Comfortable Salary Calculator · 2026
How Much Do You Need to Live Comfortably in Sioux City?
Single adult · 2026 tax rates · Expenses based on HUD, USDA, and BLS data
Last updated: March 2026 · Data updated monthly using government datasets.
Income Scenarios for Sioux City
Studio apartment, minimal dining out, no frills
$22,000
required gross salary
Annual take-home
$18,831
Monthly take-home
$1,569
Monthly expenses
$1,477
Rent
$700/mo
Food
$329/mo
Savings target
5%
1-bedroom, moderate lifestyle, 10–15% savings
$30,000
required gross salary
Annual take-home
$25,071
Monthly take-home
$2,089
Monthly expenses
$1,735
Rent
$900/mo
Food
$387/mo
Savings target
15%
2-bedroom or upscale 1BR, dining out regularly, 20% savings
$38,000
required gross salary
Annual take-home
$31,195
Monthly take-home
$2,600
Monthly expenses
$2,062
Rent
$1,130/mo
Food
$484/mo
Savings target
20%
Monthly Expense Breakdown
Non-rent expenses are consistent across scenarios; rent varies by housing tier.
| Expense | Budget | Comfortable | Premium |
|---|---|---|---|
| Rent | $700 | $900 | $1,130 |
| Food | $329 | $387 | $484 |
| Transport | $145 | $145 | $145 |
| Utilities | $137 | $137 | $137 |
| Healthcare | $166 | $166 | $166 |
| Total/month | $1,477 | $1,735 | $2,062 |
| Required salary | $22,000 | $30,000 | $38,000 |
Cost-of-Living Context
COL Index
0.83
vs US avg (1.00)
1BR Rent
$900/mo
HUD FMR 2026
Food (single)
$387/mo
USDA low-cost plan
Transport
$145/mo
BLS CES avg
Frequently Asked Questions
What salary do you need to live comfortably in Sioux City?
A comfortable salary for a single adult in Sioux City is approximately $30,000 (gross). This covers a 1-bedroom apartment ($900/mo), food, transport, utilities, and healthcare — with around 15% of take-home available for savings. (2026 data)
How is this calculated?
The required salary is calculated by estimating total monthly essential expenses (rent, food, transport, utilities, healthcare), then grossing up to account for federal and IA state taxes at 2026 rates. The target is to leave at least 10–20% of take-home income for savings.
Is Sioux City affordable?
Yes — Sioux City has a cost-of-living index of 0.83, meaning it is 17% less expensive than the national average. Even a moderate income goes further here.
How much is rent in Sioux City?
Average rent in Sioux City: Studio $700/mo, 1-bedroom $900/mo, 2-bedroom $1,130/mo. (Source: HUD Fair Market Rents 2026)
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Data Sources
- •Rent data: HUD Fair Market Rents
- •Tax calculations: IRS federal tax tables
- •Salary data: Bureau of Labor Statistics
- •Payroll taxes: Social Security Administration
Data updated monthly using government datasets.