SOC 15-1252

Software Engineer Salary in St. Joseph, MO-KS (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + MO
COL Index: 95.66 (-4.3% vs US)
Net Compensation Yield 71.2% Realized
$70,225 / net annual direct deposit
Gross Adjusted $98,570 $47.39/hr
Effective Tax Drag 22.76% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$22,431 $862.73/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $47.39 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,914/yr)
0% Tax Shield: ~$1,301/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$11,554
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,111
Medicare Hospital Insurance
Statutory 1.45%
-$1,429
Missouri Individual Income Tax
State Marginal Bracket
-$3,336
Net Take-Home Annual Realized
$70,225 ($2,700.96 / check)
Category 2 of 6

St. Joseph, MO-KS Software Engineer Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $98,570
MIDDLE 50% (IQR RANGE) 10th $68.8k 25th $83.6k Median: $98,570 50th (Median) $98.6k 75th $121k 90th $157k You: $98,570
10th (Entry) $68,830 $33.09/hr
25th (Junior) $83,600 $40.19/hr
50th (Median) $98,570 $47.39/hr
75th (Senior) $120,950 $58.15/hr
90th (Lead/Master) $157,050 $75.50/hr
Career Progression & Licensing Milestones for Software Engineer in St. Joseph, MO-KS
1
Junior Software Engineer (L3)CS degree or equivalent bootcamp/portfolio, foundational data structures
$64,152$30.84/hr · 0-2 Years
2
Mid-Level Software Engineer (L4)Independent feature delivery, system design, CI/CD and DB optimization
$92,785$44.61/hr · 2-5 Years
3
Senior Software Engineer (L5)Architectural leadership, cross-team design reviews, mentorship
$124,680$59.94/hr · 5-8 Years
4
Staff / Principal Engineer (L6)Company-wide tech strategy, distributed system fault tolerance, high scale
$165,274$79.46/hr · 8+ Years
Scaled to the St. Joseph, MO-KS medianView National Software Engineer Salary Data
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in St. Joseph, MO-KS under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
15% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $857/month Requires minimum annual gross of $34,280
HUD Fair Market Rent (2-Bedroom) $1,101/month Requires minimum annual gross of $44,040
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $21.16/hr
Per adult, 2 working adults + 1 child: $18.91/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in St. Joseph, MO-KS.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$98,570-$22,431$70,225$2,700.96
+5h Overtime/Wk45 hrs$117,052-$28,529$81,500$3,134.62
+10h Overtime/Wk50 hrs$135,534-$34,729$92,672$3,564.32
+15h Overtime/Wk55 hrs$154,016-$41,129$103,645$3,986.36
+20h Overtime/Wk60 hrs$172,498-$47,529$114,619$4,408.41
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Software Engineer in St. Joseph, MO-KS: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Missouri tax codes.

Market Baseline
$98,570/yr
$47.39/hr · SOC 15-1252
Statutory Tax Drag
22.76% Effective
-$22,431 in Total Taxes
HUD 1BR Shelter Ratio
15% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,995/mo
Post-$857/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 15-1252
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Software Engineer in St. Joseph, MO-KS: Market Snapshot

Software Engineer roles in St. Joseph, MO-KS report a median annual wage of $98,570, 27.5% below the national median of $135,980. The 10th to 90th percentile band runs from $68,830 to $157,050, and HUD’s $857 monthly one-bedroom fair market rent equals 10.4% of that median gross pay. The single-adult living wage benchmark for the area is $21.16 per hour.

Highest-paying metropolitan areas for Software Engineer

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$213,110+116.2%
San Francisco-Oakland-Fremont, CA$186,640+89.3%
Seattle-Tacoma-Bellevue, WA$167,280+69.7%
New York-Newark-Jersey City, NY-NJ$166,830+69.3%
Boston-Cambridge-Newton, MA-NH$166,090+68.5%
Boulder, CO$164,560+66.9%
San Diego-Chula Vista-Carlsbad, CA$163,270+65.6%
Bridgeport-Stamford-Danbury, CT$162,650+65.0%
Manchester-Nashua, NH$162,090+64.4%
Los Angeles-Long Beach-Anaheim, CA$160,920+63.3%

Top-paying occupations benchmarked in St. Joseph, MO-KS

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$138,340$66.51/hr
Physician Assistant$138,060$66.38/hr
Natural Sciences Managers$134,810$64.81/hr
Chief Executives$131,540$63.24/hr
Computer and Information Systems Managers$130,170$62.58/hr
Nurse Practitioner$128,710$61.88/hr
Industrial Production Managers$128,370$61.72/hr
Marketing Managers$123,480$59.37/hr
Financial Manager$123,420$59.34/hr
Construction Managers$116,540$56.03/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 377 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Software Engineer Salary in St. Joseph, MO-KS (2026) Overview

Software Engineer median pay in St. Joseph, MO-KS is $98,570 a year ($47.39/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living.

Quick answers
What is the median salary for a Software Engineer in St. Joseph, MO-KS?

The median annual wage is $98,570 ($47.39 per hour). The middle 80% of earners make between $68,830 and $157,050. Source: BLS OEWS (May 2025).

What is the take-home pay for a Software Engineer in St. Joseph, MO-KS after taxes?

On the median wage of $98,570, a single filer with no pre-tax deductions takes home about $74,569 a year ($6,214 a month) after $24,001 in federal, FICA, state and local taxes, an effective rate of 24.35%, using 2026 tax rules.