Does Oklahoma have a state income tax?

Yes. Oklahoma imposes a progressive state income tax with six brackets ranging from 0.25% to 4.75%. The lowest bracket taxes the first $1,000 of taxable income at 0.25%, while the top bracket of 4.75% applies to all taxable income above $7,200. Oklahoma's top rate of 4.75% is moderate compared to many states and was reduced from 5% as part of ongoing legislative efforts to lower the state's income tax burden. Oklahoma does not allow any local jurisdictions to impose additional income taxes on wages, so the state rate is the only income tax withheld from your paycheck.

How much does a $20/hour worker take home in Oklahoma?

At $20/hour working 40 hours per week, your gross annual pay is $41,600. After federal income tax of approximately $2,940, Oklahoma state income tax of roughly $1,400, Social Security of $2,579, and Medicare of $603, your annual take-home pay is approximately $34,078. That works out to about $1,311 per biweekly paycheck. By comparison, the same worker in neighboring Texas would take home roughly $1,400 more annually due to Texas having no state income tax, while a worker in Missouri would take home a similar amount given Missouri's comparable top rate of 4.8%.

What is the Oklahoma minimum wage in 2026?

Oklahoma's minimum wage matches the federal minimum wage of $7.25 per hour, which has been unchanged since July 2009. Oklahoma state law sets its own minimum at $7.25, effectively mirroring the federal floor. Cities and municipalities in Oklahoma are preempted from setting higher local minimum wages by state law. Despite the low statutory minimum, the state's major employers in oil and gas, aerospace, and healthcare typically pay starting wages well above $7.25, with entry-level positions at companies like Devon Energy and Tinker Air Force Base starting significantly higher due to the specialized skills required.

Do Oklahoma cities or counties charge local income taxes?

No. Oklahoma does not permit cities, counties, or any other local jurisdictions to impose income taxes on wages or salaries. The only income tax withheld from an Oklahoma worker's paycheck at the state level is the Oklahoma state income tax itself. This makes paycheck calculations simpler compared to states like Ohio, Pennsylvania, or Maryland where local wage taxes are common and can add 1-3% on top of state rates. Oklahoma does rely heavily on sales tax revenue, however, and combined state and local sales tax rates can exceed 10% in some municipalities, which is among the highest in the nation.

Does Oklahoma tax Social Security or retirement income?

Oklahoma does not tax Social Security benefits at the state level. The state also provides a full exemption for military retirement pay and allows taxpayers age 65 and older to exclude up to $10,000 of retirement income from other qualified plans such as 401(k) distributions and traditional IRA withdrawals. Federal civilian retirement pay receives the same $10,000 exclusion for qualifying retirees. Combined with the absence of local income taxes and a relatively low cost of living, Oklahoma is considered moderately tax-friendly for retirees, particularly those with military backgrounds who can take advantage of the full military pension exemption.

How does Oklahoma's tax burden compare to neighboring states?

Oklahoma's top income tax rate of 4.75% sits in the middle of its neighbors. Texas to the south has no state income tax at all, making it the most favorable for wage earners. Kansas charges a top rate of 5.7%, while Missouri's top rate is 4.8%, nearly identical to Oklahoma. Arkansas imposes a top rate of 3.9%, which is lower than Oklahoma's but Arkansas has higher sales tax rates in many jurisdictions. Colorado uses a flat rate of 4.4%, slightly below Oklahoma's top rate. For workers in border cities like Tulsa or along the Texas-Oklahoma border near Ardmore, the difference between Oklahoma's 4.75% and Texas's 0% can mean over $1,500 in annual savings depending on income level.

Oklahoma Paycheck Calculator (Hourly) — Free Take-Home Pay Estimator

How the Oklahoma Paycheck Calculator Works

This Oklahoma paycheck calculator hourly tool computes your take-home pay by subtracting federal income tax, Oklahoma state income tax, and FICA (Social Security + Medicare) from your gross earnings. Oklahoma uses a six-bracket progressive state income tax system with rates ranging from 0.25% on the first $1,000 of taxable income to 4.75% on all income above $7,200. Because the top bracket begins at such a low threshold, most Oklahoma workers pay an effective state rate close to the maximum 4.75% on the majority of their earnings.

The core formula:

Take-Home = Gross Pay - Federal Tax - State Tax - Social Security - Medicare

P_{net} = P_{gross} - T_{fed} - T_{OK} - T_{SS} - T_{Med}

Annual gross is hourly wage multiplied by hours per week multiplied by 52 weeks. To convert between hourly and annual figures, see our salary calculator. Per-period pay divides the annual figure by 52, 26, 24, or 12 depending on your pay frequency.

