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Cost of Living Comparison 2026

๐Ÿ“ Normal, IL โ€” ZIP-level rent data ยท COL adjusted from Chicago, IL area

$

Numbers update automatically as you type

You'd save $60.12/month moving to St. Louis, MO

$150.0K in your current city equals $149.3K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†“ 0.8%
Less expensive
Monthly Impact
$60.12
Savings
Annual Impact
$721
Per year

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

Normal, IL

Population:53K
Cost Index:100
Median Home:$254K

St. Louis, MO

Population:302K
Cost Index:99
Median Home:$145K

Normal, IL

The Prairie State

53K
Population
State Tax
Yes

Located in Illinois, this city has a population of 53K 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: Normal, IL vs St. Louis, MO

๐Ÿ Housing
โ†“ 16.4%
Normal, IL
$2,239
St. Louis, MO
$1,871
Difference
$368
less
๐Ÿ“ฆOther
โ†‘ 12.7%
Normal, IL
$1,426
St. Louis, MO
$1,607
Difference
$181
more
๐Ÿš—Transportation
โ†“ 10.8%
Normal, IL
$1,363
St. Louis, MO
$1,216
Difference
$147
less
โšกAll Utilities
โ†‘ 14.5%
Normal, IL
$468
St. Louis, MO
$535
Difference
$67.92
more
๐Ÿ›’Groceries
โ†‘ 2.4%
Normal, IL
$927
St. Louis, MO
$949
Difference
$22.23
more
๐ŸฅHealthcare
โ†“ 1.7%
Normal, IL
$536
St. Louis, MO
$527
Difference
$9.11
less

๐Ÿ›๏ธ Local Income Taxes

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

Normal, IL has no local income tax.

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

๐Ÿ Rent Comparison

Studio
From$607
To$910
โ†‘ $303
1 Bed
From$648
To$950
โ†‘ $302
2 Bed
From$848
To$1,160
โ†‘ $312
3 Bed
From$1,117
To$1,490
โ†‘ $373
Normal, ILZIP-level data

1BR range: $940โ€“$940/mo

St. Louis, MOZIP-level data

1BR range: $800โ€“$1,480/mo

๐Ÿ’ก 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.

$6,959
Monthly in Normal, IL
$6,705
Monthly in St. Louis, MO
$253
Difference

Home Values

Normal
St. Louis
$254K
Median Value
$145K
โ†‘ +2.5%
YoY Change
โ†“ -0.8%
โ†‘ +34%
5-Year Change
โ†‘ +10.9%
$254K
Price Range
$38K - $302K

Homes in St. Louis are 43% less expensive than Normal

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†“ $504
More taxes
Monthly Difference
$42.00
Less take-home
Effective Rate Diff
0.3%
Rate difference

Normal, 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

Normal, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

๐Ÿ’ก 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

Normal
St. Louis
54 Moderate
Air Quality
54 Moderate
35.8%
Good Air Days
38%
100 Very High
Climate Risk
99 High
๐ŸŒŠ๐ŸŒก๐Ÿซจ
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
18 days
Heat Days >95ยฐF
39 days
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
18 days
Heat Days >95ยฐF
39 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Illinois and Missouri on TaxTakeHome.com

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