Can I Afford to Live in Naperville vs St. Louis on $80K?
Here's how a $80K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Naperville IL | St. Louis MO |
|---|---|---|
| Monthly take-home (est.) | $4,723 | $4,743 |
| 1BR rent | $1,650 | $1,300 |
| Groceries (est.) | $380 | $369 |
| Transport (est.) | $72 | $75 |
| Utilities | $158 | $162 |
| Internet | $62 | $60 |
| Left after essentials | $2,401/month | $2,777/month |
Frequently asked questions
Is $80K a good salary in Naperville?
At $80K/year in Naperville, your estimated monthly take-home is $4,723. With 1BR rent around $1,650/month, rent takes up 35% of your take-home. That's considered manageable.
Is $80K a good salary in St. Louis?
At $80K/year in St. Louis, your estimated monthly take-home is $4,743. With 1BR rent around $1,300/month, rent takes up 27% of your take-home. That's considered comfortable.
Which city is more affordable on a $80K salary?
St. Louis leaves you with more money after core expenses — $2,777/month vs $2,401/month in Naperville.
Can I afford to live alone in Naperville on $80K?
Yes. At $80K in Naperville, rent takes 35% of your take-home, leaving $2,401/month after essentials. Most financial planners recommend keeping rent below 30%.
See the full cost-of-living comparison
Rent, groceries, taxes, transportation, and more — side by side.
Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only