Federal income tax follows progressive brackets from 10% on the first $11,925 of taxable income (single) up to 37% on income above $626,350. The standard deduction is $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household. Oklahoma state income tax applies separately across six brackets: 0.25% on the first $1,000, 0.75% from $1,000 to $2,500, 1.75% from $2,500 to $3,750, 2.75% from $3,750 to $4,900, 3.75% from $4,900 to $7,200, and 4.75% above $7,200. Oklahoma uses its own standard deduction of $6,350 for single filers, $12,700 for married filing jointly, and $9,350 for head of household. Social Security tax is 6.2% on wages up to $176,100, and Medicare is 1.45% on all wages plus a 0.9% surtax above $200,000 single or $250,000 married.

Oklahoma Hourly Paycheck Tax Breakdown

Oklahoma's six-bracket state income tax structure is more granular than many states, but the practical effect for most workers is straightforward. Because the top 4.75% rate kicks in at just $7,200 of taxable income, any Oklahoma worker earning more than roughly $13,550 annually (after the $6,350 single standard deduction) will pay the top marginal rate on most of their state-taxable earnings. The lower five brackets collectively cover only the first $7,200 of taxable income, generating a maximum combined tax of just $153.50 before the top rate applies. This means Oklahoma's income tax functions almost like a flat 4.75% tax with a small discount on the first $7,200.

Oklahoma's economy is anchored by the energy sector, which has historically driven wages and employment across the state. The Oklahoma City metro area is home to Devon Energy, Continental Resources, and dozens of midstream and oilfield services companies where engineers, geologists, and field workers earn $25-$75/hour depending on role and experience. Tinker Air Force Base in Midwest City is the largest single-site employer in Oklahoma, with over 26,000 military and civilian personnel working in aircraft maintenance, logistics, and defense systems. The aerospace and defense cluster around Tinker, including companies like Boeing, Northrop Grumman, and L3Harris Technologies, provides thousands of high-paying technical positions that fuel payroll tax revenue across the OKC metro.

Compared to its neighbors, Oklahoma's 4.75% top rate is moderate. Texas to the south charges no state income tax, which is a significant consideration for workers near the Red River border towns of Ardmore and Durant. Kansas to the north has a higher top rate of 5.7%, making Oklahoma slightly more favorable for workers in the Tulsa corridor near the Kansas border. Missouri's top rate of 4.8% is virtually identical to Oklahoma's, while Arkansas charges a lower top rate of 3.9%. Workers in the Tulsa metro area who could feasibly live in either Oklahoma or Arkansas should compare the net effect of Oklahoma's 4.75% rate versus Arkansas's 3.9% rate against differences in property taxes and sales taxes between the two states.

Your Oklahoma paycheck deductions come from four sources:

Federal income tax: Progressive brackets based on filing status and taxable income. See our income tax calculator for full-year estimates.
Oklahoma state income tax: Six progressive brackets from 0.25% to 4.75%, with the top rate applying above $7,200 of taxable income.
Social Security: 6.2% on wages up to $176,100 annually.
Medicare: 1.45% on all wages, plus 0.9% surtax above $200,000 single or $250,000 married.

Variable Definitions

Hourly Wage: Your gross pay per hour before deductions. Oklahoma follows the federal minimum of $7.25/hour, though most employers pay well above that floor. A petroleum engineer at Devon Energy in Oklahoma City earning $45/hour grosses $93,600 annually, while an aircraft mechanic at Tinker Air Force Base earning $32/hour grosses $66,560. Healthcare workers at Integris Health or OU Medical Center commonly earn $20-$40/hour depending on role, and agricultural equipment operators across the western Oklahoma wheat belt typically earn $15-$22/hour during harvest season.

Hours per Week: Total regular hours. Full-time is 40. Oil field workers in the Anadarko Basin and SCOOP/STACK play regions of central Oklahoma often work 50-60 hour weeks during active drilling campaigns, with overtime above 40 hours paid at 1.5x under federal law. Tinker AFB civilian employees typically work standard 40-hour weeks with occasional overtime during depot-level maintenance surges. Healthcare workers at facilities like Saint Francis Health System in Tulsa may work three 12-hour shifts for 36 hours or pick up additional shifts for 48 hours.

Pay Frequency: Weekly (52 periods), biweekly (26), semi-monthly (24), or monthly (12). Most large Oklahoma employers, including Devon Energy, Chesapeake Energy, ONEOK, and the major healthcare systems like Integris and Saint Francis, pay biweekly. Oklahoma state government employees and public school teachers are commonly paid semi-monthly or monthly. Construction workers and oilfield hands on short-term contracts often receive weekly pay.

Filing Status: Determines your federal and Oklahoma standard deductions and bracket thresholds. A single filer working at the Boeing facility in Oklahoma City earning $60,000 has a federal standard deduction of $15,000 and an Oklahoma deduction of $6,350. Married filing jointly doubles the federal standard deduction to $30,000 and increases the Oklahoma deduction to $12,700. Head of household, often used by single parents in the OKC or Tulsa metro areas, provides $22,500 federally and $9,350 in Oklahoma.

