Oregon Paycheck Calculator 2026

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 2026-07-10. Sources: Oregon DOR personal income tax, Paid Leave Oregon contributions.