Oregon Paycheck Calculator (2026) - Free Take-Home Pay (9.9% Top Rate)
Oregon has four progressive tax brackets (4.75%-9.9%), a unique three-tier minimum wage system, no sales tax, the Statewide Transit Tax (0.1%), Paid Leave Oregon, and strict final paycheck laws. Estimate your Oregon take-home pay after all deductions. Includes salary examples, state comparisons, and Oregon payroll law guide.
Enter your salary, filing status, and deductions to see your estimated Oregon take-home pay.
Try the Calculator
$2,200 credit each (2026)
$500 credit each
2026 federal & state tax rates - Standard deduction applied
Need more room to model your paycheck?
Open the full calculator or embed this widget on your site.
After taxes, the rest of your take-home is yours to save or invest.
Model a monthly contribution below to see long-term growth scenarios. Illustrative only, not investment advice.
Open Investment & Savings Planner ↓Oregon Income Tax Overview (2026)
- State income tax: 9.9% - top rate 9.9%
- Social Security tax: 6.2% on first $184,500 of wages (2026)
- Medicare tax: 1.45% on all wages (+ 0.9% above $200,000)
- Local income tax: Oregon levies a 0.1% Statewide Transit Tax on all wages. The Portland metro area also has a transit payroll tax for employers in that district.
Oregon collects state income tax using 4 progressive brackets. The top marginal rate is 9.9%. Below are the Oregon 2026 income tax brackets for single filers.
| Taxable Income | Tax Rate |
|---|---|
| $0-$4,050 | 4.75% |
| $4,050-$10,200 | 6.75% |
| $10,200-$125,000 | 8.75% |
| Over $125,000 | 9.90% |
2026 Federal Income Tax Brackets
These brackets apply to all US workers regardless of state. The 2026 brackets are inflation-adjusted from 2025.
Single / Head of Household
| Taxable Income | Tax Rate |
|---|---|
| $0-$11,925 | 10.00% |
| $11,925-$48,475 | 12.00% |
| $48,475-$103,350 | 22.00% |
| $103,350-$197,300 | 24.00% |
| $197,300-$250,525 | 32.00% |
| $250,525-$626,350 | 35.00% |
| Over $626,350 | 37.00% |
Married Filing Jointly
| Taxable Income | Tax Rate |
|---|---|
| $0-$23,850 | 10.00% |
| $23,850-$96,950 | 12.00% |
| $96,950-$206,700 | 22.00% |
| $206,700-$394,600 | 24.00% |
| $394,600-$501,050 | 32.00% |
| $501,050-$751,600 | 35.00% |
| Over $751,600 | 37.00% |
2026 standard deduction: $16,100 (Single) · $32,200 (Married) · $24,150 (Head of Household)
2025 vs 2026: What Changed?
The IRS adjusts tax brackets annually for inflation. Here's how your take-home pay changes between years for common salaries in Oregon (single filer, standard deduction).
| Gross Salary | 2025 Take-Home | 2026 Take-Home | Difference |
|---|---|---|---|
| $50,000 | $38,751 | $38,795 | +$44 |
| $75,000 | $55,610 | $55,826 | +$216 |
| $100,000 | $70,985 | $71,201 | +$216 |
| $150,000 | $100,877 | $101,156 | +$280 |
| $200,000 | $131,534 | $131,292 | -$241 |
Single filer, standard deduction, no pre-tax contributions.
