Oregon Paycheck Calculator (2026)

How the Oregon Paycheck Calculator: Take-Home Pay Works

This Oregon paycheck calculator estimates your take-home pay in Oregon using the 2026 federal brackets, Social Security, Medicare and Oregon's state income tax (graduated rates from 4.75% to 9.9%). Oregon has no sales tax but taxes wages at up to 9.9%, adds a statewide transit tax and paid leave premiums, and charges extra local taxes in the Portland area. Enter your salary, pay frequency, filing status and any pre-tax deduction to see net pay per paycheck and per year.

How Oregon taxes wages

Oregon taxes income at 4.75% on the first $4,550 of taxable income for single filers, 6.75% up to $11,400, 8.75% up to $125,000 and 9.9% above that, with joint filers reaching the 8.75% bracket at $22,800 and the 9.9% bracket at $250,000. That means most Oregonians pay a marginal state rate of 8.75%, which is among the highest state marginal rates for middle earners. The state standard deduction is only $2,910 for single filers and $5,820 for joint filers, and personal exemption credits of $256 and $512 apply.

Oregon allows a subtraction for federal income tax paid, up to a limit of about $8,500 for lower incomes, which reduces the effective rate and is not modeled in the calculator. The estimate is therefore conservative for middle-income workers, whose actual Oregon tax may be a few hundred dollars lower than shown.

How this calculator estimates your Oregon paycheck

The calculator starts with your gross pay, subtracts the pre-tax deduction you enter, and applies the 2026 federal standard deduction of $16,100 for single filers or $32,200 for married couples filing jointly. Federal income tax comes from the seven 2026 brackets, Social Security is 6.2% up to $184,500 and Medicare is 1.45% with a 0.9% surcharge above $200,000 (single) or $250,000 (joint). For Oregon it then applies graduated rates from 4.75% to 9.9% income tax after a state standard deduction of $2,910 for single filers and $5,820 for joint filers and a personal exemption credit of $256 for single filers and $512 for joint filers. Pre-tax deferrals reduce state taxable income in the estimate, as they do on most state returns. The optional payroll deduction field covers oregon paid leave and transit tax. The local field lets you add oregon local income tax. Results are estimates; your employer's payroll system and your tax return are final. See the US paycheck guide for the full method.

Typical pay in Oregon

Employers in Oregon reported roughly 1,967,130 jobs in May 2025. The median annual wage across all of them was $57,000 ($27.40 an hour), 12% above the national median of $50,980. The average wage was higher, at $72,460, because a smaller number of high earners pull the average up; the median is the better guide to a typical paycheck.

After federal income tax, Social Security, Medicare and the Oregon taxes in this calculator, a single worker on that $57,000 median takes home about $43,423 a year, or $3,619 a month and $1,670.10 every two weeks.

Wage figures: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025, Oregon. Take-home pay: this page's 2026 calculator, single filer, no pre-tax deductions, default settings.

What Oregon's largest occupations take home

Here are the jobs that employ the most people in Oregon. Each row shows the median salary and what a single filer keeps after 2026 taxes in Oregon.

The most common jobs are not the best paid ones: 11 of these 15 pay less than the $57,000 median for all workers, which is why the overall median is lower than many people expect.

Worked example: $65,000 salary in Oregon, paid every two weeks

A single Oregon employee earning $65,000, paid every two weeks and contributing $100 per paycheck to a traditional 401(k), has gross pay of $2,500.00 per paycheck. After the $2,600 deferral and the $16,100 federal standard deduction, taxable income is $46,300 and federal income tax is about $5,308. Social Security is $4,030 and Medicare is $943. Oregon state income tax is about $4,630, an effective state rate of 7.12% of gross pay. Estimated state payroll deductions add about $455.

Net pay is about $47,034 a year, or $1,809.00 per paycheck, which is 72.4% of gross pay. Change any input in the calculator above to test your own situation.

