Salary Needed to Live in St. Joseph as a Single
A single adult living independently needs approximately $15,713/year to live comfortably in St. Joseph, MO — including 10% savings.
Comfortable Salary
$15,713
with 10% savings
Bare Minimum
$13,589
no savings buffer
Monthly Expenses
$838
22% below national avg
Detailed Monthly Budget for a Single in St. Joseph
| Expense | St. Joseph | Nat'l Avg | Diff |
|---|---|---|---|
| 🏠 Studio/1BR Rent | $85 | $113 | -25% |
| 🛒 Groceries | $19 | $17 | +12% |
| ⚡ Utilities | $9 | $14 | -36% |
| 🚗 Transportation | $27 | $26 | +4% |
| 🛡️ Car Insurance | $147 | $211 | -30% |
| 🏥 Health Insurance | $47 | $53 | -11% |
| Internet | $51 | $65 | -22% |
| Phone | $66 | $85 | -22% |
| Dining & Social | $234 | $300 | -22% |
| Entertainment | $94 | $120 | -22% |
| Personal Care | $59 | $75 | -21% |
| Total Monthly | $838 | $1,079 | -22% |
How We Calculated the Salary
Monthly expenses:$838
Target savings (10%):$108/mo
Monthly after-tax needed:$946
Effective tax rate:26%
Gross annual salary needed:$15,713
Other Household Types in St. Joseph
Related Pages
FAQ
What salary does a single person need in St. Joseph?
A single person needs approximately $15,713/year ($1,309/month gross) to live comfortably in St. Joseph with a 10% savings rate.
How much is rent for a single person in St. Joseph?
A studio/1br in St. Joseph costs approximately $85/month, which is the largest single expense at 10% of the total budget.
Is St. Joseph affordable for a single person?
Yes, St. Joseph is 22% more affordable than the national average for a single person.