Oregon Take-Home Pay Calculator 2026
Quick Answer: In 2026, Oregon has a progressive income tax from 4.75% to 9.90%. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $55,529, while married joint filers take home about $59,132. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Oregon?
Oregon levies a progressive income tax from 4.75% to 9.90% on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 74.0% of their gross paycheck, leaving $55,529 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Oregon Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Oregon has a progressive income tax from 4.75% to 9.90% on personal wages. Standard deductions for 2026 are set at $2 910 for single W-2 filers and $5 820 for married joint filers, which reduce taxable income before tax brackets apply.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Are the Oregon Progressive Tax Brackets?
| Bracket Rate | Single Taxable Range |
|---|---|
| 4.75% | $0 to $4,550 |
| 6.75% | $4,550 to $11,400 |
| 8.75% | $11,400 to $125,000 |
| 9.90% | Over $125,000 |
What Do You Keep: Paycheck Breakdown in Oregon?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $3,801 | $3,825 | $38,504 | 23.0% |
| $75,000 | $7,670 | $5,989 | $5,738 | $55,529 | 26.0% |
| $100,000 | $13,170 | $8,176 | $7,650 | $70,904 | 29.1% |
| $150,000 | $24,734 | $12,805 | $11,475 | $100,836 | 32.8% |
- Federal tax$13,17013%
- Oregon tax$8,1768%
- FICA$7,6508%
- OR Transit Tax$1000%
- Take-home$70,90471%
- Gross$100,000
What Oregon-specific taxes affect your paycheck?
Oregon has a progressive state income tax with 2026 rates running from 4.75% to 9.9%, and the state uses its own withholding form, Form OR-W-4, because the federal W-4 cannot be used for Oregon allowances. Oregon does not tax Social Security benefits.
Local and transit taxes
It is incorrect to say Oregon has no local taxes. Several Portland-metro and transit levies hit paychecks:
- TriMet transit payroll tax of about 0.82% in the Portland metro area, plus a 0.1% statewide transit tax withheld from all Oregon wages.
- Lane County LTD transit tax of about 0.80%.
- Metro Supportive Housing Services tax: 1% on income above $125,000 single or $200,000 married filing jointly.
- Multnomah County Preschool For All tax: 1.5% above $125,000 and 3% above $250,000 (single).
Payroll and wage-base items
Paid Leave Oregon applies a 1% contribution split between employer and employee, funding up to 12 weeks of leave. The Workers' Benefit Fund is assessed at 1.8 cents per hour worked for 2026, shared roughly half by the employee and half by the employer. The state unemployment (SUI/SUTA) taxable wage base is $56,700 for 2026, with a new-employer rate of 2.4%; experienced employers pay an experience-rated amount based on their claims history.
Cost-of-living context
Oregon's minimum wage is tiered, currently about $16.30 in the Portland metro, $15.05 standard, and $14.05 in non-urban counties, with the next increase effective July 1, 2026. Median household income is roughly $83,000, useful context for how far take-home pay stretches.
How Do You Calculate Your Oregon Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Oregon.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Oregon?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Oregon Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: