Salary Needed to Live in Beaumont as a Retiree
A retired individual (65+) needs approximately $46,989/year to live comfortably in Beaumont, TX, including 5% savings.
Direct Answer
A retiree needs about $46,989/year to live comfortably in Beaumont, TX. The bare-minimum salary is $43,856/year, but the comfortable figure includes a 5% savings target and a monthly after-tax budget of $2,896.
The minimum scenario leaves about $2,741/mo after tax and no planned savings. The comfortable scenario uses $3,916/mo gross pay to cover expenses, taxes, and a savings buffer.
Hybrid salary estimateBLS, HUD, ACS inputsLast verified May 2026
Comfortable Salary
$46,989
with 5% savings
Bare Minimum
$43,856
$3,655/mo gross, no savings buffer
Monthly Expenses
$2,741
26% below national avg
Detailed Monthly Budget for a Retiree in Beaumont
| Expense | Beaumont | Nat'l Avg | Diff |
|---|---|---|---|
| 1-2BR Senior-Friendly Rent | $841 | $1,448 | -42% |
| Groceries | $221 | $189 | +17% |
| Utilities | $148 | $183 | -19% |
| Transportation | $125 | $211 | -41% |
| Car Insurance | $137 | $223 | -39% |
| Health Insurance | $638 | $672 | -5% |
| Medicare Supplement | $164 | $200 | -18% |
| Prescription Drugs | $123 | $150 | -18% |
| Internet + Phone | $98 | $120 | -18% |
| Recreation & Social | $164 | $200 | -18% |
| Home Maintenance | $82 | $100 | -18% |
| Total Monthly | $2,741 | $3,696 | -26% |
How We Calculated the Salary
Monthly expenses:$2,741
Target savings (5%):$155/mo
Monthly after-tax needed:$2,896
Effective tax rate:25%
Gross annual salary needed:$46,989
What Drives the Salary Number?
Housing
$841
1-2BR Senior-Friendly rent is 31% of this monthly budget.
Taxes
25%
Estimated federal plus TX state tax reserve used to convert take-home needs into gross salary.
Savings target
5%
$155/mo is reserved for savings so the salary is not just break-even.
Local index
82/100
Beaumont is below the national baseline; the model adjusts baseline spending by local rent and cost data.
Compare Salary Needed in Nearby south Cities
Salary Planning Checklist
- Keep 1-2br senior-friendly housing near $841/mo or adjust the salary target upward.
- Budget $631/mo for persona-specific costs such as Medicare Supplement and Prescription Drugs.
- Use $43,856/year as the survival floor and $46,989/year as the healthier negotiation target.
Other Household Types in Beaumont
Related Pages
FAQ
What salary does a retiree need in Beaumont?
A retiree needs approximately $46,989/year ($3,916/month gross) to live comfortably in Beaumont with a 5% savings rate.
How much is rent for a retiree in Beaumont?
A 1-2br senior-friendly in Beaumont costs approximately $841/month, which is the largest single expense at 31% of the total budget.
Is Beaumont affordable for a retiree?
Yes, Beaumont is 26% more affordable than the national average for a retiree.