Oregon Paycheck Calculator 2026

How this calculator works

Oregon does not tax your whole paycheck at a flat percentage, and it does not start from the federal standard deduction. The Department of Revenue’s withholding formula tells the employer to figure a base: your wages for the year, minus the federal income tax withheld from them (up to $8,750), minus a $2,910 standard deduction ($5,820 for a married filer). Oregon’s four rates are applied to that base, and then $263 is taken off for each allowance claimed on Form OR-W-4, the state’s own withholding certificate. Employers divide the yearly amount by the number of pay periods.

The calculator applies these deductions, in this order:

• Federal income tax. Your gross pay minus the federal standard deduction for your filing status, run through the 2026 federal brackets.
• Social Security at 6.2% of gross wages, up to the 2026 wage base of $184,500.
• Medicare at 1.45% of all wages, with no cap, plus the 0.9% Additional Medicare Tax on wages above $200,000.
• Oregon income tax: your wages after any 401(k) contribution, minus the federal tax above (up to $8,750) and the Oregon standard deduction, taxed at 4.75% to 9.9%, minus $263 per allowance.
• Oregon payroll deductions: the statewide transit tax at 0.1%, Paid Leave Oregon at 0.6% up to $184,500 of wages, and the Workers’ Benefit Fund at 0.9 cent per hour worked.

Rates come from the agencies that set them: the IRS for the federal brackets, the standard deduction and FICA, cross-checked against the Social Security Administration for the wage base; and, for Oregon, the Department of Revenue’s 2026 Oregon Withholding Tax Formulas, Withholding Tax Tables and Form OR-W-4 instructions, the Employment Department and Paid Leave Oregon, the Department of Consumer and Business Services, and the local governments that run the Portland-area taxes. Our full sourcing is on the methodology page.

Where Oregon’s own booklet disagrees with itself. Below $50,000 of yearly wages, the formulas booklet prints a formula that adds $263 to the tax. The booklet’s own printed wage-bracket tables do not add it, and neither does its formula for wages of $50,000 and up. We follow the tables and the higher-pay formula, which agree with each other: for pay under about $50,000 a year, the Oregon formula we use reproduces every single-filer cell we compared in the printed tables to within a dollar a month when it is given the same federal withholding the tables assume. The tables appear to assume an older federal W-4, so this calculator can differ from them by a few dollars a month. If your employer uses the formula as printed for lower pay, it will withhold up to $263 a year more than this page shows. The booklet also mentions an $8,500 limit on the federal tax subtraction in its text, which was the 2025 limit; its 2026 formulas say $8,750, and so do we. The difference only matters above about $78,800 of pay.

Withholding is an estimate, not your final bill. The figure here is what an employer takes from each check using the Department of Revenue’s method. Your actual Oregon income tax is figured on your return, so what you owe or get back when you file can differ.

What the calculator deliberately leaves out: a different number of allowances than the one it assumes, dependents, multiple jobs, additional withholding, the 8% rate used when no form is on file, bonuses and other one-time payments, local income taxes, and health insurance premiums and other employer benefit deductions.

Oregon’s four rates and the base they apply to

These are the rates and thresholds in the Department of Revenue’s 2026 withholding formulas. They apply to the base described above, not to your pay. For a single filer on $75,000, that base is $75,000 − $7,670.00 of federal tax − $2,910 = $64,420, which lands in the 8.75% band.

How much federal tax Oregon lets you subtract

The limit depends on your wages, not on the tax itself. It is $8,750 for most workers, then falls in five steps for high earners: one step for every $5,000 of wages for single filers and every $10,000 for married filers. These are the 2026 figures from the withholding formulas.

Oregon hourly paycheck: what your rate is worth after tax

Why we ask for your hours instead of assuming 2,080

Many hourly calculators multiply your rate by 2,080 and call it a year. That is 40 hours a week for 52 weeks, which describes a full-time schedule, not every hourly job. If you work 32 hours a week, or 45 with overtime, the assumed figure is wrong before any tax is applied. The calculator above asks for your hours and uses them. One Oregon deduction depends on hours rather than pay: the Workers’ Benefit Fund. We figure it for a full-time year of 2,080 hours, which comes to $18.72, so the calculator shows that amount even if you enter fewer hours. At 20 hours a week the real amount would be about half.

What is $20 an hour after taxes in Oregon?

At 40 hours a week, $20 an hour is $41,600 a year gross. After federal tax, Social Security, Medicare, Oregon income tax withholding and Oregon’s three payroll deductions, that leaves about $32,739 a year, or $2,728.24 a month. Your real hourly rate — what an hour of work actually puts in your bank account — is $15.74. Oregon’s share is $2,556.83 of income tax withholding plus $309.92 of payroll deductions for the year.

