Salary Needed to Live in St. Joseph as a Couple
A couple sharing expenses without children needs approximately $21,813/year to live comfortably in St. Joseph, MO — including 12% savings.
Comfortable Salary
$21,813
with 12% savings
Bare Minimum
$18,276
no savings buffer
Monthly Expenses
$1,127
22% below national avg
Detailed Monthly Budget for a Couple in St. Joseph
| Expense | St. Joseph | Nat'l Avg | Diff |
|---|---|---|---|
| 🏠 1-2BR Apartment Rent | $103 | $137 | -25% |
| 🛒 Groceries | $30 | $27 | +11% |
| ⚡ Utilities | $12 | $19 | -37% |
| 🚗 Transportation | $36 | $35 | +3% |
| 🛡️ Car Insurance | $147 | $211 | -30% |
| 🏥 Health Insurance | $47 | $53 | -11% |
| Internet | $51 | $65 | -22% |
| Phone (×2) | $109 | $140 | -22% |
| Dining & Social | $351 | $450 | -22% |
| Entertainment | $140 | $180 | -22% |
| Personal Care (×2) | $101 | $130 | -22% |
| Total Monthly | $1,127 | $1,447 | -22% |
How We Calculated the Salary
Monthly expenses:$1,127
Target savings (12%):$183/mo
Monthly after-tax needed:$1,310
Effective tax rate:26%
Gross annual salary needed:$21,813
Other Household Types in St. Joseph
Related Pages
FAQ
What salary does a couple (no kids) need in St. Joseph?
A couple (no kids) needs approximately $21,813/year ($1,818/month gross) to live comfortably in St. Joseph with a 12% savings rate.
How much is rent for a couple (no kids) in St. Joseph?
A 1-2br apartment in St. Joseph costs approximately $103/month, which is the largest single expense at 9% of the total budget.
Is St. Joseph affordable for a couple (no kids)?
Yes, St. Joseph is 22% more affordable than the national average for a couple (no kids).