Can I Afford to Live in St. Louis vs Lubbock 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 | St. Louis MO | Lubbock TX |
|---|---|---|
| Monthly take-home (est.) | $4,743 | $5,057 |
| 1BR rent | $1,300 | $1,000 |
| Groceries (est.) | $369 | $346 |
| Transport (est.) | $75 | $38 |
| Utilities | $162 | $172 |
| Internet | $60 | $58 |
| Left after essentials | $2,777/month | $3,443/month |
Frequently asked questions
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.
Is $80K a good salary in Lubbock?
At $80K/year in Lubbock, your estimated monthly take-home is $5,057. With 1BR rent around $1,000/month, rent takes up 20% of your take-home. That's considered very comfortable.
Which city is more affordable on a $80K salary?
Lubbock leaves you with more money after core expenses — $3,443/month vs $2,777/month in St. Louis.
Can I afford to live alone in St. Louis on $80K?
Yes. At $80K in St. Louis, rent takes 27% of your take-home, leaving $2,777/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