Paycheck calculator › After taxes and rent › St. Louis

Take-home pay after taxes and rent in St. Louis (2026)

A typical one-bedroom in St. Louis rents for $995 a month (HUD FY2026 Fair Market Rent). On a $75,000 salary the take-home is $4,859 a month, which leaves $3,864 after rent — rent takes 20.5% of take-home (within the 30% guideline). To keep a one-bedroom at 30% of take-home you need to earn about $49,081 a year in St. Louis; a two-bedroom ($1,218) needs $61,040. The calculator is in reverse mode with that target.

Your pay

Gross pay

State

Filing status

City / local tax

401(k) / 403(b) %

Bonus (one-off)

Pre-tax deductions & HSA

Health premiums / yr

HSA / yr

Other pre-tax / yr

Custom local rate %

Age 50+ (401k catch-up) Family HSA limit

401(k) lowers income tax but not Social Security/Medicare. Health premiums and HSA through a cafeteria plan lower both.

W-4 details (2020 or later form)

Step 2: two jobs / spouse works

Step 3: dependents credit $

Step 4a: other income / yr

Step 4b: extra deductions / yr

Step 4c: extra withholding / check

Paychecks per year (for 4c)

Tax tables

Leave blank for standard withholding. Dependents: $2,000 per qualifying child, $500 per other dependent.

Take-home pay

$3,317

take-home pay a month

from a gross of $4,090

Effective tax rate 18.9%Marginal rate 27.0%Total taxes $9,281

Federal tax 7.6%FICA 7.6%State 2.7%Local 1.0%Take-home 81.1%

Line	Monthly	Yearly
Gross pay	$4,090	$49,081
Federal income tax	−$309	−$3,710
Taxable income $32,981 = wages $49,081 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%).
Social Security (6.2%)	−$254	−$3,043
6.2% of $49,081.
Medicare (1.45%)	−$59	−$712
1.45% of $49,081.
Missouri state income tax	−$110	−$1,326
Taxable $32,054 = wages $49,081 − deduction $16,100. Brackets 0%/2%/2.5%/3%/3.5%/4%/4.5%/4.7%.
St. Louis (1%)	−$41	−$491
1% of wages.
Take-home pay	$3,317	$39,800

What is left after rent in St. Louis, by salary

Salary	Take-home / mo	After studio ($955)	After 1-bed ($995)	After 2-bed ($1,218)	1-bed share
$40,000	$2,751	$1,796	$1,756	$1,533	36.2%
$50,000	$3,374	$2,419	$2,379	$2,156	29.5%
$60,000	$3,995	$3,040	$3,000	$2,777	24.9%
$70,000	$4,589	$3,634	$3,594	$3,371	21.7%
$75,000	$4,859	$3,904	$3,864	$3,641	20.5%
$80,000	$5,129	$4,174	$4,134	$3,911	19.4%
$90,000	$5,669	$4,714	$4,674	$4,451	17.6%
$100,000	$6,209	$5,254	$5,214	$4,991	16.0%
$120,000	$7,282	$6,327	$6,287	$6,064	13.7%
$150,000	$8,848	$7,893	$7,853	$7,630	11.2%

Rents are HUD Fair Market Rents for FY2026 (the 40th-percentile gross rent, utilities included, for the metro area — a modest, typical unit, not a luxury one). Take-home is for a single filer with no pre-tax deductions, 2026 tables, city tax where it applies. The 30% rule compares rent with take-home pay, not gross.

Salary needed to afford rent in St. Louis

Unit	HUD FMR / mo	Take-home needed / mo	Salary needed / yr	Hourly (40 h)
Studio	$955	$3,183	—	—
One bedroom	$995	$3,317	$49,081	$23.60
Two bedrooms	$1,218	$4,060	$61,040	$29.35
Three bedrooms	$1,568	$5,227	—	—

St. Louis paycheck calculator · All cities after rent

Frequently asked

How much do I need to make to live in St. Louis?

About $49,081 a year for a one-bedroom at 30% of take-home ($61,040 for a two-bedroom), before other costs. HUD's FY2026 Fair Market Rent for a one-bedroom is $995.

Is $75,000 enough to live in St. Louis?

After taxes it is $4,859 a month; a typical one-bedroom leaves $3,864 for everything else, so rent is 20.5% of take-home.

Where do the rents come from?

HUD Fair Market Rents, FY2026: the 40th-percentile gross rent (with utilities) for the metro area, published yearly and refreshed here automatically every October.