SOC 15-1252

Software Engineer Salary in St. Louis, MO-IL (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 + Municipal
COL Index: 102.33 (+2.3% vs US)
Net Compensation Yield 67.9% Realized
$87,552 / net annual direct deposit
Gross Adjusted $129,030 $62.03/hr
Effective Tax Drag 26.15% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$33,736 $1,297.53/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 $62.03 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,742/yr)
0% Tax Shield: ~$1,703/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$17,853
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,000
Medicare Hospital Insurance
Statutory 1.45%
-$1,871
Missouri Individual Income Tax
State Marginal Bracket
-$4,721
St. Louis earnings tax
1.00%
-$1,290
Net Take-Home Annual Realized
$87,552 ($3,367.40 / check)
Category 2 of 6

St. Louis, MO-IL Software Engineer Wage Distribution

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

Your Salary: $129,030
MIDDLE 50% (IQR RANGE) 10th $77.7k 25th $102k Median: $129,030 50th (Median) $129k 75th $156k 90th $169k You: $129,030
10th (Entry) $77,730 $37.37/hr
25th (Junior) $101,670 $48.88/hr
50th (Median) $129,030 $62.03/hr
75th (Senior) $156,320 $75.15/hr
90th (Lead/Master) $169,030 $81.26/hr
Career Progression & Licensing Milestones for Software Engineer in St. Louis, MO-IL
1
Junior Software Engineer (L3)CS degree or equivalent bootcamp/portfolio, foundational data structures
$83,977$40.37/hr · 0-2 Years
2
Mid-Level Software Engineer (L4)Independent feature delivery, system design, CI/CD and DB optimization
$121,458$58.39/hr · 2-5 Years
3
Senior Software Engineer (L5)Architectural leadership, cross-team design reviews, mentorship
$163,209$78.47/hr · 5-8 Years
4
Staff / Principal Engineer (L6)Company-wide tech strategy, distributed system fault tolerance, high scale
$216,347$104.01/hr · 8+ Years
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in St. Louis, MO-IL 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) $1,104/month Requires minimum annual gross of $44,160
HUD Fair Market Rent (2-Bedroom) $1,349/month Requires minimum annual gross of $53,960
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $22.63/hr
Per adult, 2 working adults + 1 child: $21.07/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. Louis, MO-IL.

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$129,030-$33,736$87,552$3,367.40
+5h Overtime/Wk45 hrs$153,223-$42,387$101,643$3,909.34
+10h Overtime/Wk50 hrs$177,416-$51,007$115,765$4,452.49
+15h Overtime/Wk55 hrs$201,609-$58,580$130,933$5,035.89
+20h Overtime/Wk60 hrs$225,803-$65,917$146,337$5,628.36
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. Louis, MO-IL: 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
$129,030/yr
$62.03/hr · SOC 15-1252
Statutory Tax Drag
26.15% Effective
-$33,736 in Total Taxes
HUD 1BR Shelter Ratio
15% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$6,192/mo
Post-$1,104/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. Louis, MO-IL: Market Snapshot

Software Engineer roles in St. Louis, MO-IL report a median annual wage of $129,030, 5.1% below the national median of $135,980. The 10th to 90th percentile band runs from $77,730 to $169,030, and HUD’s $1,104 monthly one-bedroom fair market rent equals 10.3% of that median gross pay. The single-adult living wage benchmark for the area is $22.63 per hour.

Highest-paying metropolitan areas for Software Engineer

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$213,110+65.2%
San Francisco-Oakland-Fremont, CA$186,640+44.6%
Seattle-Tacoma-Bellevue, WA$167,280+29.6%
New York-Newark-Jersey City, NY-NJ$166,830+29.3%
Boston-Cambridge-Newton, MA-NH$166,090+28.7%
Boulder, CO$164,560+27.5%
San Diego-Chula Vista-Carlsbad, CA$163,270+26.5%
Bridgeport-Stamford-Danbury, CT$162,650+26.1%
Manchester-Nashua, NH$162,090+25.6%
Los Angeles-Long Beach-Anaheim, CA$160,920+24.7%

Top-paying occupations benchmarked in St. Louis, MO-IL

OccupationMedian annual wageMedian hourly
Chief Executives$202,840$97.52/hr
Computer and Information Systems Managers$167,130$80.35/hr
Architectural and Engineering Managers$162,660$78.20/hr
Natural Sciences Managers$158,820$76.36/hr
Financial Manager$158,780$76.34/hr
Marketing Managers$137,900$66.30/hr
Physician Assistant$136,120$65.44/hr
Purchasing Managers$135,400$65.10/hr
Human Resources Managers$133,880$64.37/hr
Nurse Practitioner$131,580$63.26/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. Louis, MO-IL (2026) Overview

Software Engineer median pay in St. Louis, MO-IL is $129,030 a year ($62.03/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. Louis, MO-IL?

The median annual wage is $129,030 ($62.03 per hour). The middle 80% of earners make between $77,730 and $169,030. Source: BLS OEWS (May 2025).

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

On the median wage of $129,030, a single filer with no pre-tax deductions takes home about $93,041 a year ($7,753 a month) after $35,989 in federal, FICA, state and local taxes, an effective rate of 27.89%, using 2026 tax rules.