What are $25 and $30 an hour after taxes in Oregon?

$25 an hour is $52,000 gross and about $40,222 after tax, a real rate of $19.34. $30 an hour is $62,400 gross and about $47,704 after tax, a real rate of $22.93. Oregon income tax withholding is $3,357.63 a year at $25 an hour, and $4,158.42 at $30.

Overtime and bonuses

The calculator multiplies your rate by the hours you enter and adds no overtime premium, and it does not model bonuses. The Department of Revenue says employers may withhold a flat 8% on bonuses, overtime and commissions paid at a different time from your regular pay. If you work variable hours, enter the average number of hours you expect to work each week.

Oregon take-home pay by hourly rate

Single filer with one allowance, 40 hours a week (2,080 hours a year), 2026 rates.

What this calculator does not cover

This tool models federal income tax, Social Security, Medicare and the payroll programs your state actually runs — nothing more. It deliberately leaves out:

• Itemized deductions and federal tax credits — the Child Tax Credit, the Earned Income Tax Credit, education credits. The engine always applies the standard deduction; there is no itemizing path.
• A second job, self-employment income or 1099 pay. Every dollar you enter is treated as one employer’s W-2 wages, taxed at the employee share of Social Security and Medicare — not the self-employment tax a 1099 worker actually owes.
• Pre-tax benefits other than the 401(k) field — health insurance premiums, an HSA or FSA, commuter benefits. The only amount taken out before tax is the percentage you enter for a 401(k).
• Local taxes — city income tax, county tax, or a school-district tax. In Oregon the ones to know are the Portland-area Metro housing tax and Multnomah County’s Preschool for All tax, which an employer withholds automatically only above $200,000 of pay or when you ask it to, and the TriMet and Lane transit taxes, which your employer pays rather than you. This calculator adds none of them, with two exceptions elsewhere on the site: the Indiana and Maryland calculators add the local income tax for the county you choose.
• Overtime premiums. An hourly rate is multiplied by the hours you enter; it does not add a time-and-a-half rate for hours worked past 40 in a week.
• Wage garnishments or court-ordered deductions — child support, a wage levy. Your result assumes none exist.
• The Additional Medicare Tax, at the single-filer threshold. The 0.9% surtax above $200,000 is applied at that one figure for every filing status, the way an employer actually withholds it — not the higher threshold a married couple filing jointly may end up owing at tax return time.
• Married filing separately, or a qualifying surviving spouse. The calculator only offers single, married filing jointly, and head of household.

None of these are in the estimate. Some of them change what you owe or get back when you file, and a calculator cannot ask for everything they depend on. See why your pay stub will differ for the details.

Key facts that affect your take-home pay in Oregon

Your federal income tax lowers your Oregon wages

This is the feature that makes Oregon different. Employers subtract the federal income tax withheld from your pay, up to $8,750, before applying Oregon’s rates. A single filer on $75,000 has $7,670.00 of federal withholding, so the Oregon base is $64,420 rather than $72,090. Federal tax does not include Social Security or Medicare. A single filer’s federal withholding hits the $8,750 limit at about $79,910 of wages, and a married filer’s at about $109,250; above that the subtraction stays at the limit until the limit itself starts to fall at higher pay.

The subtraction disappears for high earners

For a single filer the limit starts falling at $125,000 of wages and is zero at $145,000. For married filers it runs from $250,000 to $290,000. The drop is abrupt: the dollar that takes pay from $124,999 to $125,000 raises Oregon withholding by $153.21, because the limit falls by $1,750 at that exact point. A single filer on $145,000 gets no subtraction at all and has $12,309.91 withheld by Oregon.

A standard deduction of $2,910, not $16,100

Oregon’s standard deduction is $2,910 for a single filer and $5,820 for a married one. The federal $16,100 standard deduction plays no part. That small deduction is why the federal tax subtraction matters so much: it is the main thing that shrinks the base. For most workers the top rate is out of reach. A single filer pays 9.9% only on the part of the base above $125,000, and a married filer on the part above $250,000.

Allowances are credits, and they stop at $100,000

On Form OR-W-4 you claim allowances, and each one is a $263 credit taken off the tax after it is figured, unlike a deduction, which shrinks the base. The calculator gives a single filer or head of household one allowance and a married filer two, which cuts $263.00 and $526.00 from the yearly tax. The formula ignores allowances completely when wages are above $100,000 for a single filer or $200,000 for a married one. One dollar of pay above $100,000 removes the $263.00 credit, so state withholding on $100,001 is $263.09 higher than on $100,000.