Example Take-Home Pay in Oregon (2026)
Single filer, standard deduction ($16,100), no additional withholding.
| Gross Annual | Federal Tax | State Tax | FICA | Net Annual | Biweekly | Eff. Rate |
|---|---|---|---|---|---|---|
| $50,000 | $3,830 | $3,500 | $3,825 | $38,795 | $1,492.12 | 22.4% |
| $75,000 | $7,872 | $5,489 | $5,738 | $55,826 | $2,147.17 | 25.6% |
| $100,000 | $13,372 | $7,677 | $7,650 | $71,201 | $2,738.51 | 28.8% |
| $150,000 | $24,983 | $12,236 | $11,475 | $101,156 | $3,890.63 | 32.6% |
| $200,000 | $36,983 | $17,186 | $14,339 | $131,292 | $5,049.71 | 34.4% |
Learn more: How FICA taxes work in 2026 · Gross vs. net income explained · How to calculate your take-home pay
Oregon vs Other States - Biweekly Take-Home at $75,000
Same $75,000 salary, same single filer, same federal deductions - only state income tax differs. This is how Oregon compares to nearby and popular states.
| State | State Tax Rate | Biweekly Net Pay | vs Oregon |
|---|---|---|---|
| Oregon (you) | 9.9% | $2,147.17 | Benchmark |
| Washington | 0% | $2,361.17 | +$214.00/check |
| California | 13.3% | $2,221.64 | +$74.47/check |
| Idaho | 5.8% | $2,193.87 | +$46.70/check |
| Nevada | 0% | $2,361.17 | +$214.00/check |
| Arizona | 2.5% | $2,289.06 | +$141.89/check |
Single filer, standard deduction, no pre-tax contributions. Calculate your exact take-home pay · Browse all state calculators
FICA Taxes in 2026
Investment & Savings Planner
Customize your savings rate, time horizon, and return to see what your Oregon take-home pay could become.
Select from examples or enter your own
Your Money Split at 20 Years
For illustration only. Assumes contributions made monthly at the start of each period, compounded monthly. Past performance does not guarantee future results. Consult a financial advisor.
Every Deduction on an Oregon Paycheck - 2026
Oregon is unique among western states: it has no sales tax, meaning income tax carries the entire state revenue burden. Understanding every deduction requires knowing four separate tax obligations that many calculators miss.
| Federal income tax | 10%-37% (W-4 based, 2026 brackets) |
| Social Security (OASDI) | 6.2% on first $184,500 |
| Medicare (HI) | 1.45% on all wages |
| Oregon state income tax | 4.75%-9.9% progressive |
| Oregon Statewide Transit Tax | 0.1% of all wages (employee-paid) |
| Paid Leave Oregon (employee share) | ~0.6% of wages (varies annually) |
| City income tax (Portland only) | Metro SHS 1%; Multnomah PFA 1.5% on income over $125k |
Oregon Standard Deduction and Key Adjustments - 2026
| Standard deduction - Single | $2,910 | Reduces Oregon taxable income |
| Standard deduction - MFJ / HoH | $5,820 | Reduces Oregon taxable income |
| Oregon federal income tax deduction | Up to $6,100 (single) / $12,200 (MFJ) | Oregon-unique deduction |
| Personal exemption credit | $263/allowance | Phases out above $100k (single) |
Oregon vs Other States - Take-Home at $75,000 (2026)
Same salary, same federal deductions - only state income tax differs. Oregon ranked against neighbors and other common comparisons.
| State | State Tax Rate | Biweekly Net | vs Oregon |
|---|---|---|---|
| Washington | 0% income tax | $2,284 | +$143/check |
| Texas / Florida | 0% - no state income tax | $2,373 | +$232/check |
| Idaho | 5.8% flat | $2,219 | +$78/check |
| Oregon (you) | 4.75%-9.9% progressive | $2,141 | Benchmark |
| California | Progressive to 13.3% | $2,061 | -$80/check |
The Washington vs Oregon gap ($143/check = $3,718/year) is why many Portland-area residents consider the Vancouver, WA commute. No state income tax + no sales tax in WA vs high income tax + no sales tax in OR.
