$100k in St. Charles
Your salary isn't what you earn. It's what you keep.
See the exact impact of MO taxes and St. Charles living costs on your paycheck.
Smart Paycheck Engine
2026 IRS Brackets • FICA Limits • State & Local Rules
You keep of your hard-earned money.
📊 St. Charles Salary Guide
The $100,000 Salary Analysis for St. Charles, MO
This guide assumes a single filer with no dependents taking the standard deduction. It focuses on the reality of your bank account, not the headline number.
1. The Verification Test
Your $100,000 salary is not what you spend. Here is the math for a St. Charles resident.
- Gross Income: $100,000
- Federal Tax: ~ -$14,600
- FICA (Social Security/Medicare): ~ -$7,650
- MO State Tax: ~ -$4,800 (Missouri has a progressive bracket system; effective rate is roughly 4.8%)
- Estimated Net Pay (Annual): $72,950
- Estimated Net Pay (Monthly): $6,079
Purchasing Power: $6,079/month
2. Smart Budget (50/30/20 Rule)
Using your $6,079 monthly net pay and local St. Charles costs.
Needs (50%): $3,039
- Rent (1BR Avg): -$972
- Utilities (Elec/Heat/Water): -$180
- Groceries: -$400
- Transportation (Gas/Insurance): -$350
- Remaining for Needs: $1,137 (Buffer for health insurance premiums or debt payments)
Wants (30%): $1,823
- Dining out, entertainment, subscriptions, hobbies.
Savings (20%): $1,216
- Retirement contributions, emergency fund, investments.
3. St. Charles Tax Context
Missouri is a High-Tax State relative to income.
- Vs. Texas/Florida: You lose roughly $4,800 annually to state income tax compared to $0. Over 10 years, that is $48,000 in lost investment potential.
- Vs. California/NY: You save roughly $6,000+ annually compared to high-tax coastal states, but you still face a significant income tax drag.
The Catch: While property taxes in Missouri are moderate, the income tax is a direct reduction of your purchasing power every month.
4. FAQ
"Is $100k good here?"
It is a comfortable living wage. You can afford the $972 rent comfortably and save. However, it does not make you "rich" in St. Charles. After taxes and rent, you have roughly $5,100 left for everything else. If you have a family or student loans, that margin shrinks fast.
"Local income tax?"
St. Charles does not levy a local city income tax. You only pay standard Missouri state tax rates. However, if you work inside St. Louis City limits, you may be subject to the 1% St. Louis City Earnings Tax.