Married couple example: $110,000 combined pay

A married couple filing jointly in Oregon with $110,000 of combined wages and 6% ($6,600) going to traditional retirement plans has federal taxable income of $71,200 and pays about $8,048 in federal income tax and $8,415 in FICA. Oregon income tax comes to roughly $7,388. Estimated take-home pay is about $78,779 a year, or $3,029.95 per biweekly paycheck.

Best-paying common jobs in Oregon

Among occupations with at least 3,000 workers in Oregon, these have the highest median pay. Federal tax takes a larger share at these salaries, so compare the take-home column rather than the salary when weighing offers.

What makes the Oregon job market different

A location quotient compares how common a job is locally with its share nationwide: 2.0 means twice as concentrated as the U.S. overall. These occupations stand out in Oregon and say a lot about which industries hire there.

How Oregon wages compare for well-known jobs

Median annual wages for well-known jobs in Oregon and the United States. Pay usually tracks living costs, so a higher wage does not always mean more money left over.

Entry-level and hourly pay in Oregon

The lowest-paid 10% of workers in Oregon earn under $17.15 an hour. Common hourly jobs pay the median rates below; a 40-hour week at that rate takes home the amount shown after 2026 taxes. Check the current Oregon minimum wage on the U.S. Department of Labor state minimum wage page, since several states raise it each year.

Oregon wages by type of work

BLS groups every job into broad career fields. Here is how many people work in each across Oregon, the field's median salary and what that salary takes home in Oregon. Management pays the most at a median of $124,810; farming, fishing, and forestry pays the least at $37,060.

Starting vs. experienced pay in Oregon

The median hides a wide range. The lowest-paid 10% in a job are often new to it, while the top 10% are usually experienced, specialized or in management. The ranges below for common Oregon jobs show how much room there is to grow, with take-home pay at each level.

Oregon take-home pay at three salaries

These estimates assume a single filer, no pre-tax deductions, 0.7% of state payroll deductions and the 2026 federal standard deduction.

• $40,000: federal income tax about $2,620, FICA $3,060, Oregon income tax about $2,670, other state and local deductions about $280, leaving roughly $31,370 a year ($1,206.52 per biweekly paycheck).
• $65,000: federal income tax about $5,620, FICA $4,973, Oregon income tax about $4,858, other state and local deductions about $455, leaving roughly $49,095 a year ($1,888.25 per biweekly paycheck).
• $100,000: federal income tax about $13,170, FICA $7,650, Oregon income tax about $7,920, other state and local deductions about $700, leaving roughly $70,560 a year ($2,713.83 per biweekly paycheck).

Use the calculator to add retirement deferrals, change your filing status or switch pay frequency. For comparisons, see the national paycheck calculator and the paycheck calculators by state hub.

Where the tax goes on a $65,000 Oregon paycheck

Of about $15,905 in total annual taxes for a single filer earning $65,000 with no pre-tax deductions, federal income tax is about 35%, Social Security and Medicare together are about 31%, Oregon income tax is about 31%, and other state and local payroll or income taxes are about 3%. Federal taxes dominate almost everywhere, which is why federal planning tools such as the federal income tax calculator and a correctly completed W-4 matter as much as the state rate.

Oregon local taxes and payroll deductions

Oregon employees pay a statewide transit tax of 0.1% of wages and contribute to Paid Leave Oregon, which is funded by a premium of 1% of wages with the employee paying 60%, or about 0.6%, up to the Social Security wage base. The calculator defaults to 0.7% for both programs together. Portland-area workers may also pay the Metro Supportive Housing Services tax of 1% on income above $125,000 for singles and the Multnomah County Preschool for All tax of 1.5% on income above $125,000, and the local field lets you include local tax if it applies to you. TriMet payroll tax is charged to employers.

Use Form OR-W-4 to set state withholding. Your stub may show OR state withholding, statewide transit tax, Paid Leave Oregon and any local tax lines.

Retirement income, credits and special Oregon rules

Oregon does not tax Social Security benefits and offers a credit for retirement income for some taxpayers, with pension income taxed at ordinary rates. The state's kicker law returns excess revenue to taxpayers as a credit on their return in some years, which can produce a surprise refund. Oregon also offers an earned income credit, a working family child care credit and a renter's credit through the Oregon Working Family Household and Dependent Care Credit.