Oregon's Three-Tier Minimum Wage - Most Complex in the US (Jul 1, 2026)
Oregon is the only state with a three-tiered geographic minimum wage. Oregon sets three distinct rates based on where work is physically performed - not where the company is headquartered. All three rates update every July 1 based on the Consumer Price Index (CPI). Oregon has no tip credit - all workers receive the full minimum wage regardless of tips.
| Tier | Hourly | Biweekly (80 hrs) | Counties / Area |
|---|---|---|---|
| Portland Metro | $16.80 | $1,344 | Within urban growth boundary - parts of Clackamas, Multnomah, and Washington counties |
| Standard | $15.55 | $1,244 | Benton, Clatsop, Columbia, Deschutes, Hood River, Jackson, Josephine, Lane, Lincoln, Linn, Marion, Polk, Tillamook, Wasco, Yamhill counties |
| Nonurban | $14.55 | $1,164 | Baker, Coos, Crook, Curry, Douglas, Gilliam, Grant, Harney, Jefferson, Klamath, Lake, Malheur, Morrow, Sherman, Umatilla, Union, Wallowa, Wheeler counties |
No tip credit
Full wage for every worker
Oregon does not allow tip credits. Tipped employees - restaurant servers, bartenders, delivery workers - must receive the full minimum wage for their geographic tier in addition to any tips. Employers cannot use tips to satisfy minimum wage obligations. Source: Oregon BOLI.
Annual July 1 updates
CPI-indexed increases
Oregon's minimum wage increases automatically every July 1 based on the Consumer Price Index (CPI). The Oregon Bureau of Labor and Industries announces new rates by April 30 each year. Employers with workers near county tier boundaries must track which rate applies to each employee's work location - not their home address.
Oregon Payroll Laws 2026 - What Every Worker Needs to Know
Oregon has some of the most employee-protective labor laws in the US. The final paycheck rules are particularly strict - with significant penalties for employers who miss deadlines.
Final Paycheck - Fired or Terminated
End of next business day
If your employer fires you, lays you off, or ends employment by mutual agreement, your final paycheck is due by the end of the first business day after termination. This is one of the fastest final paycheck requirements in the US. Applies regardless of the reason for termination. Source: ORS 652.140; Oregon BOLI.
Final Paycheck - You Quit
Depends on notice given
Quit with at least 48 hours' notice (excluding weekends and holidays): final check due on your last day. Quit without 48 hours' notice: final check due within 5 business days OR the next regular payday, whichever comes first. Source: Oregon BOLI, ORS 652.140.
Late Pay Penalty
8x daily rate - up to 30 days
Oregon imposes penalty wages of 8 times the employee's regular daily rate of pay for each day final wages remain unpaid, up to 30 days maximum. For a worker earning $75,000/year ($288.46/day), the maximum penalty is $288.46 x 8 x 30 = $69,230. This is the strictest late-pay penalty system in the US. Source: Oregon BOLI; ORS 652.150.
Pay Stubs - Required by Law
Itemized statement mandatory
Oregon employers must provide an itemized pay stub showing all wages earned and all deductions made. As of January 1, 2026, employers must also notify new hires about earnings and deductions. Failure to provide an accurate stub can be a labor violation. Source: Oregon GNSA payroll guide 2026.
Overtime
1.5x after 40 hrs/week (federal FLSA)
Oregon follows federal FLSA overtime rules: non-exempt workers earn 1.5x regular rate for hours over 40 per workweek. Oregon does not have additional daily overtime requirements. The 2026 OBBBA overtime premium deduction (up to $12,500 federal) applies to your federal return but Oregon taxes overtime income normally. Claim the federal deduction via W-4 Step 4(b).
Paid Leave Oregon
Up to 12 weeks paid leave
Oregon's Paid Leave Oregon program funds up to 12 weeks of paid family, medical, and safe leave. Employees contribute a percentage of wages (employer and employee share; businesses with 25+ employees share the contribution). The employee deduction appears on your pay stub as "PLO" or "Paid Leave OR." Source: paidleave.oregon.gov.
Statewide Transit Tax (STT)
0.1% of all wages
The Oregon Statewide Transit Tax is 0.1% of gross wages withheld from every Oregon employee and remitted to the Oregon Department of Revenue quarterly. It funds statewide public transportation. It applies to all wages with no cap. At $75,000, that's $75/year ($2.88/check biweekly). Source: Oregon Department of Revenue.
