I started reloading pistol ammo about 9 months ago and I've been keeping track of costs. The problem is that I always have money invested in materials that are not yet viable rounds. Including all of that, on average, my rounds still cost less than store bought. 9 mm is store price or a little higher, .38 is maybe 10% lower than store, and 45 acp is HALF of store bought. Of course, as prices come down that will all change. What I think is more significant is that I spend about the same or less for ammo, but I have the ammo I want when I want it.
The main reason I started reloading was that I couldn't order on line and I'd go on a 150 mile buying trip and come home with 2 boxes of 38 Sp for my wife to shoot. No good. Now we have the caliber we want when we want it, and generally, plenty of it. AND I'm saving a little money too. Primers are still hard to buy and I ended up spending too much on them, BUT I have them. I scrounge brass and load lead bullets exclusively, but it is worth it. If ammo prices change where 45 is $12 a box and 9 mil is $6 a box again it won't be worth it until material prices come down.
BUT...availability can't be beat.