Paycheck calculator › After taxes and rent › St. Louis › $40,000
$40,000 after taxes and rent in St. Louis (2026)
A $40,000 salary in St. Louis takes home $2,751 a month after federal tax, FICA, Missouri state tax and St. Louis city tax. A typical one-bedroom costs $995 (HUD FY2026), leaving $1,756 a month for everything else — rent is 36.2% of take-home, above the 30% guideline. A studio leaves $1,796; a two-bedroom $1,533.
Your pay
Take-home pay
$2,751
take-home pay a month
from a gross of $3,333
Effective tax rate 17.5%Marginal rate 25.2%Total taxes $6,992
Federal tax 6.6%FICA 7.6%State 2.3%Local 1.0%Take-home 82.5%
I want to take home
$
Net pay on my pay stub
$
| Line | A | B | Difference |
|---|
| Line | Monthly | Yearly |
|---|---|---|
| Gross pay | $3,333 | $40,000 |
| Federal income tax | −$218 | −$2,620 |
| Taxable income $23,900 = wages $40,000 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%). | ||
| Social Security (6.2%) | −$207 | −$2,480 |
| 6.2% of $40,000. | ||
| Medicare (1.45%) | −$48 | −$580 |
| 1.45% of $40,000. | ||
| Missouri state income tax | −$76 | −$912 |
| Taxable $23,245 = wages $40,000 − deduction $16,100. Brackets 0%/2%/2.5%/3%/3.5%/4%/4.5%/4.7%. | ||
| St. Louis (1%) | −$33 | −$400 |
| 1% of wages. | ||
| Take-home pay | $2,751 | $33,008 |
take-home pay a month$2,751
$40,000 in St. Louis: monthly budget after rent
| Unit | HUD FMR | Left after rent / mo | Rent share of take-home |
|---|---|---|---|
| Studio | $955 | $1,796 | 34.7% |
| One bedroom | $995 | $1,756 | 36.2% |
| Two bedrooms | $1,218 | $1,533 | 44.3% |
| Three bedrooms | $1,568 | $1,183 | 57.0% |
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.