Is Dallas, TX cheaper than St. Charles, IL?

Based on cost of living data, Dallas, TX is 4.5% more expensive than St. Charles, IL. This translates to spending an extra $340 per month.

What salary do I need in Dallas, TX to live like I do in St. Charles, IL?

If you earn $150,000 in St. Charles, IL, you'd need approximately $154,080.018 in Dallas, TX to maintain the same standard of living.

How does housing cost compare between St. Charles, IL and Dallas, TX?

Housing in Dallas, TX is 3.1% cheaper than in St. Charles, IL. For a two-bedroom apartment, rent is $1,765/month in Dallas, TX compared to $1,839/month in St. Charles, IL.

How much can I save per month by moving from St. Charles, IL to Dallas, TX?

Living in Dallas, TX costs approximately $340 more per month than St. Charles, IL, or $4080 more per year, based on a $150,000 salary.

St. Charles, IL vs Dallas, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 St. Charles, IL — ZIP-level rent data · COL adjusted from Chicago, IL area

Current salary in St. Charles, IL

Numbers update automatically as you type

You'd spend $340/month more in Dallas, TX

$150.0K in your current city equals $154.1K in Dallas, TX

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area

Overall Cost

↑ 4.5%

More expensive

Monthly Impact

$340

Extra cost

Annual Impact

$4.1K

Per year

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

St. Charles, IL

Population:33K

Cost Index:100

Median Home:$509K

Dallas, TX

Population:1304K

Cost Index:105

Median Home:$292K

St. Charles, IL

The Prairie State

33K

Population

State Tax

Yes

Located in Illinois, this city has a population of 33K residents.

Dallas, TX

The Lone Star State

1.3M

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Major business center
•No state income tax
•Big Tex home

Major Industries

TechnologyFinanceEnergyTransportation

Cost Breakdown by Category

Annual spending: St. Charles, IL vs Dallas, TX

Category	St. Charles, IL	Dallas, TX	Difference	Change
🚗Transportation	$1,502/mo	$1,298/mo	↓ $204less	13.6%
📦Other	$1,571/mo	$1,774/mo	↑ $203more	12.9%
🏠Housing	$2,467/mo	$2,391/mo	↓ $75.93less	3.1%
⚡All Utilities	$491/mo	$563/mo	↑ $72.05more	14.7%
🏥Healthcare	$562/mo	$632/mo	↑ $69.64more	12.4%
🛒Groceries	$973/mo	$979/mo	↑ $6.22more	0.6%

🚗Transportation

↓ 13.6%

St. Charles, IL

$1,502

Dallas, TX

$1,298

Difference

$204

less

📦Other

↑ 12.9%

St. Charles, IL

$1,571

Dallas, TX

$1,774

Difference

$203

🏠Housing

↓ 3.1%

St. Charles, IL

$2,467

Dallas, TX

$2,391

Difference

$75.93

less

⚡All Utilities

↑ 14.7%

St. Charles, IL

$491

Dallas, TX

$563

Difference

$72.05

🏥Healthcare

↑ 12.4%

St. Charles, IL

$562

Dallas, TX

$632

Difference

$69.64

🛒Groceries

↑ 0.6%

St. Charles, IL

$973

Dallas, TX

$979

Difference

$6.22

🏠Rent Comparison

Studio

From$1,527

To$1,450

↓ $77.00

1 Bed

From$1,633

To$1,505

↓ $128

2 Bed

From$1,839

To$1,765

↓ $74.00

3 Bed

From$2,367

To$2,220

↓ $147

St. Charles, ILZIP-level data

1BR range: $1,930–$2,370/mo

Dallas, TXZIP-level data

1BR range: $1,040–$2,470/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.

$7,566

Monthly in St. Charles, IL

$7,637

Monthly in Dallas, TX

$71.35

Difference

Home Values

St. Charles

Dallas

$509K

Median Value

$292K

↑ +4.8%

YoY Change

↓ -3.1%

↑ +45.8%

5-Year Change

↑ +27.1%

$411K - $608K

Price Range

$138K - $2.01M

Homes in Dallas are 43% less expensive than St. Charles

Calculate payment - St. Charles Calculate payment - Dallas

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.4K

Per year

Monthly Difference

$619

More take-home

Effective Rate Diff

4.9%

Rate difference

St. Charles, 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

Dallas, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

St. Charles, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Dallas, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 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.