Oregon runs a graduated state income tax in 2026, with rates from 4.75% up to 9.9% depending on how much you earn, on top of federal income tax and FICA. Single filers get a standard deduction of $2,910. Use the calculators below to see your exact 2026 take-home pay in Oregon, check the sales tax on a purchase, and estimate a mortgage payment with Oregon property taxes factored in.
State Paycheck Calculator 2026
Estimate take-home pay after federal tax, FICA and your state’s income tax for the 2026 tax year.
How it works: the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly) comes off your salary first, then the 2026 federal brackets (10%–37%). FICA is applied properly: 6.2% Social Security on the first $184,500 of wages (2026 wage base), 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above $200,000 single / $250,000 married filing jointly. State tax applies each state’s own standard deduction/exemptions, then its brackets or flat rate. Local income taxes are not included — many cities and counties (e.g. New York City, Philadelphia, most of Ohio, Maryland counties, Indiana counties, Kentucky) levy their own payroll taxes on top of the state tax.
Oregon sales tax calculator
Oregon has no statewide sales tax in 2026 — the state base rate is 0%. A few local areas may still add their own small tax; enter it as the local add-on if yours does.
Sales Tax Calculator 2026
Estimate the sales tax and total price using each state’s base rate (2026), plus any local add-on.
State base rates are the 2026 state-level rates (local add-ons excluded). Actual combined rates vary widely by city and county — many localities add 1–5%. Five states have no statewide sales tax (Alaska, Delaware, Montana, New Hampshire, Oregon), though some localities still levy local taxes.
Mortgage calculator for Oregon homes
The average effective property tax rate in Oregon is about 0.81% of a home’s value per year. When you use the mortgage calculator below, enter roughly that percentage of the home price in the yearly property tax field for a realistic Oregon monthly payment.
Mortgage Payment Calculator
Work out your monthly principal & interest payment, total interest and the true total cost of your loan.
How it works: your loan amount (price minus down payment) is repaid in equal monthly instalments using the standard amortisation formula, so early payments are mostly interest and later ones mostly principal. Property tax and insurance, if entered, are simply spread evenly across each month. Your actual rate and payment will depend on your lender, credit profile and the deal you choose.
Oregon made a trade and it isn’t shy about it: no sales tax, anywhere, ever — and one of the heavier state income taxes in the country to pay for it. On a $75,000 salary the calculator below shows $5,732.88 of Oregon tax, the biggest state bite in this series of examples. But read the fine print before you wince: Oregon has a deduction quirk that softens the real bill, and this page will be straight with you about it.
Income tax in Oregon in 2026
Four brackets for single filers: 4.75% on the first $4,550 of taxable income, 6.75% up to $11,400, 8.75% up to $125,000, and 9.90% above that. The standard deduction is small — $2,910 — and there’s a personal exemption delivered as a $256 credit off your tax, available only if your federal income stays under $100,000 as a single filer.
Notice the first bracket starts at 4.75%. There’s no cheap introductory slice here; Oregon taxes modest incomes at rates other states reserve for their middle brackets. That’s the cost side of the no-sales-tax bargain.
Now the quirk, and it matters. Oregon is one of the few states that lets you deduct the federal income tax you paid, up to a cap set by the state. The calculator on this page does not subtract that deduction — the current cap figure wasn’t available in the verified data used to build it — so the Oregon result it gives you is an estimate that runs high. Your actual Oregon tax will usually come in lower than the figure shown, sometimes by several hundred dollars. We’d rather show you a number that’s honestly labeled than one that pretends to a precision the model doesn’t have.
Portland-area high earners should also know about the local layer: a Metro supportive-housing tax and a Multnomah County preschool tax apply at higher incomes. They don’t touch the $75,000 example below.
Worked example: $75,000 salary, single filer
Step 1 — Federal tax. $75,000 − $16,100 = $58,900 taxable, giving $7,670.00.
Step 2 — FICA. Social Security and Medicare: $5,737.50.
Step 3 — Oregon tax, as the calculator models it. $75,000 − $2,910 standard deduction = $72,090 of taxable income. The slices: 4.75% of $4,550 = $216.13; 6.75% of the next $6,850 = $462.38; 8.75% of the remaining $60,690 = $5,310.38. That’s $5,988.88, minus the $256 exemption credit = $5,732.88.
Step 4 — Take-home pay. $75,000 − $7,670.00 − $5,737.50 − $5,732.88 = $55,859.63 a year, around $2,148.45 bi-weekly. Remember the asterisk: because the calculator can’t apply Oregon’s federal-tax deduction, your real take-home will very likely be a few hundred dollars better than this. An 8.75% marginal rate and a 7.64% effective rate are the honest headline numbers — Oregon earns its high-tax reputation on paychecks even after the deduction does its work.
Sales tax in Oregon
There isn’t one. Oregon has no state or local general sales tax — the rate is 0.00%, full stop. A $1,000 purchase costs $1,000.
This flips the usual border dynamics. Washingtonians cross the Columbia River into Portland to make big purchases sales-tax-free, then go home to a state with no income tax — the famous double dodge that people in Vancouver, Washington, have turned into a lifestyle. The calculator on this page will confirm the rate with a satisfying string of zeros.
Property tax in Oregon
Oregon’s average effective property tax rate is 0.81% — on a $300,000 home, about $2,430 a year. Middling nationally, and Oregon’s system caps how fast your assessed value can grow (generally 3% a year), so long-term owners in hot neighborhoods aren’t taxed out of their homes by appreciation alone.
Measured against the income tax, the property tax here is almost gentle. Oregon’s fiscal personality is consistent: it taxes what you earn, hard, and largely leaves what you buy and — comparatively — what you own alone.
Frequently asked questions
Why does the calculator’s Oregon figure look too high?
Because Oregon lets you deduct federal income tax paid, up to a state cap, and this calculator doesn’t model that deduction. Treat the state figure as a high-side estimate. Your filed Oregon return will almost certainly show less tax than the calculator does.
Does Oregon really have no sales tax anywhere?
Correct — no state tax and no local general sales taxes either. A handful of specific levies exist (on things like prepared food in a couple of cities or on bike purchases), but ordinary retail is untaxed.
What is the $256 credit in the calculation?
It’s Oregon’s personal exemption, delivered as a credit against tax rather than a deduction from income. On this salary it takes $256 straight off the bill. It disappears once a single filer’s federal income passes $100,000.
Are the Portland local taxes in the calculator?
No. The Metro and Multnomah County taxes apply mainly at higher incomes, so they don’t affect the $75,000 example — but Portland residents earning well into six figures should budget for them separately.
Plug your salary into the Oregon paycheck calculator above for the high-side estimate, then remember your real bill gets that federal-tax deduction the model can’t show. And run the Washington page next door to see the mirror image: no income tax, hefty sales tax.
These calculators are for guidance only and aren’t financial advice.