As others have said. Purchasing ammo online is only cost effective when you purchasing a large quantity at once. If you only need a few boxes of ammo, your better off buying locally.
If you want bulk, especially defensive ammo, nothing beats buying on line unless a local brick and mortar is going to match online prices. (Yea, that's gonna happen.
Most of the time, the online ammo stores have a much better selection and are restocked faster than the local guy. I don't make bad money but I couldn't afford to shoot anywhere near as much as I do if I didn't reload and purchase ammo/reloading components online.
Prices locally would be too cost prohibitive.