$10 an hour is $20,800 a year
$10 an hour is $20,800 a year before tax at 40 hours a week. After 2026 federal income tax, Social Security and Medicare:
You keep
$18,739
a year after taxes
- Every two weeks
- $721
- A month
- $1,562
- Effective tax rate
- 9.9%
US Before state and local income tax
| Line | Every two weeks | Year |
|---|---|---|
GROSS Gross pay |
$800.00 | $20,800.00 |
FED Federal income tax |
-$18.08 | -$470.00 |
OASDI Social Security tax |
-$49.60 | -$1,289.60 |
MED Medicare tax |
-$11.60 | -$301.60 |
NET Take-home pay | $720.72 | $18,738.80 |
Most states also tax wages. Take-home pay in all 50 states and DC is further down.
$10 an hour per paycheck, month and day
| Period | Gross | Taxes | Take-home |
|---|---|---|---|
| Year | $20,800 | -$2,061 | $18,739 |
| Month | $1,733 | -$172 | $1,562 |
| Every two weeks | $800 | -$79 | $721 |
| Week | $400 | -$40 | $360 |
| Day | $80 | -$8 | $72 |
Biweekly means 26 paychecks a year. A day is one of 260 working days (five a week). "Taxes and deductions" includes every line on the stub above.
If you work more or fewer hours
| Hours a week | Yearly gross | Yearly take-home |
|---|---|---|
| 20 | $10,400 | $9,604 |
| 25 | $13,000 | $12,006 |
| 30 | $15,600 | $14,407 |
| 35 | $18,200 | $16,598 |
| 40 | $20,800 | $18,739 |
| 45 (5 overtime) | $24,700 | $22,080 |
| 50 (10 overtime) | $28,600 | $25,422 |
From 2026, federal income tax exempts the overtime premium (the extra half of time-and-a-half) up to $12,500 a year for single filers. Social Security, Medicare still apply to it.
What $10 an hour affords
- Rent at 30% of gross pay
- $520 a month
- Needs (50% of take-home)
- $781 a month
- Wants (30%)
- $468 a month
- Savings and debt (20%)
- $312 a month
The 30% rule is the benchmark HUD uses for housing cost burden. The 50/30/20 split applies to the $1,562 monthly take-home figure above.
$10 an hour after taxes in every state
11 states take no state income tax or payroll contributions from $10 an hour ($20,800 a year). Among the rest, New Mexico takes the least ($35 a year) and Oregon the most ($1,110, or $43 per biweekly paycheck).
| State | State taxes | Take-home a year |
|---|---|---|
| Florida | $0 | $18,739 |
| Idaho | $0 | $18,739 |
| Nevada | $0 | $18,739 |
| New Hampshire | $0 | $18,739 |
| North Dakota | $0 | $18,739 |
| Ohio | $0 | $18,739 |
| South Dakota | $0 | $18,739 |
| Tennessee | $0 | $18,739 |
| Texas | $0 | $18,739 |
| Utah | $0 | $18,739 |
| Wyoming | $0 | $18,739 |
| New Mexico | $35 | $18,704 |
| Missouri | $75 | $18,663 |
| Mississippi | $100 | $18,639 |
| Alaska | $104 | $18,635 |
| Maine | $104 | $18,635 |
| South Carolina | $115 | $18,623 |
| Arizona | $118 | $18,621 |
| Iowa | $139 | $18,600 |
| Connecticut | $156 | $18,583 |
| Nebraska | $200 | $18,539 |
| Hawaii | $200 | $18,539 |
| Wisconsin | $218 | $18,521 |
| Montana | $221 | $18,518 |
| District of Columbia | $232 | $18,507 |
| Louisiana | $239 | $18,500 |
| Vermont | $263 | $18,476 |
| Washington | $289 | $18,450 |
| Georgia | $289 | $18,449 |
| Colorado | $298 | $18,440 |
| Arkansas | $306 | $18,433 |
| California | $308 | $18,430 |
| North Carolina | $321 | $18,418 |
| Minnesota | $388 | $18,350 |
| Oklahoma | $391 | $18,348 |
| Rhode Island | $392 | $18,347 |
| Kansas | $418 | $18,321 |
| Virginia | $426 | $18,313 |
| New Jersey | $453 | $18,286 |
| West Virginia | $458 | $18,281 |
| Indiana | $584 | $18,155 |
| Delaware | $597 | $18,142 |
| Kentucky | $610 | $18,128 |
| Maryland | $622 | $18,117 |
| Michigan | $631 | $18,108 |
| New York | $650 | $18,089 |
| Pennsylvania | $653 | $18,086 |
| Alabama | $752 | $17,987 |
| Massachusetts | $836 | $17,903 |
| Illinois | $885 | $17,854 |
| Oregon | $1,110 | $17,628 |
Questions people ask about $10 an hour
$10 an hour is how much a year?
$10 an hour is $20,800 a year before tax at 40 hours a week and 52 paid weeks. At 35 hours a week it is $18,200, and at 30 hours $15,600.
How much is $10 an hour after taxes?
After 2026 federal income tax, Social Security and Medicare, a single filer keeps $18,739 a year. State tax brings that down to between $17,628 (Oregon) and $18,739 (Wyoming, no state tax).
How much is $10 an hour biweekly after taxes?
$10 an hour is $800 gross every two weeks. After taxes (before state tax) a biweekly paycheck comes to about $721.
$10 an hour is how much a month?
$10 an hour is $1,733 a month before tax and about $1,562 after tax before state tax, averaged over 12 months.
How much rent can I afford on $10 an hour?
The 30% rule puts rent at $520 a month on $1,733 gross. Budgeting from take-home pay with 50/30/20, all needs including rent get $781.
Which state takes the least tax from $10 an hour?
11 states take no state income tax or payroll contributions from wages, so $10 an hour leaves $18,739 there. Oregon leaves the least, $17,628.
Try your own numbers
Sources and assumptions
Tax year 2026. Annual tax for a filer with no dependents, no other income and no credits, working 52 weeks. Hours over 40 a week are paid at 1.5×. Local income taxes are not included. How we calculate.
- IRS Revenue Procedure 2025-32: federal brackets and standard deduction (retrieved 2026-09-26)
- Social Security Administration: 2026 wage base; IRS: Medicare and Additional Medicare Tax