Oregon Kicker Credit
State surplus rebate - unique to Oregon
Oregon is the only state with a constitutional "kicker" requirement: if state revenue exceeds the forecast by more than 2%, Oregon must return the surplus to taxpayers as a credit on their tax return. The kicker is calculated as a percentage of your prior-year Oregon income tax liability. Source: Oregon DOR; Oregon Constitution, Article IX, Section 2.
Sources: Oregon Bureau of Labor & Industries (BOLI); ORS 652.140, 652.150; Oregon DOR 2026 Withholding Formulas; Oregon Paid Leave program; Oregon GNSA Administration Guide 2026.
Portland-Area Workers: Additional Local Taxes That Hit Your Paycheck
If you live or work in the Portland metro area, two additional local income taxes apply that push the combined marginal rate above 13% for high earners - among the highest in the US. These are separate from Oregon state tax and do not appear on all calculators.
Metro Supportive Housing Services (SHS)
1% on taxable income over $125,000
Applies to individuals with Metro taxable income above $125,000 (single) or $200,000 (MFJ). Withheld by employers for employees who request it; otherwise, filed and paid directly to Metro. Funds services for people experiencing or at risk of homelessness. The combined rate with Oregon state tax at 9.9% = 10.9% marginal rate for Portland-area high earners. Source: Metro Oregon.
Multnomah County Preschool for All (PFA)
1.5% on taxable income over $125,000 (single)
Applies to Multnomah County residents with income over $125,000 (single) or $200,000 (MFJ). An additional 1.5% rate applies above $250,000 (single). Workers earning $150,000 in Portland (Multnomah County) face combined marginal rates of: 9.9% OR + 1.5% PFA + 1% SHS = 12.4% state+local. Source: Multnomah County.
W-4 Tips for Oregon Workers - Maximize Your Take-Home
| Action | What it does | Impact |
|---|---|---|
| W-4 Step 3 - Child Tax Credit | Enter $2,200 per qualifying child under 17 (OBBBA 2026 increased from $2,000). Reduces federal withholding. | +$84.62/check per child |
| Traditional 401(k) | Reduces federal AND Oregon taxable income. At 22% federal + 8.75% OR marginal = 30.75% combined savings per dollar. | 30.75 cents saved per $1 |
| HSA contributions | Oregon recognizes HSA pre-tax treatment - unlike California. Reduces both income tax AND FICA. | ~$1,300 savings at max |
| W-4 Step 4(b) - OBBBA Overtime | Up to $12,500 overtime premium is deductible federally. Claim in W-4 4(b) to reduce federal withholding now. Oregon taxes overtime normally. | Federal only - up to $2,750 |
| Oregon federal income tax deduction | Oregon automatically deducts up to $6,100 of federal tax paid from Oregon taxable income in the withholding formula. Your employer handles this - no action needed. | ~$533 OR tax saved |
Oregon does not require a separate state withholding form (unlike Georgia's G-4 or California's DE-4). Oregon employers use the federal W-4 as the basis for state withholding calculations.
Related Paycheck Tools & Guides
Frequently Asked Questions - Oregon Taxes
What is the Oregon income tax rate for 2026?
How much is taken out of a paycheck in Oregon?
What is the Oregon minimum wage in 2026?
When is a final paycheck due in Oregon?
What is the Oregon Statewide Transit Tax?
Does Oregon have a tax on tips or overtime in 2026?
Sources
Disclaimer: PaycheckSense provides estimates for informational purposes only based on 2026 federal and state tax data. Actual withholding may vary based on your W-4 elections, pre-tax deductions (401k, HSA, FSA), local/city taxes, and other factors. This is not tax advice. Consult a qualified tax professional for personalized guidance.
Compare to Other States
2026 Standard Deduction