Oregon Salary & Paycheck Calculator 2026
Oregon has a 4-bracket progressive income tax running 4.75%–9.9%, with the top rate at $125K single / $250K MFJ. Oregon has NO sales tax (one of only five states) — but income tax fills the gap. The state's standard deduction is much smaller than federal ($2,745 single / $5,495 MFJ), so Oregon taxable income runs higher than federal. Portland metro adds significant local layers for high earners — Metro SHS + Multnomah PFA — that the calculator above doesn't compute.
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Showing all 50 states + DC — every jurisdiction has a dedicated paycheck page; picking another navigates there. Use the home calculator →
Common: 100% up to 4%, or 50% up to 6%. For tiered formulas, switch to Tiered.Match dollars don't change your take-home (they go to the 401(k), not your paycheck) — but they show up below as "Total comp".
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Annual Take-Home
$58,668
≈ $4,889/mo · $2,256/biweekly · effective rate 16.78%
+ $3,000/yr employer 401(k) match → $78,000 total compensation
⚠ Local tax not included
Calculator shows state tax only — Portland metro residents owe Metro Supportive Housing Services (1% on income over $125K single / $200K MFJ) + Multnomah County Preschool For All (1.5% over $125K / $200K, jumping to 3% over $250K / $400K). For a Portland $200K single earner: subtract another ~$1,500/year. Suburbs outside the metro line — no extra layer.
🏖️ Plan ahead with this take-home
Tax Breakdown
Run your numbers through the right calculator
Salaried, freelance, bonus, overtime, or tips — pick the tool that matches your event.
Salary Calculator
Annual gross to take-home: federal + state + FICA + 401(k)/HSA modeling for all 50 states.
Calculate take-homeNo Tax on Tips Calculator
Apply the 2025 OBBBA tip deduction (up to $25,000) for servers, drivers, stylists, and other tipped workers.
Calculate tip take-homeOvertime Calculator
Apply the 2025 OBBBA 'No Tax on Overtime' deduction (up to $12,500) and see real savings.
Calculate OT take-home1099 Tax Calculator
1099, sole prop, or LLC: self-employment tax (15.3%) plus quarterly estimates.
Calculate SE taxOregon State Tax Facts (2026)
Tax Structure
Progressive (4 brackets)
Top Rate
9.9% (over $125K single / $250K MFJ)
Standard Deduction
$2,745 single / $5,495 MFJ (much smaller than federal)
Other State Payroll
Statewide Transit Tax 0.1%; Portland metro adds 1%–4.5% for higher earners
Notable Oregon payroll feature
Oregon has 4 brackets running 4.75%–9.9%, with the top rate kicking in at $125K (single) / $250K (MFJ). Oregon's standard deduction is $2,745/$5,495 — much smaller than federal — so state taxable income is significantly larger than federal. Portland metro residents face additional local taxes (Metro Supportive Housing Services + Multnomah County Preschool For All) that can add 2%–4.5% for high earners. Oregon has no sales tax.
How a Oregon paycheck actually works
Withholding on an Oregon paycheck flows through Form OR-W-4, the state's 2024-redesigned withholding certificate (Oregon updated its form to align more closely with the federal post-2020 W-4 design). Portland-metro workers should also check whether Multnomah County PFA and Metro SHS withholding apply — these are county and regional surtaxes that some employers withhold at the source while others leave for the worker to remit on the OR-40. The PFA is 1.5% on income above $125K single / $200K MFJ (Multnomah County residents only); the SHS is 1% on income above $125K single / $200K MFJ for residents of the Portland Metro Council region (Multnomah, Washington, and Clackamas counties).
Take-home math at three tiers, Oregon non-Portland single filer 2026: $60,000 → about $4,400 federal + $4,590 FICA + $4,400 OR state = $13,390 deductions, take-home $46,610 (78%). $100,000 → $11,800 federal + $7,650 FICA + $7,800 OR = $27,250, take-home $72,750 (73%). $150,000 → $24,000 federal + $9,275 FICA + $13,200 OR = $46,475, take-home $103,525 (69%). Add Multnomah County residency at $150K: another roughly $375 PFA on the $25K above the threshold, plus another $250 SHS. Portland's high-earner stack pushes effective state+local rate above 12% at the top end — among the steepest in the US for $200K+ earners outside CA/NY.
Oregon's standard deduction ($2,745 single / $5,495 MFJ) is among the smallest in the country — about one-sixth of the federal $16,100. That means Oregon taxable income runs roughly $13,000 higher than federal AGI for typical filers, pulling more dollars into the 8.75%–9.9% upper brackets. No sales tax offsets some of this for in-state residents, but cross-border shoppers (especially Portland-area Washington commuters and vice versa) reshape the math. Oregon's TriMet and Lane Transit District payroll taxes are technically employer-side, but they reduce wage growth at the margin in those jurisdictions.
The single highest-leverage tactic for Oregon W-2 earners is the Oregon 529 College Savings credit — Oregon offers a state tax credit (not deduction) of up to $360 per filer for 529 contributions, which is unusually generous compared to other states' deduction-based mechanisms. A married couple maxing their 529 credit captures $720 in direct OR tax savings annually. Pair that with maxing pre-tax 401(k) and HSA (Oregon conforms to federal pre-tax treatment) for combined state+federal savings well over $9,000 in a typical professional household. Portland-metro residents crossing the $125K PFA/SHS threshold should also model whether a Vancouver-WA address change (no state income tax) is worth the lifestyle adjustment.
Oregon tax quirks worth knowing
- •No state sales tax — Oregon and 4 others (AK, DE, MT, NH) are sales-tax-free.
- •Statewide Transit Tax: 0.1% on all wages, employer-collected — funds public transit. Tiny but on every dollar.
- •Metro Supportive Housing Services (Portland 3-county): 1% on individual income over $125K single / $200K MFJ.
- •Multnomah County Preschool For All: 1.5% on income over $125K single / $200K MFJ, jumping to 3% over $250K / $400K — only for Multnomah County residents.
Sources: federal brackets + standard deduction from IRS Rev. Proc. 2025-32; retirement contribution limits ($24,500 401(k), $4,400 HSA, $7,500 IRA) from IRS Notice 2025-67; FICA limits from the SSA 2026 Fact Sheet;Oregon state brackets verified against the Tax Foundation 2026 State Income Tax Rates compilation and the official Form OR-40 Personal Income Tax Forms (OR Department of Revenue). Recent Oregon reforms referenced: Metro SHS (2020 ballot) + Multnomah PFA (2020) — Portland-area surtaxes. Always cross-check with your state DOR before relying on any number for filing.
Federal payroll tax reference
Above-the-state-line, every Oregon paycheck owes federal income tax + FICA (Social Security + Medicare). The breakdowns: