Quick answer
⚠️ Possible, but a stretch. A chef in Des Moines earns roughly $52,607/yr (~$3,049/mo take-home) and a 1BR costs $1,150/mo — that's 38% of take-home on rent. The standard is 30% or less.
IA · 2026
Can a Chef Afford to Live in Des Moines?
Using local salary estimates and Des Moines's actual cost of living — rent, taxes, utilities, and groceries — here's the real monthly picture for a chef in Des Moines, IA in 2026.
Monthly Budget Breakdown
Gross monthly salary
$52,607/yr local estimate
$4,384
Taxes (federal + state + FICA)
4.82% state income tax
-$1,335
Monthly take-home
After all taxes
$3,049
1BR rent
38% of take-home
-$1,150
Utilities
Electric, gas, internet avg
-$170
Groceries
Single-person estimate
-$370
Transport
Car or transit average
-$350
Left for everything else
Dining, clothing, fun, savings
$1,009
At a 40% savings rate on discretionary income, a chef in Des Moines could save roughly $4,848/year after covering all essentials.
What Does 38% Rent Burden Mean?
The standard rule of thumb is to spend no more than 30% of gross income on rent. At 38% of take-home pay, a chef in Des Moines is above the recommended threshold. Not impossible, but you'll need to keep non-rent expenses lean.
These numbers use a local salary estimate of $52,607/yr — adjusted from the national Chef median of $58,920/yr based on Des Moines's cost of living index. Actual salaries vary by employer, experience, and specialization.
Best Neighborhoods in Des Moines for a Chef
Based on walkability, rent levels, and quality of life — not just lowest price.
East Village
Hip, walkable urban core with lofts, breweries, galleries, and young professional scene.
Sherman Hill
Historic residential area with mansions and tree-lined streets; established families.
Beaverdale
Family-friendly suburban neighborhood with good schools and parks.
Frequently Asked Questions
What is the average salary for a Chef in Des Moines?
A Chef in Des Moines earns approximately $52,607 per year, based on the national BLS median of $58,920/yr adjusted for Des Moines's cost of living. Actual pay varies by employer, experience, and specialization.
Is Des Moines affordable for a chef in 2026?
It's a stretch. Rent takes 38% of take-home pay — above the recommended 30%. Sharing a 2BR or targeting higher-paying employers makes more sense.
How much take-home pay does a Chef get in Des Moines?
After federal taxes, 4.82% state income tax, and FICA, a Chef earning $52,607/yr takes home roughly $3,049/month in Des Moines.
What is the rent-to-income ratio for a Chef in Des Moines?
A 1-bedroom apartment in Des Moines costs a median of $1,150/month. On a Chef salary, that's 38% of monthly take-home pay. Financial experts recommend keeping this below 30%.