Three small payroll deductions

The statewide transit tax is 0.1% of wages with no cap in the Department of Revenue’s description, $75.00 on $75,000. Paid Leave Oregon is 0.6% of wages up to $184,500: the program’s total rate is 1% and employees pay 60% of it, so the most anyone pays is $1,107.00 a year. The Workers’ Benefit Fund assessment is 1.8 cents for every hour worked in 2026, split between employer and worker, so your share is 0.9 cent an hour, or $18.72 for 2,080 hours. State law (ORS 656.506) requires employers to withhold that share from your pay.

The transit tax rate may change

Two state agencies describe a pending change to the statewide transit tax rate a little differently. The Department of Revenue says Measure 120 did not pass in the May 19, 2026 primary election. The Employment Department’s page says the increase has been delayed pending a vote in November 2026. Both tell employers to keep withholding one-tenth of 1 percent, and we use 0.1%. If your pay stub shows a different rate, the stub is right.

Local taxes are mostly not on your paycheck

Oregon’s local taxes are easy to confuse. The Metro supportive housing tax and Multnomah County’s Preschool for All tax are personal income taxes on high incomes; employers withhold them automatically only above $200,000 of pay or when an employee asks. TriMet and Lane County transit taxes are paid by the employer, and TriMet’s rate is 0.8237% of wages. For most paychecks, nothing local is withheld.

Your 401(k) lowers your Oregon wages

The formulas booklet says retirement plan contributions are not part of the wages in the formula. The federal tax on this page treats a traditional 401(k) contribution as reducing taxable pay, and so does the Oregon calculation here. On $75,000 with 6% going in, Oregon income tax withholding falls by $307.13 a year. Enter 0 if your contribution is a Roth. We calculate the transit tax and Paid Leave on your full pay. For the transit tax this is a modeling choice, because its law defines wages by reference to another statute that we did not read.

Social Security stops, Medicare does not

Social Security is withheld at 6.2% until your wages reach $184,500 in 2026, then stops for the rest of the year. Medicare has no ceiling at all: 1.45% on every dollar, plus an extra 0.9% on wages above $200,000. On $250,000, Social Security and Medicare take $15,514.00 in total.

Common mistakes

Forgetting to subtract federal tax

Applying Oregon’s rates to pay minus the $2,910 deduction alone overstates Oregon withholding by $671.13 on $75,000: $5,725.38 instead of $5,054.25.

Treating an allowance as a deduction

Each allowance takes $263 off the tax. It does not remove $263 from your wages, which would be worth only about $23.01 at the 8.75% rate.

Counting on allowances above $100,000

A single filer earning more than $100,000 gets no allowances in the formula, however many are on Form OR-W-4. The form’s instructions say to claim them on a job that pays less than the limit, or on a spouse’s job.

Expecting Portland or Multnomah County tax on every check

Those taxes are withheld automatically only above $200,000 of pay, or if you ask your employer to. TriMet’s payroll tax is paid by your employer, not you.

Assuming the printed formula and the printed table agree

Below $50,000 of yearly wages the booklet’s two methods differ by $263 a year. If your employer’s payroll software and a state table give different numbers, that may be the reason, and it is not a mistake on your part.

Expecting the calculator to match the pay stub to the dollar

It will not, and no calculator can. Health insurance premiums and other pre-tax benefit deductions come out before tax and are not modeled here, and the allowances on your Form OR-W-4 may differ from the ones we assume. Read why your pay stub will differ for the rest.

Example calculation

Amounts are shown to the cent, so adding the rounded lines can differ from the total by a cent.

A single filer earning $75,000 in Oregon in 2026, claiming one allowance, with no retirement contribution:

• Federal taxable income: $75,000 − federal standard deduction of $16,100 = $58,900
• Federal income tax: $7,670.00
• Social Security: $75,000 × 6.2% = $4,650.00
• Medicare: $75,000 × 1.45% = $1,087.50
• Federal tax subtracted for Oregon: $7,670.00 (under the $8,750 limit)
• Oregon base: $75,000 − $7,670.00 − $2,910 standard deduction = $64,420
• Tax on the base: $678 + ($64,420 − $11,400) × 8.75% = $5,317.25
• Allowance credit: 1 × $263, which leaves Oregon income tax withholding of $5,054.25 a year, $421.19 on a monthly paycheck or $194.39 on a biweekly one
• Statewide transit tax: $75,000 × 0.1% = $75.00
• Paid Leave Oregon: $75,000 × 0.6% = $450.00
• Workers’ Benefit Fund: 2,080 hours × $0.009 = $18.72
• Total withheld: $19,005.47
• Take-home pay: $55,994.53 a year, or $4,666.21 a month
• Effective tax rate: 25.3%

Frequently asked questions

Compare with other states

The same $75,000 salary, single filer, 2026 rates. Oregon borders California, Idaho, Nevada and Washington; Idaho, Nevada and Washington are the three we publish so far. For Oregon, the state-level deductions include income tax withholding for one allowance plus the three payroll deductions.

