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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $828/month moving to St. Louis, MO

$150.0K in your current city equals $140.1K in St. Louis, MO

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area
Overall Cost
11.0%
Less expensive
Monthly Impact
$828
Savings
Annual Impact
$9.9K
Per year

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

Northbrook, IL

Population:34K
Cost Index:
100
100 = national average
Median Home:$660K

St. Louis, MO

Population:302K
Cost Index:
89
(11% below avg)
Median Home:$145K

Northbrook, IL

The Prairie State

34K
Population
State Tax
Yes

Located in Illinois, this city has a population of 34K 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: Northbrook, IL vs St. Louis, MO

Housing
25.1%
Northbrook, IL
$2,497
St. Louis, MO
$1,871
Difference
$626
less
Transportation
20.0%
Northbrook, IL
$1,520
St. Louis, MO
$1,216
Difference
$304
less
All Utilities
8.5%
Northbrook, IL
$494
St. Louis, MO
$535
Difference
$41.77
more
Healthcare
6.9%
Northbrook, IL
$566
St. Louis, MO
$527
Difference
$39.08
less
Groceries
3.0%
Northbrook, IL
$979
St. Louis, MO
$949
Difference
$29.63
less
Other
1.1%
Northbrook, IL
$1,590
St. Louis, MO
$1,607
Difference
$16.99
more

🏛️ Local Income Taxes

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

Northbrook, 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$1,515
To$910
$605
1 Bed
From$1,615
To$950
$665
2 Bed
From$1,822
To$1,160
$662
3 Bed
From$2,345
To$1,490
$855
Northbrook, ILZIP-level data

1BR range: $2,100$2,100/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.

$7,645
Monthly in Northbrook, IL
$6,705
Monthly in St. Louis, MO
$940
Difference

Home Values

Northbrook
St. Louis
$660K
Median Value
$145K
↑ +7.3%
YoY Change
↓ -0.8%
↑ +39.2%
5-Year Change
↑ +10.9%
$660K
Price Range
$38K - $302K

Homes in St. Louis are 78% less expensive than Northbrook

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

Northbrook, 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

Northbrook, 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.

Environment

Northbrook
St. Louis
54 Moderate
Air Quality
54 Moderate
35.8%
Good Air Days
38%
100 Very High
Climate Risk
99 High
🌊🌡🫨
Top Hazards
🌊🌡🫨
+3.2°F
2050 Outlook
+3.0°F
18 days
Heat Days >95°F
39 days
+3.2°F
2050 Outlook
+3.0°F
18 days
Heat Days >95°F
39 days

What to Consider When Moving from Northbrook, IL to St. Louis, MO

Relocating from Northbrook, IL to St. Louis, MO involves more than just comparing rent prices. While the overall cost of living is about 11% lower in St. Louis, MO, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in St. Louis, MO is 25% cheaper than in Northbrook, IL. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in St. Louis, MO pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in St. Louis, MO to match your current standard of living in Northbrook, IL.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit St. Louis, MO for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Northbrook, IL vs St. Louis, MO

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

Yes, St. Louis, MO is about 11.0% cheaper than Northbrook, IL. You could save approximately $828/month on a $150,000 salary. Housing costs are 25% lower in St. Louis, MO.

What salary do I need in St. Louis, MO to match my lifestyle in Northbrook, IL?

If you currently earn $150,000 in Northbrook, IL, you would need approximately $140,070 in St. Louis, MO to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Northbrook, IL and St. Louis, MO?

A two-bedroom apartment averages $1,822/month in Northbrook, IL compared to $1,160/month in St. Louis, MO. One-bedroom apartments are $1,615/month in Northbrook, IL vs $950/month in St. Louis, MO. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Northbrook, IL or St. Louis, MO?

Groceries are about 3% cheaper in St. Louis, MO than in Northbrook, IL, saving a typical household roughly $29.63/month on food.

What is the best time to move from Northbrook, IL to St. Louis, MO?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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

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