Paycheck calculator › After taxes and rent › St. Louis › $100,000
$100,000 after taxes and rent in St. Louis (2026)
A $100,000 salary in St. Louis takes home $6,209 a month after federal tax, FICA, Missouri state tax and St. Louis city tax. A typical one-bedroom costs $995 (HUD FY2026), leaving $5,214 a month for everything else — rent is 16.0% of take-home, within the 30% guideline. A studio leaves $5,254; a two-bedroom $4,991.
Your pay
Take-home pay
$6,209
take-home pay a month
from a gross of $8,333
Effective tax rate 25.5%Marginal rate 41.5%Total taxes $25,490
Federal tax 13.2%FICA 7.6%State 3.7%Local 1.0%Take-home 74.5%
I want to take home
$
Net pay on my pay stub
$
| Line | A | B | Difference |
|---|
| Line | Monthly | Yearly |
|---|---|---|
| Gross pay | $8,333 | $100,000 |
| Federal income tax | −$1,098 | −$13,170 |
| Taxable income $83,900 = wages $100,000 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%). | ||
| Social Security (6.2%) | −$517 | −$6,200 |
| 6.2% of $100,000. | ||
| Medicare (1.45%) | −$121 | −$1,450 |
| 1.45% of $100,000. | ||
| Missouri state income tax | −$306 | −$3,670 |
| Taxable $81,925 = wages $100,000 − deduction $16,100. Brackets 0%/2%/2.5%/3%/3.5%/4%/4.5%/4.7%. | ||
| St. Louis (1%) | −$83 | −$1,000 |
| 1% of wages. | ||
| Take-home pay | $6,209 | $74,510 |
take-home pay a month$6,209
$100,000 in St. Louis: monthly budget after rent
| Unit | HUD FMR | Left after rent / mo | Rent share of take-home |
|---|---|---|---|
| Studio | $955 | $5,254 | 15.4% |
| One bedroom | $995 | $5,214 | 16.0% |
| Two bedrooms | $1,218 | $4,991 | 19.6% |
| Three bedrooms | $1,568 | $4,641 | 25.3% |
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.