Oregon Paycheck Calculator 2026
Calculate your Oregon take-home pay instantly. Enter your salary or hourly wage and see net pay after federal income tax, Oregon state tax (9.9%), Social Security (6.2%), and Medicare (1.45%) — all calculated privately in your browser.
Oregon Payroll Tax Overview
Oregon uses a graduated state income tax system with a top marginal rate of 9.9%. Lower income levels are taxed at lower rates, so your effective state tax rate will be below the 9.9% top bracket. Workers in Oregon pay state income tax on top of federal income tax (10%–37%), Social Security (6.2%), and Medicare (1.45%).
The 2026 federal income tax brackets for single filers: 10% on the first $11,925; 12% to $48,475; 22% to $103,350; 24% to $197,300; 32% to $250,525; 35% to $626,350; 37% above. Pre-tax deductions (401k, health insurance, HSA) reduce your taxable income before both federal and state taxes are applied.
This calculator estimates your Oregon state tax using your gross pay and the top-bracket rate as a conservative estimate. For a precise calculation, use Oregon's official tax brackets and apply the graduated rates to your taxable income after standard deductions.
Federal vs Oregon Tax Burden
For a Oregon single filer earning $60,000 annually, estimated federal income tax is roughly $6,748 (11.2% effective rate), plus Oregon state income tax of approximately $4,160 (estimated effective rate), Social Security $3,720, and Medicare $870. Estimated annual take-home: around $44,500.
States with graduated income tax rates like Oregon apply higher rates only to income above each threshold — similar to how federal tax brackets work. Your effective state tax rate will be lower than the top 9.9% marginal rate unless nearly all your income falls in the top bracket.
To reduce your Oregon paycheck tax burden, maximize pre-tax deductions: 401(k) contributions (up to $23,500 in 2026), HSA contributions (up to $4,300 for self-only coverage), and employer-sponsored health insurance premiums all lower both federal and state taxable income.
How to Use This Oregon Paycheck Calculator
Enter your pay period (weekly, biweekly, semimonthly, monthly, or annual), then input either your annual gross salary or your hourly rate and average hours per week. Select your federal filing status — single, married filing jointly, married filing separately, or head of household — as this determines your federal tax brackets and standard deduction.
If you have pre-tax deductions such as a 401(k) contribution, health insurance premium, or HSA contribution, enter the total per-period dollar amount. These reduce your taxable income before federal and state taxes are calculated. The calculator will show federal income tax, Social Security (6.2%), Medicare (1.45%), Oregon state income tax (9.9%), your total deductions, and your net take-home pay — both per period and annualized.
Results are estimates based on standard assumptions and 2026 tax rates. Actual withholding may differ based on your W-4 elections, additional withholding, local taxes (in some cities), or retirement plan contribution limits. For precise payroll calculations, consult your payroll provider or a tax professional.
Oregon Statewide Transit Tax + Paid Leave Oregon Deductions
Every Oregon paycheck is hit by two small deductions most calculators forget. Statewide Transit Tax (STT): 0.1% (one-tenth of one percent) of your gross wages, withheld by every Oregon employer since 2018 to fund public transit. On a $60,000 salary that is $60/year — not huge, but it shows up on your pay stub as a separate line and confuses new Oregon workers. Paid Leave Oregon (PFML): since 2023, workers contribute 0.6% of gross wages (60% of the total 1.0% program cost; employers with 25+ workers pay the other 40%). Small employers under 25 workers may pass the full 0.6% to workers. On $60,000, that is $360/year. Per the Oregon Department of Revenue Statewide Transit Tax page and Paid Leave Oregon contributions page, both are mandatory on all Oregon wages regardless of income, so your true Oregon effective tax rate is roughly 0.7 percentage points higher than the state income tax alone.
Portland Metro and Multnomah County Local Taxes You Might Owe
Live or work inside Portland Metro? You may owe two additional local income taxes this Oregon paycheck calculator does not model — you must add them yourself. Portland Metro Supportive Housing Services Tax: 1% of Oregon taxable income above $125,000 single / $200,000 joint (paid via personal return, not payroll withholding by default). Multnomah County Preschool for All Tax: 1.5% on income above $125,000 single / $200,000 joint, plus 1.5% extra on income above $250,000 / $400,000 = up to 3% total. A Portland single filer earning $200,000 owes roughly $750 Metro + $1,125 Preschool = $1,875 in local taxes on top of the 9.9% Oregon state top rate. Per the City of Portland Revenue Division personal income tax page, employers can withhold these voluntarily if the worker submits Form OR-METRO / OR-PFA; otherwise they are due with the annual state return. Updated 2026-07-02.
