Depends on the caliber, as to reloading. I'm getting my 9mm makarov at between $9-$10 a box of 50 of steel case. The cost of reloading; just the bullets; is close to $5 for 50. Then throw in primers, powder, and the initial cost for brass and dies; and for me: Reloading the 9mm makarov isn't really worth it. Not to save $1 a box. OVER TIME. Same with my .223. Even with tax or shipping; depending; I've been able to get .223 ammo (Steel case) for basically $5 a box of 20. Reloading is $2.50 per 20 for bullets; add in powder, primers, and the initial cost of brass and dies, and I MIGHT save a dollar a box of 20. Not really worth my time.
That's not to say that I don't have any reloading. I reload my hunting rounds. I also keep an eye out for good deals on dies. I picked up some very good 30-06 dies for my M1-garand for $10. I don't reload, but I have the dies in case there is no more ammo. Same with having 9mm makarov dies, 45acp, 30-30, etc... But I only buy these at a garage sale or other similar good deal. I also have a couple pounds of IMR-4895; brick of large rifle; and brick of large rifle magnum primers. I won't use ANY of this for reloading. It's almost cheaper to buy the ammo than to reload it. For me. But if the time ever comes that buying ammo has stopped or become difficult; I will go on a massive reload binge and reload until there are no more primers, powder, or bullets. That ammo will then become my survival stock pile. But for day to day plinking; most of my ammo is cheaper than reloading. Just gotta know where to look.