Paycheck calculator › After taxes and rent › Newark

Take-home pay after taxes and rent in Newark (2026)

A typical one-bedroom in Newark rents for $1,822 a month (HUD FY2026 Fair Market Rent). On a $75,000 salary the take-home is $4,874 a month, which leaves $3,052 after rent — rent takes 37.4% of take-home (over the 30% guideline). To keep a one-bedroom at 30% of take-home you need to earn about $97,625 a year in Newark; a two-bedroom ($2,205) needs $121,728. The calculator is in reverse mode with that target.

Your pay

Gross pay

State

Filing status

401(k) / 403(b) %

Bonus (one-off)

Pre-tax deductions & HSA

Health premiums / yr

HSA / yr

Other pre-tax / yr

Custom local rate %

Age 50+ (401k catch-up) Family HSA limit

401(k) lowers income tax but not Social Security/Medicare. Health premiums and HSA through a cafeteria plan lower both.

W-4 details (2020 or later form)

Step 2: two jobs / spouse works

Step 3: dependents credit $

Step 4a: other income / yr

Step 4b: extra deductions / yr

Step 4c: extra withholding / check

Paychecks per year (for 4c)

Tax tables

Leave blank for standard withholding. Dependents: $2,000 per qualifying child, $500 per other dependent.

Take-home pay

$6,073

take-home pay a month

from a gross of $8,135

Effective tax rate 25.3%Marginal rate 36.4%Total taxes $24,745

Federal tax 13.0%FICA 7.6%State 4.7%Take-home 74.7%

Line	Monthly	Yearly
Gross pay	$8,135	$97,625
Federal income tax	−$1,054	−$12,648
Taxable income $81,525 = wages $97,625 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%).
Social Security (6.2%)	−$504	−$6,053
6.2% of $97,625.
Medicare (1.45%)	−$118	−$1,416
1.45% of $97,625.
New Jersey state income tax	−$336	−$4,029
Taxable $96,625 = wages $97,625 − exemption $1,000. Brackets 1.4%/1.75%/3.5%/5.53%/6.37%/8.97%/10.75%.
NJ UI/WF/SWF	−$16	−$190
0.425% of wages up to $44,800.
NJ SDI	−$15	−$185
0.19% of wages up to $170,700.
NJ FLI	−$19	−$225
0.23% of wages up to $170,700.
Take-home pay	$6,073	$72,880

What is left after rent in Newark, by salary

Salary	Take-home / mo	After studio ($1,612)	After 1-bed ($1,822)	After 2-bed ($2,205)	1-bed share
$40,000	$2,775	$1,163	$953	$570	65.7%
$50,000	$3,395	$1,783	$1,573	$1,190	53.7%
$60,000	$4,015	$2,403	$2,193	$1,810	45.4%
$70,000	$4,606	$2,994	$2,784	$2,401	39.6%
$75,000	$4,874	$3,262	$3,052	$2,669	37.4%
$80,000	$5,140	$3,528	$3,318	$2,935	35.4%
$90,000	$5,669	$4,057	$3,847	$3,464	32.1%
$100,000	$6,199	$4,587	$4,377	$3,994	29.4%
$120,000	$7,258	$5,646	$5,436	$5,053	25.1%
$150,000	$8,800	$7,188	$6,978	$6,595	20.7%

Rents are HUD Fair Market Rents for FY2026 (the 40th-percentile gross rent, utilities included, for the metro area — a modest, typical unit, not a luxury one). Take-home is for a single filer with no pre-tax deductions, 2026 tables, city tax where it applies. The 30% rule compares rent with take-home pay, not gross.

Salary needed to afford rent in Newark

Unit	HUD FMR / mo	Take-home needed / mo	Salary needed / yr	Hourly (40 h)
Studio	$1,612	$5,373	—	—
One bedroom	$1,822	$6,073	$97,625	$46.94
Two bedrooms	$2,205	$7,350	$121,728	$58.52
Three bedrooms	$2,761	$9,203	—	—

Newark paycheck calculator · All cities after rent

Frequently asked

How much do I need to make to live in Newark?

About $97,625 a year for a one-bedroom at 30% of take-home ($121,728 for a two-bedroom), before other costs. HUD's FY2026 Fair Market Rent for a one-bedroom is $1,822.

Is $75,000 enough to live in Newark?

After taxes it is $4,874 a month; a typical one-bedroom leaves $3,052 for everything else, so rent is 37.4% of take-home.

Where do the rents come from?

HUD Fair Market Rents, FY2026: the 40th-percentile gross rent (with utilities) for the metro area, published yearly and refreshed here automatically every October.