Salary Needed to Live in St. Louis as a Family
A family of four (2 adults, 2 children) needs approximately $50,908/year to live comfortably in St. Louis, MO — including 15% savings.
Comfortable Salary
$50,908
with 15% savings
Bare Minimum
$40,589
no savings buffer
Monthly Expenses
$2,503
14% below national avg
Detailed Monthly Budget for a Family in St. Louis
| Expense | St. Louis | Nat'l Avg | Diff |
|---|---|---|---|
| 🏠 3BR Apartment/House Rent | $190 | $209 | -9% |
| 🛒 Groceries | $41 | $44 | -7% |
| ⚡ Utilities | $22 | $28 | -21% |
| 🚗 Transportation | $40 | $44 | -9% |
| 🛡️ Car Insurance | $133 | $211 | -37% |
| 🏥 Health Insurance | $48 | $53 | -9% |
| Childcare/After-school | $1,044 | $1,200 | -13% |
| Internet + Phones | $157 | $180 | -13% |
| Children Activities | $218 | $250 | -13% |
| Dining Out | $305 | $350 | -13% |
| School Supplies & Clothing | $174 | $200 | -13% |
| Healthcare Co-pays | $131 | $150 | -13% |
| Total Monthly | $2,503 | $2,919 | -14% |
How We Calculated the Salary
Monthly expenses:$2,503
Target savings (15%):$554/mo
Monthly after-tax needed:$3,057
Effective tax rate:26%
Gross annual salary needed:$50,908
Other Household Types in St. Louis
Related Pages
FAQ
What salary does a family with kids need in St. Louis?
A family with kids needs approximately $50,908/year ($4,242/month gross) to live comfortably in St. Louis with a 15% savings rate.
How much is rent for a family with kids in St. Louis?
A 3br apartment/house in St. Louis costs approximately $190/month, which is the largest single expense at 8% of the total budget.
Is St. Louis affordable for a family with kids?
Yes, St. Louis is 14% more affordable than the national average for a family with kids.