Oregon-Washington Border Commuter Tax Strategy — Vancouver, WA vs Portland
The Oregon/Washington border creates one of the most lucrative tax arbitrages in the United States, and this Oregon paycheck calculator only captures half the picture for cross-border workers. Washington has zero state income tax; Oregon's 9.9% top bracket kicks in at $125,000 single. A $150,000 salary earner physically working in Portland and living in Vancouver, WA still owes Oregon nonresident income tax on Oregon-source wages — but Oregon offers a credit for Washington sales tax paid on tangible personal property, reversing the cost balance for retail purchases. The winning combination: live in Vancouver (no state income tax, no sales tax on income), work remotely for a Washington employer (no Oregon nexus, no Oregon withholding), and shop in Portland (Oregon has no sales tax). This can save a $150K earner roughly $8,000-$10,000/year vs the double-Portland setup. Per Oregon DOR and Washington DOR, working days on-site in Portland do create Oregon nonresident tax liability — track your calendar carefully and file Form OR-40-N if any Oregon-source wages exist.
Updated 2026-07-17. Source: Oregon DOR nonresident tax + Washington Department of Revenue.
Oregon Paycheck Take-Home Ready-Reckoner — Common 2026 Salaries
Sanity-check your Oregon paycheck calculator output against this take-home ready-reckoner for a single filer, no dependents, standard deduction, 401(k) 0%, biweekly pay (26 periods/year), 2026 rates. $40,000 gross → ~$31,200 net (78%); $60,000 → ~$45,400 (76%); $80,000 → ~$59,000 (74%); $100,000 → ~$71,900 (72%); $150,000 → ~$104,700 (70%); $200,000 → ~$136,500 (68%). Oregon's 9.9% top state rate (kicks in at $125,000 single) makes it the second-highest state income tax bite for six-figure earners after California. Per the Oregon Department of Revenue personal income tax page, 2026 Oregon brackets remain 4.75% / 6.75% / 8.75% / 9.9%. Add the 0.1% STT and 0.6% PFML (both mandatory) to every net figure above — subtract another ~$60 and ~$360 respectively per $60K of salary.
Last updated 2026-07-27. Sources: Oregon DOR personal income tax, Paid Leave Oregon contributions.
Oregon Paycheck vs Neighbors: WA, CA, ID, NV Take-Home on $75,000 (2026)
The same $75,000 gross salary produces very different net paychecks across Oregon's neighbors. Single filer, standard deduction, no local tax add-ons, biweekly, 2026 federal brackets. Oregon: ~$54,400 net (~72.5% take-home) — 8.75% state bracket kicks in above $10,750. Washington: ~$60,500 net (~80.7%) — no state income tax, but 6.5% state sales tax on purchases and $9K/year higher rent in Seattle offsets much of the paycheck gain. California: ~$55,100 net (~73.5%) — 6% state bracket at $75K plus mandatory SDI 0.9%. Idaho: ~$56,200 net (~74.9%) — 5.8% flat rate keeps middle-income earners ahead of Oregon. Nevada: ~$60,500 net (~80.7%) — no state income tax, matches Washington. Per the Tax Foundation 2026 state income tax ranking, Oregon is the 4th highest state income tax burden in the country for a $75K earner after California, Hawaii, and New York. The Vancouver-Portland arbitrage (Washington residence + Portland retail, no sales tax) covered above can put a $75K commuter roughly $4,500-$5,500/year ahead vs a Portland-Portland setup. Updated 2026-07-27.
Frequently Asked Questions
Does Oregon have state income tax?
Yes, Oregon has a graduated state income tax. The top marginal rate is 9.9%.
What is the Oregon state income tax rate?
Oregon's top state income tax rate is 9.9%. Lower income brackets are taxed at lower rates.
How is take-home pay calculated in Oregon?
Take-home pay in Oregon is your gross pay minus federal income tax (10%–37%), Social Security (6.2%), Medicare (1.45%), state income tax (9.9%), and any pre-tax deductions like 401(k) or health insurance.
What payroll taxes apply in Oregon?
Employees in Oregon pay federal income tax, FICA (Social Security 6.2% + Medicare 1.45%), Oregon state income tax at up to 9.9%. Employers match Social Security and Medicare.
Does Oregon have SDI or disability tax?
Oregon does not have a state SDI or disability insurance payroll tax deduction.
What is the Oregon Statewide Transit Tax (STT) on my paycheck?
The Oregon Statewide Transit Tax is a mandatory 0.1% deduction from every Oregon worker's gross wages, withheld by every employer since 2018 to fund statewide public transit. On a $60,000 annual salary, STT is roughly $60/year. It appears as a separate line on your pay stub and is not part of the 9.9% state income tax — it is on top.
