$31,000 a year is $14.90 an hour
$31,000 a year is $14.90 an hour at 40 hours a week. After 2026 federal income tax, Social Security and Medicare:
You keep
$27,089
a year after taxes
- Every two weeks
- $1,042
- A month
- $2,257
- Effective tax rate
- 12.6%
US Before state and local income tax
| Line | Every two weeks | Year |
|---|---|---|
GROSS Gross pay |
$1,192.31 | $31,000.00 |
FED Federal income tax |
-$59.23 | -$1,540.00 |
OASDI Social Security tax |
-$73.92 | -$1,922.00 |
MED Medicare tax |
-$17.29 | -$449.50 |
NET Take-home pay | $1,041.87 | $27,088.50 |
Most states also tax wages. Take-home pay in all 50 states and DC is further down.
$31,000 a year per paycheck, month and day
| Period | Gross | Taxes | Take-home |
|---|---|---|---|
| Year | $31,000 | -$3,912 | $27,089 |
| Month | $2,583 | -$326 | $2,257 |
| Every two weeks | $1,192 | -$150 | $1,042 |
| Week | $596 | -$75 | $521 |
| Day | $119 | -$15 | $104 |
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.
$31,000 a year is how much an hour?
| Hours a week | Before tax | After tax |
|---|---|---|
| 20 | $29.81 | $26.05 |
| 25 | $23.85 | $20.84 |
| 30 | $19.87 | $17.36 |
| 35 | $17.03 | $14.88 |
| 40 | $14.90 | $13.02 |
| 45 | $13.25 | $11.58 |
| 50 | $11.92 | $10.42 |
Salaried jobs usually do not pay overtime, so longer weeks lower your real hourly rate.
What $31,000 a year affords
- Rent at 30% of gross pay
- $775 a month
- Needs (50% of take-home)
- $1,129 a month
- Wants (30%)
- $677 a month
- Savings and debt (20%)
- $451 a month
The 30% rule is the benchmark HUD uses for housing cost burden. The 50/30/20 split applies to the $2,257 monthly take-home figure above.
$31,000 a year after taxes in every state
8 states take no state income tax or payroll contributions from a $31,000 salary. Among the rest, Alaska takes the least ($155 a year) and Oregon the most ($1,981, or $76 per biweekly paycheck).
| State | State taxes | Take-home a year |
|---|---|---|
| Florida | $0 | $27,089 |
| Nevada | $0 | $27,089 |
| New Hampshire | $0 | $27,089 |
| North Dakota | $0 | $27,089 |
| South Dakota | $0 | $27,089 |
| Tennessee | $0 | $27,089 |
| Texas | $0 | $27,089 |
| Wyoming | $0 | $27,089 |
| Alaska | $155 | $26,934 |
| South Carolina | $318 | $26,770 |
| New Mexico | $356 | $26,732 |
| Arizona | $373 | $26,716 |
| Ohio | $382 | $26,706 |
| Washington | $430 | $26,658 |
| Missouri | $501 | $26,587 |
| Mississippi | $508 | $26,581 |
| Iowa | $526 | $26,562 |
| Idaho | $545 | $26,544 |
| Louisiana | $545 | $26,544 |
| Nebraska | $558 | $26,530 |
| Utah | $573 | $26,515 |
| Connecticut | $593 | $26,496 |
| Vermont | $605 | $26,484 |
| Wisconsin | $640 | $26,448 |
| California | $645 | $26,443 |
| Arkansas | $659 | $26,429 |
| Montana | $700 | $26,388 |
| New Jersey | $717 | $26,372 |
| Hawaii | $722 | $26,367 |
| North Carolina | $728 | $26,360 |
| Maine | $738 | $26,351 |
| West Virginia | $759 | $26,330 |
| District of Columbia | $760 | $26,329 |
| Colorado | $792 | $26,297 |
| Georgia | $798 | $26,290 |
| Oklahoma | $850 | $26,239 |
| Indiana | $885 | $26,204 |
| Rhode Island | $887 | $26,202 |
| Kansas | $948 | $26,140 |
| Kentucky | $967 | $26,121 |
| Virginia | $968 | $26,120 |
| Pennsylvania | $973 | $26,115 |
| Minnesota | $979 | $26,109 |
| Michigan | $1,065 | $26,024 |
| Maryland | $1,107 | $25,982 |
| Delaware | $1,168 | $25,921 |
| Alabama | $1,222 | $25,867 |
| New York | $1,242 | $25,846 |
| Massachusetts | $1,373 | $25,716 |
| Illinois | $1,390 | $25,699 |
| Oregon | $1,981 | $25,108 |
Questions people ask about $31,000 a year
$31,000 a year is how much an hour?
$31,000 a year is $14.90 an hour at 40 hours a week for 52 weeks (2,080 hours). At 45 hours a week it works out to $13.25, and after tax (before state tax) you keep $13.02 for every 40-hour-week hour.
How much is $31,000 a year after taxes?
After federal income tax, Social Security and Medicare a single filer keeps $27,089. Depending on the state, take-home pay runs from $25,108 in Oregon to $27,089 in states with no income tax.
How much is $31,000 a year biweekly after taxes?
Paid every two weeks, $31,000 is $1,192 gross and about $1,042 net per paycheck before state tax.
What tax bracket is $31,000 in 2026?
After the $16,100 standard deduction, federal taxable income is $14,900, which puts your top dollar in the 12% federal bracket. Your average federal income tax rate is 5% of gross pay.
How much rent can I afford on $31,000 a year?
The 30% rule gives $775 a month. Using take-home pay and the 50/30/20 split, needs including rent get $1,129 and savings $451 a month.
How much is $31,000 a month after taxes?
$31,000 is $2,583 a month before tax and $2,257 after federal taxes.
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