Oregon has no general sales tax, so purchases are not taxed, which helps offset high income tax for people who spend a lot. Bonuses and supplemental wages are subject to income tax with withholding at a flat supplemental rate.

Living and working in Oregon: how the tax burden compares

Oregon has no state sales tax, and property taxes are limited by Measures 5 and 50, which cap assessed value growth at 3% a year. The tradeoff is the second-highest top income tax rate on the West Coast after California, and Portland-area workers face extra local taxes. Portland has strong technology, outdoor products and health care jobs, and housing costs are high in Portland and Bend.

Compare Oregon with Washington just across the Columbia River and with California. Many workers live in Vancouver, Washington and commute to Oregon jobs, paying Oregon income tax on wages earned in Oregon while paying Washington sales tax at home.

Oregon income tax at a glance

• State income tax: graduated, from 4.75% to 9.9%
• State standard deduction: $2,910 single, $5,820 joint
• Personal exemption: $256 single, $512 joint (credit)
• State pre-tax retirement treatment: follows the federal exclusion
• Employee payroll programs: Oregon paid leave and transit tax, about 0.7% of wages
• Local income tax: Oregon local income tax, default 0% in the calculator
• Withholding form: Form OR-W-4
• Agency: the Oregon Department of Revenue

These are the assumptions built into the calculator above. Rates, exemptions and payroll premiums change from year to year, so verify each item with the agency listed before making a large financial decision.

What a $100 pre-tax contribution really costs in Oregon

Contributing $100 per paycheck to a traditional 401(k) or HSA reduces your take-home pay by less than $100 because it lowers taxable income. In the $65,000 single-filer example for Oregon, the annual contribution of $2,600 cuts net pay by only about $2,061, or $79.25 per biweekly paycheck, so the true cost of each $100 contribution is roughly $79.25. The saving comes from both federal and Oregon income tax, though not from Social Security or Medicare. Use the 401(k) calculator to see how those contributions grow.

Oregon paycheck rules: pay frequency, minimum wage and final pay

Oregon has a three-tier minimum wage: a standard rate, a higher rate in the Portland metro area and a lower rate in nonurban counties, all indexed to inflation each July, and the rates range from roughly $14 to $16 an hour, so confirm current amounts with the Bureau of Labor and Industries. Employers must pay wages at least every 35 days, with final wages due by the end of the next business day after discharge, and within five days or the next payday for quits without notice. Oregon requires paid sick time of one hour per 30 hours worked up to 40 hours a year and daily overtime for some manufacturing workers.

Common mistakes with Oregon paychecks

• Forgetting the transit tax and paid leave. They reduce every paycheck slightly.
• Ignoring the federal tax subtraction. It can lower Oregon tax for middle earners.
• Budgeting from gross pay. Plan with net pay per paycheck, about $1,809.00 in the $65,000 example.
• Forgetting FICA. Social Security and Medicare add 7.65% for most employees. See what is FICA tax.
• Not updating withholding. Review your W-4 and Form OR-W-4 after a move, marriage or new job, using the W-4 withholding calculator.

Key takeaways

• Oregon taxes wages with graduated rates from 4.75% to 9.9%.
• Pre-tax retirement deferrals lower federal income tax but not FICA.
• A single worker earning $65,000 keeps about 72% of gross pay in the standard example.
• Compare states using total cost of living, not only income tax.
• Confirm current figures with the Oregon Department of Revenue and IRS.gov.

Budgeting on the median Oregon wage

On the $57,000 median, the common guideline of spending no more than 30% of gross pay on housing allows rent of about $1,425 a month. Using the 50/30/20 rule on the $3,619 monthly take-home pay, that is about $1,809 for needs such as rent, food and transport, $1,086 for wants and $724 for savings and debt payments.

If rents run above $1,425 for the home you want, the usual fixes are a roommate, a longer commute or a second income in the household; the rent affordability calculator tests your own numbers.