Is St. Louis, MO cheaper than Round Lake Beach, IL?

Based on cost of living data, St. Louis, MO is 8.2% cheaper than Round Lake Beach, IL. This translates to saving $614 per month.

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

If you earn $150,000 in Round Lake Beach, IL, you'd need approximately $142,631.99 in St. Louis, MO to maintain the same standard of living.

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

Housing in St. Louis, MO is 22.7% cheaper than in Round Lake Beach, IL. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $1,304/month in Round Lake Beach, IL.

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

Moving from Round Lake Beach, IL to St. Louis, MO could save you approximately $614 per month, or $7368 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

📍 Round Lake Beach, IL — COL adjusted from Chicago, IL area + state data

Current salary in Round Lake Beach, IL

Numbers update automatically as you type

You'd save $614/month moving to St. Louis, MO

$150.0K in your current city equals $142.6K in St. Louis, MO

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

Overall Cost

↓ 8.2%

Less expensive

Monthly Impact

$614

Savings

Annual Impact

$7.4K

Per year

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

Round Lake Beach, IL

Population:27K

Cost Index:100

Median Home:$305K

St. Louis, MO

Population:302K

Cost Index:92

Median Home:$145K

Round Lake Beach, IL

The Prairie State

27K

Population

State Tax

Yes

Located in Illinois, this city has a population of 27K 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: Round Lake Beach, IL vs St. Louis, MO

Category	Round Lake Beach, IL	St. Louis, MO	Difference	Change
🏠Housing	$2,419/mo	$1,871/mo	↓ $548less	22.7%
🚗Transportation	$1,473/mo	$1,216/mo	↓ $257less	17.5%
📦Other	$1,541/mo	$1,607/mo	↑ $66.29more	4.3%
⚡All Utilities	$486/mo	$535/mo	↑ $49.48more	10.2%
🏥Healthcare	$557/mo	$527/mo	↓ $30.24less	5.4%
🛒Groceries	$964/mo	$949/mo	↓ $14.33less	1.5%

🏠Housing

↓ 22.7%

Round Lake Beach, IL

$2,419

St. Louis, MO

$1,871

Difference

$548

less

🚗Transportation

↓ 17.5%

Round Lake Beach, IL

$1,473

St. Louis, MO

$1,216

Difference

$257

less

📦Other

↑ 4.3%

Round Lake Beach, IL

$1,541

St. Louis, MO

$1,607

Difference

$66.29

⚡All Utilities

↑ 10.2%

Round Lake Beach, IL

$486

St. Louis, MO

$535

Difference

$49.48

🏥Healthcare

↓ 5.4%

Round Lake Beach, IL

$557

St. Louis, MO

$527

Difference

$30.24

less

🛒Groceries

↓ 1.5%

Round Lake Beach, IL

$964

St. Louis, MO

$949

Difference

$14.33

less

🏛️ Local Income Taxes

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

Round Lake Beach, 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$894

To$910

↑ $16.00

1 Bed

From$1,080

To$950

↓ $130

2 Bed

From$1,304

To$1,160

↓ $144

3 Bed

From$1,788

To$1,490

↓ $298

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.

$7,439

Monthly in Round Lake Beach, IL

$6,705

Monthly in St. Louis, MO

$734

Difference

Home Values

Round Lake Beach

St. Louis

Median Value

$145K

YoY Change

↓ -0.8%

5-Year Change

↑ +10.9%

Price Range

$38K - $302K

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

Round Lake Beach, 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

Round Lake Beach, 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.