Oregon has a unique Statewide Transit Tax (STT) of 0.1%on all wages, in addition to state income tax. This calculator shows it as a separate deduction line - just like it appears on your actual pay stub. Oregon's standard deduction is only $2,420 (single), far lower than the federal $14,600.
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How the Oregon Paycheck Calculator Works
This calculator estimates your net take-home payfor Oregon residents in the 2025–26 tax year. It accounts for federal income tax, Oregon's progressive state income tax, the Oregon Statewide Transit Tax (0.1%), Social Security, Medicare, and any pre-tax deductions you enter.
Oregon State Income Tax Brackets (2025–26)
Oregon uses four progressive brackets with a very low standard deduction - only $2,420 for single filers. This makes Oregon's effective state tax rate higher than it might appear from the headline rates alone.
4.75% on the first $18,400 (single) or $36,800 (married)
6.75% on income from $18,401 to $46,200 (single)
8.75% on income from $46,201 to $250,000 (single)
9.90% on all income above $250,000 (single)
Oregon Net Pay = Gross Pay − Federal Income Tax (progressive brackets) − Oregon State Tax (4.75% to 9.9%, $2,420 std deduction) − OR Statewide Transit Tax (0.1% on all wages) − Social Security (6.2%, up to $176,100) − Medicare (1.45% + 0.9% above $200K) − Pre-tax deductions (401k, health insurance)
Who Is This Calculator For?
Anyone earning wages in Oregon who wants to understand their true take-home pay after all state, federal, and transit taxes will find this tool useful.
Salaried employees
Convert a Portland or Oregon offer letter into a realistic monthly take-home figure before accepting.
Hourly workers
Enter your rate and hours to see what you actually take home each week after all Oregon deductions.
Workers relocating to Oregon
Moving from a neighboring state like Washington or Nevada? Oregon's tax burden is significantly higher - this calculator shows the exact difference.
Remote workers based in Oregon
Confirm your actual net income from Oregon-sourced remote work, including the transit tax many employees overlook.
New residents
Oregon's small standard deduction surprises many newcomers. Run your numbers to avoid a year-end state tax bill.
HR and payroll teams
Quickly estimate take-home pay for Oregon employees during compensation planning using accurate 2025 brackets and the STT.
When Should You Use It?
Before accepting a job offer to confirm the salary covers rent and expenses in Portland or Eugene
After a raise to see the net impact after Oregon's progressive brackets and transit tax
When comparing an Oregon role to a remote position in neighboring Washington (no state income tax)
To understand how the Oregon standard deduction differs from the federal and affects your tax
At the start of a new tax year when Oregon bracket thresholds and federal rates update
How to Use the Calculator
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Choose salary or hourly
Select whether you earn a fixed annual salary or an hourly wage. Both modes produce the same result format.
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Enter your gross pay
Type your annual salary or hourly rate. For hourly, also enter your average weekly hours. These are pre-tax figures.
3
Set pay frequency
Choose weekly, bi-weekly, semi-monthly, monthly, or annual. This sets the period displayed in results but does not affect tax amounts.
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Select filing status
Single, Married Filing Jointly, or Head of Household. This affects both your federal and Oregon state tax brackets and standard deduction.
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Add pre-tax deductions (optional)
Enter your 401(k) percentage and monthly health insurance to reduce both federal and Oregon taxable income. Note: Oregon does not follow federal 401(k) rules exactly - this calculator uses the standard Oregon treatment.
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Read your results
The breakdown shows each deduction - including the Oregon Transit Tax - and your net pay. Use the period tabs to view monthly, bi-weekly, weekly, or annual figures.
Example Calculation
Suppose you earn $65,000 per year in Oregon, file as single, and have no pre-tax deductions.
Gross annual pay$65,000
Federal taxable ($65,000 − $14,600 federal std deduction)$50,400
Federal income tax (10% + 12% brackets)−$5,908
OR taxable ($65,000 − $2,420 OR std deduction)$62,580
Oregon state tax (4.75% + 6.75% + 8.75% brackets)−$4,184
OR Statewide Transit Tax ($65,000 × 0.1%)−$65
Social Security ($65,000 × 6.2%)−$4,030
Medicare ($65,000 × 1.45%)−$943
Estimated net annual take-home$49,870
Monthly take-home~$4,156
Why Oregon's Effective Rate Feels High
Oregon's $2,420 standard deduction means the 8.75% bracket applies to a large portion of a middle-income salary. For this $65,000 example, Oregon state tax plus the transit tax totals $4,249 - significantly higher than neighboring Washington, which has no income tax at all.
Disclaimer: This calculator provides estimates for informational purposes. Your actual paycheck may differ based on employer-specific withholding or benefits. Consult your HR department or a tax professional for exact figures.
Common Mistakes to Avoid
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Forgetting the Oregon Statewide Transit Tax
Many workers see the STT on their pay stub and do not know what it is. It is a mandatory 0.1% withholding on all wages with no cap. It appears separately from state income tax and cannot be avoided.
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Assuming Oregon's standard deduction matches federal
Oregon's standard deduction is only $2,420 for single filers, compared to $14,600 federal. This means far more of your income is subject to Oregon tax than you might expect when using federal figures as a reference.
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Comparing Oregon to Washington without accounting for the difference
A $75,000 Oregon salary produces roughly $50,000 take-home. The same salary in Washington (no income tax) produces approximately $54,000. The $4,000 difference matters when evaluating cross-border remote opportunities.
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Using the wrong filing status
Oregon's married filing jointly brackets are wider and the standard deduction doubles to $4,840. Filing as single when you qualify for married status will significantly overstate your Oregon tax estimate.
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Not accounting for 401(k) Oregon treatment
Oregon follows federal law on 401(k) deductibility for most workers, but there are nuances for certain high earners. For the vast majority of W-2 employees, 401(k) contributions reduce both federal and Oregon taxable income.
Frequently Asked Questions
Oregon uses four progressive brackets for 2025. Single filers pay 4.75% on the first $18,400, 6.75% on $18,401 to $46,200, 8.75% on $46,201 to $250,000, and 9.9% on income above $250,000. Married filers have wider brackets with the same rates, starting at 4.75% on the first $36,800.
IRS Revenue Procedure 2024-61 and Publication 15-T (2025)
Source for 2025 federal income tax brackets, standard deduction amounts, and withholding tables.
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Oregon Department of Revenue - Personal Income Tax Rates
Confirms the 2025 Oregon progressive bracket rates (4.75%, 6.75%, 8.75%, 9.9%) and the $2,420 single standard deduction.
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Oregon Department of Revenue - Statewide Transit Tax
Confirms the Oregon Statewide Transit Tax (STT) rate of 0.1% withheld from employee wages with no wage base cap.
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Social Security Administration - 2025 COLA and Wage Base
Source for the $176,100 Social Security wage base and 6.2% employee FICA rate for 2025.
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Angela Morris, CPA
Certified Public Accountant, 10 years in Oregon individual tax compliance and payroll consulting
Angela reviewed the bracket calculations, Oregon standard deduction rules, and Statewide Transit Tax logic on this page. She specializes in Oregon state tax compliance for individuals and small businesses in the Portland metro area.
Reviewed: April 2025Last updated: April 2025Tax year: 2025-26
Oregon workers living in Portland but employed by Washington companies may have Washington wages. Conversely, Washington residents working in Oregon owe Oregon state income tax. If you commute across the state line, consult a tax professional about which state has taxing rights on your wages.