Missouri · 2026 Federal Benchmarks

Cost of Living in Laclede County, MO

The median household in Laclede County, MO earns $53,282 a year ($4,440/month) according to U.S. Census Bureau ACS data. Benchmark 2-bedroom rent is $903/month under HUD Fair Market Rents, requiring an annual income of at least $36,120 under the federal 30% housing rule, with overall consumer prices sitting 9.2% below the national baseline.

Key Economic Benchmarks

Median Household Income

$53,282$4,440 per month · U.S. Census Bureau ACS 5-Year
2-Bedroom Rent$903HUD FY2026 Fair Market Rent
Price Parity (RPP)90.8-9.2% vs national baseline
Electricity Rate16.2¢per kWh · EIA Residential MO
Census Population36,390Official resident count

Fair market rent & 30% rule in Laclede County, MO

Official HUD Fair Market Rents evaluated against local household income benchmarks.

Affordable (< 30% of income)
HUD Fair Market Rent$903Monthly market rent
Share of gross income20.3%Recommended max: 30%
Annual income needed$36,120To meet the 30% standard
Max affordable rent$1,332At 30% of $53,282
0%30% (Affordability standard)100%
Compare against:

2026 HUD Fair Market Rent Schedule: Laclede County, MO

Official FY2026 HUD Fair Market Rents for Laclede County, MO. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.

HUD FY2026 Fair Market Rent Schedule for Laclede County, MO
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$671$8,052$26,84015.1%
1-Bedroom Apartment$688$8,256$27,52015.5%
2-Bedroom ApartmentBenchmark$903$10,836$36,12020.3%
3-Bedroom Home$1,182$14,184$47,28026.6%
4-Bedroom Home$1,482$17,784$59,28033.4%

See dedicated rental breakdown for Laclede County, MO →

50/30/20 Living Budget in Laclede County, MO

Based on the local median household income of $53,282/year ($4,440/month), here is how a balanced budget allocates expenses:

Needs (50%)$2,220/moRent ($903 2-BR), utilities (~$146/mo), groceries, transit
Wants (30%)$1,332/moDiscretionary spending: dining, leisure, recreation at 90.8 RPP price level
Savings & Debt (20%)$888/moEmergency fund, 401(k), IRA retirement, student loan and debt reduction

Take-Home Pay & Tax Explorer in Missouri

Explore net income after federal income tax, FICA, and Missouri state income tax based on the local median baseline.

$53,282
$20,000$110,000
Filing status:
Gross salary breakdown$53,282
Net 82%
Fed 8%
MO 3%
FICA 8%
Annual take-home$43,434After all taxes
Monthly deposit$3,619Estimated per month
Biweekly paycheck$1,671Every 2 weeks (26/yr)
Effective tax rate18.5%Total tax burden
Federal income tax$4,214 / yr
Missouri state income tax$1,558 / yr
FICA (Social Security & Medicare)$4,076 / yr

Compare earnings and living costs across Missouri with official federal datasets:

Frequently Asked Questions About Living in Laclede County, MO

What is the median household income in Laclede County, MO?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Laclede County, MO is $53,282 per year (approximately $4,440 per month).

What is the average rent in Laclede County, MO?

According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Laclede County, MO are $671 for a studio, $688 for 1 bedroom, $903 for 2 bedrooms, $1,182 for 3 bedrooms, and $1,482 for 4 bedrooms.

How does the cost of living in Laclede County, MO compare to the national average?

Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Laclede County, MO is 90.8 (9.2% lower than the U.S. national baseline of 100.0).

How much do you need to earn to comfortably afford rent in Laclede County, MO?

Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($903/month) in Laclede County, MO requires a minimum gross household income of $36,120 per year ($3,010 per month).

What is a balanced 50/30/20 monthly budget in Laclede County, MO?

For a typical household earning the median income of $53,282/year ($4,440/month) in Laclede County, MO, a balanced 50/30/20 budget allocates $2,220/month to essential needs (rent, utilities, groceries), $1,332/month to discretionary spending, and $888/month to savings and debt repayment.

What are typical electricity and utility costs in Laclede County, MO?

Residential electricity rates in Missouri average 16.2¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $146 per month.