A Washington worker keeps $4,557.60 more than an Oregon worker on the same salary, because Washington has no tax on wages, though it does take Paid Family and Medical Leave and WA Cares premiums. A Nevada worker keeps $5,597.97 more, and an Idaho worker keeps $2,476.27 more. A worker who lives in one of those states and commutes into Oregon is a different case that this calculator does not model: it assumes an Oregon resident working in Oregon.

Sources

Every figure on this page is read from an official document and dated, not taken from another calculator — the federal ones from the IRS and the Social Security Administration, the Oregon ones from the state’s own documents below. Each one carries the date we last checked that it still answers. If one of our numbers disagrees with one of theirs, they are right and we have a defect to fix — tell us.

The documents these figures are read from

• Oregon Department of Revenue — Oregon Withholding Tax Formulas, effective January 1, 2026 (PDF) — the withholding formula: wages minus the federal tax withheld (capped, and phased out as pay rises) minus the standard deduction, the 4.75% to 9.9% rates, and the $263 credit for each allowance.
• Oregon Department of Revenue — Oregon Withholding Tax Tables, effective January 1, 2026 (PDF) — the printed wage-bracket tables that this page’s formula is checked against for pay below about $51,000 a year.
• Oregon Department of Revenue — 2026 Form OR-W-4 Instructions (PDF) — the allowances: one for yourself, one for a spouse on a joint return, the income limits above which the formula ignores them, and the 8% rate used when no form is filed.
• Oregon Department of Revenue — Statewide Transit Tax — the 0.1% employee tax withheld from wages, and the instruction to keep withholding at that rate after Measure 120 did not pass.
• Oregon Employment Department — Current Tax and Contribution Rates — the 2026 Paid Leave Oregon contribution rate of 1% of wages up to $184,500, and the unemployment insurance rates, which are rates for employers.
• Oregon Employment Department — Payroll Taxes, Contributions — the notice that the State Transit Tax increase has been delayed pending a vote by Oregon voters in November 2026, and the instruction to keep withholding 0.1%.
• Paid Leave Oregon — Common questions — the rule that employees pay 60% of the contribution rate, and the 2026 maximum wage of $184,500.
• Oregon Department of Consumer and Business Services — Workers’ Benefit Fund assessment — the 2026 assessment of 1.8 cents per hour worked.
• Oregon Workers’ Compensation Division — Director’s testimony on the 2026 Workers’ Benefit Fund assessment (PDF) — the statement that employers and workers each pay half of the assessment.
• City of Portland Revenue Division — Personal taxes, payroll withholding requirements — the rule that Metro’s housing tax is withheld automatically only for employees earning more than $200,000 or who opt in, and the same for Multnomah County’s Preschool for All tax.
• Multnomah County — Preschool For All Personal Income Tax — the 1.5% and 3% rates, and the instruction that employers withhold automatically only for employees making over $200,000.
• TriMet — Payroll and self-employment tax information — the 0.8237% transit tax, which the employer pays.
• Oregon Department of Revenue — Lane County Transit District payroll tax — the statement that the Lane transit tax is imposed directly on the employer.
• IRS — 2026 inflation adjustments (Rev. Proc. 2025-32) — the federal brackets and the $16,100 standard deduction.
• IRS — Topic no. 751, Social Security and Medicare withholding rates — the 6.2% and 1.45% rates and the 0.9% Additional Medicare Tax.
• SSA — Contribution and benefit base — the $184,500 Social Security wage base.

All links checked October 6, 2026.

Related reading

• Paycheck calculators by state — the full index, including which states have no income tax at all.
• Washington paycheck calculator — the neighbor to the north, with no income tax on wages and two payroll premiums.
• Idaho paycheck calculator — the neighbor to the east, with a flat state rate.
• Nevada paycheck calculator — the neighbor to the southeast, with no state income tax.
• Methodology — the exact formula, every 2026 figure with its official source, and what these calculators deliberately do not model.
• Why your pay stub will differ — pre-tax deductions, credits and W-4 settings, and how much difference is normal.