Paycheck calculator › After taxes and rent › Portland

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

A typical one-bedroom in Portland rents for $1,677 a month (HUD FY2026 Fair Market Rent). On a $75,000 salary the take-home is $4,667 a month, which leaves $2,990 after rent — rent takes 35.9% of take-home (over the 30% guideline). To keep a one-bedroom at 30% of take-home you need to earn about $93,101 a year in Portland; a two-bedroom ($1,922) needs $109,193. The calculator is in reverse mode with that target.

Your pay

Gross pay

State

Filing status

City / local tax

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

$5,590

take-home pay a month

from a gross of $7,758

Effective tax rate 27.9%Marginal rate 39.1%Total taxes $26,021

Federal tax 12.5%FICA 7.6%State 7.8%Take-home 72.1%

Line	Monthly	Yearly
Gross pay	$7,758	$93,101
Federal income tax	−$971	−$11,652
Taxable income $77,001 = wages $93,101 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%).
Social Security (6.2%)	−$481	−$5,772
6.2% of $93,101.
Medicare (1.45%)	−$112	−$1,350
1.45% of $93,101.
Oregon state income tax	−$550	−$6,595
Taxable $81,941 = wages $93,101 − deduction $2,910. Brackets 4.75%/6.75%/8.75%/9.9%. Minus $256 credit.
OR transit tax	−$8	−$93
0.1% of wages.
Paid Leave Oregon	−$47	−$559
0.6% of wages up to $184,500.
Take-home pay	$5,590	$67,080

What is left after rent in Portland, by salary

Salary	Take-home / mo	After studio ($1,570)	After 1-bed ($1,677)	After 2-bed ($1,922)	1-bed share
$40,000	$2,633	$1,063	$956	$711	63.7%
$50,000	$3,233	$1,663	$1,556	$1,311	51.9%
$60,000	$3,832	$2,262	$2,155	$1,910	43.8%
$70,000	$4,405	$2,835	$2,728	$2,483	38.1%
$75,000	$4,667	$3,097	$2,990	$2,745	35.9%
$80,000	$4,925	$3,355	$3,248	$3,003	34.0%
$90,000	$5,433	$3,863	$3,756	$3,511	30.9%
$100,000	$5,940	$4,370	$4,263	$4,018	28.2%
$120,000	$6,955	$5,385	$5,278	$5,033	24.1%
$150,000	$8,303	$6,733	$6,626	$6,381	20.2%

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 Portland

Unit	HUD FMR / mo	Take-home needed / mo	Salary needed / yr	Hourly (40 h)
Studio	$1,570	$5,233	—	—
One bedroom	$1,677	$5,590	$93,101	$44.76
Two bedrooms	$1,922	$6,407	$109,193	$52.50
Three bedrooms	$2,619	$8,730	—	—

Portland paycheck calculator · All cities after rent

Frequently asked

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

About $93,101 a year for a one-bedroom at 30% of take-home ($109,193 for a two-bedroom), before other costs. HUD's FY2026 Fair Market Rent for a one-bedroom is $1,677.

Is $75,000 enough to live in Portland?

After taxes it is $4,667 a month; a typical one-bedroom leaves $2,990 for everything else, so rent is 35.9% 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.