Paycheck calculator › After taxes and rent › St. Louis › $90,000
$90,000 after taxes and rent in St. Louis (2026)
A $90,000 salary in St. Louis takes home $5,669 a month after federal tax, FICA, Missouri state tax and St. Louis city tax. A typical one-bedroom costs $995 (HUD FY2026), leaving $4,674 a month for everything else — rent is 17.6% of take-home, within the 30% guideline. A studio leaves $4,714; a two-bedroom $4,451.
Your pay
Take-home pay
$5,669
take-home pay a month
from a gross of $7,500
Effective tax rate 24.4%Marginal rate 35.2%Total taxes $21,970
Federal tax 12.2%FICA 7.6%State 3.6%Local 1.0%Take-home 75.6%
I want to take home
$
Net pay on my pay stub
$
| Line | A | B | Difference |
|---|
| Line | Monthly | Yearly |
|---|---|---|
| Gross pay | $7,500 | $90,000 |
| Federal income tax | −$914 | −$10,970 |
| Taxable income $73,900 = wages $90,000 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%). | ||
| Social Security (6.2%) | −$465 | −$5,580 |
| 6.2% of $90,000. | ||
| Medicare (1.45%) | −$109 | −$1,305 |
| 1.45% of $90,000. | ||
| Missouri state income tax | −$268 | −$3,215 |
| Taxable $72,255 = wages $90,000 − deduction $16,100. Brackets 0%/2%/2.5%/3%/3.5%/4%/4.5%/4.7%. | ||
| St. Louis (1%) | −$75 | −$900 |
| 1% of wages. | ||
| Take-home pay | $5,669 | $68,030 |
take-home pay a month$5,669
$90,000 in St. Louis: monthly budget after rent
| Unit | HUD FMR | Left after rent / mo | Rent share of take-home |
|---|---|---|---|
| Studio | $955 | $4,714 | 16.8% |
| One bedroom | $995 | $4,674 | 17.6% |
| Two bedrooms | $1,218 | $4,451 | 21.5% |
| Three bedrooms | $1,568 | $4,101 | 27.7% |
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.