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Oregon Paycheck Calculator

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Use SmartAsset's paycheck calculator to calculate your take home pay per paycheck for both salary and hourly jobs after taking into account federal, state, and local taxes.

Overview of Oregon Taxes

Oregon levies a progressive state income tax system with one of the highest top rates in the U.S., at 9.90%. Residents of the greater Portland area also have to pay a tax to help fund the TriMet transportation system. The Beaver State also has no sales taxes and below-average property taxes.

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  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

    ...read more
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Oregon Paycheck Calculator

Photo credit: ©iStock.com/© Katherine Welles

Oregon Paycheck Quick Facts

  • Oregon income tax rate: 5.00% - 9.90%
  • Median household income: $59,393 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 2

How Your Oregon Paycheck Works

Exactly how much your employer deducts from your wages for federal income taxes depends on factors like your marital status, salary and whether you have any dependents. It’s also worth noting that the IRS made major revisions to the 2020 version of the W-4. The new form doesn't let filers claim allowances anymore. It also removes the option to claim personal or dependency exemptions. The 2020 W-4 now includes a five-step process that allows you to indicate any additional income or jobs, as well as other pertinent personal information.

Don't worry, you aren't required to complete the form unless you're hired on or after Jan. 1, 2020. Additionally, those hired before 2020 only need to fill out the form if they're adjusting their withholdings or changing jobs in 2020.

Beyond federal income taxes, your employer will also withhold Social Security and Medicare taxes from each of your paychecks. Together, these two make up the FICA taxes. Social Security tax is withheld at 6.2% and Medicare tax at 1.45% of your wages. Your employer then matches those amounts, so the total contribution is double what you paid. If you earn wages in excess of $200,000, they are subject to a 0.9% Medicare surtax.

Taxpayers who are self-employed will have to pay the entire Social Security and Medicare contributions themselves. If you fall into this camp, make sure that during tax season you look into possible deductions to help recoup the money you spend on the “employer” portion of FICA taxes. For help filing your taxes and maximizing your deductions, consider working with a financial advisor who specializes in taxes.

There are a few other deductions that can impact the size of your paychecks. If you pay for any benefits from your employer, such as health or life insurance, any premiums you pay will come out of your paycheck. Contributions you make to a retirement plan, like a 401(k), or to a medical expense account, like a health savings account (HSA), will also come out of your paycheck. Also keep in mind that these accounts take pre-tax money. That’s money which your employer removes from your pay before applying taxes. So while putting money in these accounts shrinks your paycheck, it’s also lowering your taxable income (and, in the case of retirement accounts, helping secure your financial future).

Oregon Median Household Income

YearMedian Household Income
2018$59,393
2017$56,119
2016$53,270
2015$51,243
2014$51,075
2013$50,251
2012$49,161
2011$46,816
2010$46,560
2009$48,457
2008$50,169

In addition to federal taxes, Oregon taxpayers have to pay state taxes. Oregon has some of the highest tax burdens in the U.S. The state uses a four-bracket progressive state income tax, which means that higher income levels correspond to higher state income tax rates. These rates range from 5.00% to 9.90%. For 2019, that’s the third-highest top rate in the country. (It’s the second highest rate of 2018.) However, only single filers with more than $125,000 in taxable income have to pay that top rate. That amount is doubled for married people filing together and heads of the household.

Self-employed individuals who earn money in the Tri-County Metropolitan Transportation District (TriMet) may have to pay an additional transit tax of 0.7637% (0.7737% in 2020). Self-employed people who earn money in the Lane County Mass Transit District (LTD) may also have to pay an additional tax. The tax was 0.74% for 2019 and is set to increase .01% each year through 2025, when the rate will reach, and then stay at, 0.80%. So for 2020, the LTD tax rate is 0.75%.

While the state income taxes deal a heavy hit to some earners' paychecks, Oregon's tax system isn't all bad news for your wallet. One of Oregon's redeeming tax qualities is its absence of state or local sales taxes. It’s property taxes are also below average when compared to other states. For details about mortgages in the state, including rates and specifics about each county, check out our comprehensive Oregon mortgage guide.

Income Tax Brackets

Single Filers
Oregon Taxable IncomeRate
$0 - $3,5505.00%
$3,550 - $8,9007.00%
$8,900 - $125,0009.00%
$125,000+9.90%
Married, Filing Jointly
Oregon Taxable IncomeRate
$0 - $7,1005.00%
$7,100 - $17,8007.00%
$17,800 - $250,0009.00%
$250,000+9.90%
Married, Filing Separately
Oregon Taxable IncomeRate
$0 - $3,5505.00%
$3,550 - $8,9007.00%
$8,900 - $125,0009.00%
$125,000+9.90%
Head of Household
Oregon Taxable IncomeRate
$0 - $7,1005.00%
$7,100 - $17,8007.00%
$17,800 - $250,0009.00%
$250,000+9.90%

A financial advisor in Oregon can help you understand how taxes fit into your overall financial goals. Financial advisors can also help with investing and financial plans, including retirement, homeownership, insurance and more, to make sure you are preparing for the future.

How You Can Affect Your Oregon Paycheck

While taxes are a part of life, you can play a role in how much comes out of your paycheck. One thing you can do is tweak your tax withholdings by asking your employer to withhold an additional dollar amount from your paychecks.

To do this, simply file a new W-4 and write in how much extra you want withheld. For example, say you want to withhold an additional $25 each month. Write $25 on the line of the W-4 that asks how much additional withholding you want to take. While this will result in slightly less money on a per paycheck basis, it could save you money come tax time.

Another way you can alter your paycheck is to change your contributions to employer-sponsored retirement or medical expense accounts. As mentioned above, these are pre-tax contributions, so not only do they help you save for the future, they also save you money on your taxes now.

Oregon Top Income Tax Rate

YearTop Income Tax Rate
20199.90%
20189.90%
20179.90%
20169.90%
20159.90%
20149.90%
20139.90%
20129.90%
201111.00%
201011.00%
200911.00%
20089.00%
20079.00%
20069.00%

Most Paycheck Friendly Places

SmartAsset's interactive map highlights the most paycheck friendly counties across the U.S. Zoom between states and the national map to see data points for each region, or look specifically at one of the four ranking factors in our analysis: Semi-Monthly Paycheck, Purchasing Power, Unemployment Rate, and Income Growth.

Worse
Better
Rank County Semi-Monthly Paycheck Purchasing Power Unemployment Rate Income Growth

Methodology To find the most paycheck friendly places for counties across the country, we considered four factors: semi-monthly paycheck, purchasing power, unemployment rate and income growth.

First, we calculated the semi-monthly paycheck for a single individual with two personal allowances. We applied relevant deductions and exemptions before calculating income tax withholding. To better compare withholding across counties, we assumed a $50,000 annual income. We then indexed the paycheck amount for each county to reflect the counties with the lowest withholding burden, or greatest take-home pay.

We then created a purchasing power index for each county. This reflects the counties with the highest ratio of household income to cost of living. We also created an unemployment index that shows the counties with the lowest rate of unemployment. For income growth, we calculated the annual growth in median income throughout a five year period for each county and then indexed the results.

Finally, we calculated the weighted average of the indices to yield an overall paycheck friendliness score. We used a one-half weighting for semi-monthly paycheck and a one-sixth weighting for purchasing power, unemployment rate and income growth. We indexed the final number, so higher values reflect the most paycheck friendly places.

Sources: SmartAsset, government websites, US Census Bureau 2018 American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics