City, MO

$1,102

Difference

$216

less

Healthcare

↓ 27.9%

Lena, IL

$718

Monroe City, MO

$518

Difference

$200

less

Groceries

↓ 2.7%

Lena, IL

$959

Monroe City, MO

$933

Difference

$25.42

less

All Utilities

↑ 3.7%

Lena, IL

$508

Monroe City, MO

$526

Difference

$18.59

🏠Rent Comparison

Studio

From$690

To$660

↓ $30.00

1 Bed

From$700

To$680

↓ $20.00

2 Bed

From$920

To$890

↓ $30.00

3 Bed

From$1,120

To$1,100

↓ $20.00

Lena, ILZIP-level data

1BR range: $700–$700/mo

Monroe City, MOZIP-level data

1BR range: $680–$680/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Lena, IL

$6,060

Monthly in Monroe City, MO

$1,440

Difference

Home Values

Lena

Monroe City

$197K

Median Value

$187K

↑ +10.8%

YoY Change

↑ +11.7%

↑ +60.3%

5-Year Change

↑ +49.3%

Homes in Monroe City are 5% less expensive than Lena

Calculate payment - Lena Calculate payment - Monroe City

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

Lena, 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

Monroe City, 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

Lena, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Monroe City, 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.

Environment

Lena

Monroe City

42 Good

Air Quality

54 Moderate

72.1%

Good Air Days

38%

94 Moderate

Climate Risk

99 High

🌊🌪💨

Top Hazards

🌊🌡🫨

▲+3.4°F

2050 Outlook

▲+3.0°F

10 days

Heat Days >95°F

39 days

▲+3.4°F

2050 Outlook

▲+3.0°F

10 days

Heat Days >95°F

39 days

Before moving from Lena, IL to Monroe City, MO

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Monroe City, MO for the same bedroom count and included utilities as your home in Lena, IL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Lena to Monroe City moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Monroe City, MO by cost, housing, population and region.

Frequently Asked Questions: Lena, IL vs Monroe City, MO

How do the cost estimates for Lena, IL and Monroe City, MO compare?

Monroe City, MO has a modeled overall cost index 19.8% lower than Lena, IL. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Lena, IL, the model estimates $132,725 in Monroe City, MO. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Lena, IL and Monroe City, MO?

The modeled two-bedroom rents are $920/month in Lena, IL and $890/month in Monroe City, MO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Illinois and Missouri on TaxTakeHome.com