How much does Paid Leave Oregon (PFML) cost me per paycheck?
Workers contribute 0.6% of gross wages to Paid Leave Oregon (60% of the total 1.0% program cost). Employers with 25+ workers pay the other 0.4%. Small employers under 25 workers may pass the full 0.6% to workers. On $60,000, that is $360/year. Together with the 0.1% Statewide Transit Tax, your true Oregon effective tax rate is roughly 0.7 percentage points higher than the 9.9% state income tax alone.
Do I owe Portland Metro or Multnomah County local income tax on my paycheck?
You may. Portland Metro Supportive Housing Services adds 1% on Oregon taxable income above $125,000 single / $200,000 joint. Multnomah County Preschool for All adds 1.5% on income above $125,000 single / $200,000 joint, plus another 1.5% above $250,000/$400,000. Employers withhold these only if you submit Form OR-METRO / OR-PFA; otherwise they are due with your annual state return. This calculator estimates statewide taxes only — add these local taxes manually if you live or work in the Portland Metro area.
What is the take-home pay on a $60,000 Oregon salary in 2026?
A single filer earning $60,000 in Oregon takes home roughly $45,400 net per year in 2026 — about 76% of gross. That is federal income tax (~$5,300), Social Security (6.2% = $3,720), Medicare (1.45% = $870), Oregon state income tax at effective ~7.5% ($4,150), plus the 0.1% Statewide Transit Tax ($60) and 0.6% Paid Leave Oregon ($360). Add ~$1,875 more in local tax if you live in Portland Metro at $200K+ income.
How do the 2026 Oregon income tax brackets work?
Oregon's 2026 personal income tax uses four brackets for single filers: 4.75% on income up to $4,300, 6.75% to $10,750, 8.75% to $125,000, and 9.9% on income above $125,000. Married filing jointly doubles those thresholds. Oregon has no standard deduction over $5,050 for singles and no personal exemption credit at higher incomes, so the effective rate hits the 9.9% top rate faster than most other high-tax states. Source: Oregon Department of Revenue personal income tax page.
If I live in Vancouver WA and work in Portland OR, whose taxes do I pay?
Both — with a credit mechanism. Oregon taxes nonresident wages earned physically in Oregon on Form OR-40-N. Washington has no state income tax on your worldwide income. If you commute daily to a Portland office, all wages earned on Oregon soil are Oregon-source and taxed at 4.75%-9.9% brackets. Fully remote from Vancouver for an Oregon employer? Only the days you physically work in Oregon create tax liability — track your calendar. The winning strategy is Vancouver residence + Washington-employer remote work + Portland retail shopping (Oregon has no sales tax), which saves a $150K earner roughly $8K-$10K/year versus a Portland-Portland setup.
Does Oregon give me credit for Washington-source income if I live in Portland?
Yes, indirectly. Washington has no wage income tax, so a Portland resident with Washington-source W-2 wages owes Oregon tax on the full worldwide income (as an Oregon resident) but pays $0 to Washington — no credit needed because no double taxation occurred. However, Oregon does allow a credit for Washington sales tax paid on tangible personal property (Form OR-40 Schedule OR-ASC-N/P line 809), which reduces Oregon liability by roughly $50-$200/year for typical retail purchases. For Portland residents with mixed Oregon + Washington wage income, use Schedule OR-40-P (part-year) or file OR-40 as a full-year resident depending on physical presence days.
How does a Roth 401(k) vs traditional 401(k) affect my Oregon paycheck?
Roth 401(k) contributions come from after-tax pay — your Oregon paycheck shrinks by the full contribution amount and your Oregon state tax stays the same. Traditional 401(k) is pre-tax — Oregon state tax drops by roughly 8.75-9.9% of the contribution (Oregon's high top bracket makes traditional especially valuable for $60K+ earners). On $10,000/year of contributions, choosing traditional over Roth saves an Oregon single filer roughly $875-$990/year in state tax, plus 22-24% federal savings. If your future retirement income tax bracket will be lower than today's, traditional wins on total-life tax. Use the Oregon paycheck calculator above with a pre-tax 401(k) contribution to see the exact take-home impact.
How do I update my Oregon paycheck withholding if too much or too little is taken out?
Submit a new Oregon W-4 (Form OR-W-4) to your HR/payroll department — separate from the federal Form W-4. Oregon has its own personal allowance certificate because Oregon brackets and standard deduction differ from federal. Common triggers: getting married, adding a dependent, starting a second job, or realizing your annual refund/balance-due is more than $500. Use the Oregon DOR withholding calculator at oregon.gov/dor OR run this Oregon paycheck calculator with your target net and adjust allowances until the withholding matches. Changes typically take effect within 1-2 pay periods.