Pre-Tax Deduction: Percentage of gross pay contributed to 401(k), 403(b), or HSA. An aerospace engineer at Northrop Grumman in Oklahoma City earning $90,000 who contributes 8% ($7,200) reduces both federal and Oklahoma taxable income, saving roughly $1,584 federally (at 22%) and $342 in Oklahoma (at 4.75%), for a combined tax savings of about $1,926 per year. Many Oklahoma energy and defense employers offer competitive 401(k) matching programs, making pre-tax contributions especially valuable in this market.

Worked Example 1: Oklahoma Hourly Paycheck at $18/Hour

A single filer earning $18/hour, working 40 hours/week, biweekly pay, with a 5% pre-tax 401(k) contribution:

Annual gross: $18 x 40 x 52 = $37,440
Pre-tax deduction: $37,440 x 5% = $1,872
Taxable gross: $37,440 - $1,872 = $35,568
Federal taxable income: $35,568 - $15,000 (standard deduction) = $20,568
Federal tax: ($11,925 x 10%) + ($8,643 x 12%) = $1,192.50 + $1,037.16 = $2,229.66
Oklahoma taxable income: $35,568 - $6,350 (OK standard deduction) = $29,218
Oklahoma state tax: ($1,000 x 0.25%) + ($1,500 x 0.75%) + ($1,250 x 1.75%) + ($1,150 x 2.75%) + ($2,300 x 3.75%) + ($22,018 x 4.75%) = $2.50 + $11.25 + $21.88 + $31.63 + $86.25 + $1,045.86 = $1,199.37
Social Security: $35,568 x 6.2% = $2,205.22
Medicare: $35,568 x 1.45% = $515.74
Total deductions: $1,872 + $2,229.66 + $1,199.37 + $2,205.22 + $515.74 = $8,021.99
Annual take-home: $37,440 - $8,021.99 = $29,418.01
Biweekly take-home: $29,418.01 / 26 = $1,131.46

Worked Example 2: Oklahoma Hourly Paycheck at $48/Hour

A married filing jointly filer earning $48/hour, working 40 hours/week, biweekly pay, with a 10% pre-tax 401(k) contribution:

Annual gross: $48 x 40 x 52 = $99,840
Pre-tax deduction: $99,840 x 10% = $9,984
Taxable gross: $99,840 - $9,984 = $89,856
Federal taxable income: $89,856 - $30,000 (married standard deduction) = $59,856
Federal tax: ($23,850 x 10%) + ($36,006 x 12%) = $2,385 + $4,320.72 = $6,705.72
Oklahoma taxable income: $89,856 - $12,700 (OK married standard deduction) = $77,156
Oklahoma state tax: ($1,000 x 0.25%) + ($1,500 x 0.75%) + ($1,250 x 1.75%) + ($1,150 x 2.75%) + ($2,300 x 3.75%) + ($69,956 x 4.75%) = $2.50 + $11.25 + $21.88 + $31.63 + $86.25 + $3,322.91 = $3,476.42
Social Security: $89,856 x 6.2% = $5,571.07
Medicare: $89,856 x 1.45% = $1,302.91
Total deductions: $9,984 + $6,705.72 + $3,476.42 + $5,571.07 + $1,302.91 = $27,040.12
Annual take-home: $99,840 - $27,040.12 = $72,799.88
Biweekly take-home: $72,799.88 / 26 = $2,800.00

This Oklahoma energy sector professional takes home roughly 72.9% of gross. The 4.75% top state rate applies to the vast majority of their Oklahoma taxable income, with only the first $7,200 benefiting from the lower graduated brackets that collectively save about $153.50 compared to a flat 4.75% rate on all taxable income.

Edge Cases and Advanced Scenarios

Social Security wage base cap ($176,100 in 2026): If you earn above $176,100 annually, Social Security tax stops at that threshold. A senior petroleum engineer at Devon Energy or Continental Resources earning $220,000 pays SS tax capped at $176,100 x 6.2% = $10,918.20 rather than 6.2% of the full $220,000. The cap resets January 1 each year, meaning high earners see larger paychecks in the latter months after reaching the cap. This is particularly relevant in Oklahoma's energy sector, where experienced engineers, geologists, and senior managers frequently exceed the wage base during boom years when production bonuses are paid.

Tinker AFB civilian employees and federal withholding: Tinker Air Force Base employs over 26,000 military and civilian workers, making it the largest single-site employer in Oklahoma. Civilian employees at Tinker are paid through the federal payroll system (Defense Finance and Accounting Service) and are subject to both federal income tax and Oklahoma state income tax. GS-level employees at Tinker earning in the GS-11 to GS-13 range ($60,000-$100,000 in the OKC locality pay area) should verify that their Oklahoma withholding on federal Form W-4 is correctly configured, as the federal payroll system uses state-specific withholding tables. Military personnel stationed at Tinker who maintain legal residency in a no-income-tax state like Texas or Florida are not subject to Oklahoma state income tax on their military pay, even though they live and work in Oklahoma.

Oil field workers with variable hours and overtime: Oklahoma's oil and gas industry frequently requires workers to put in 50-70 hour weeks during drilling and completion operations in the SCOOP, STACK, and Anadarko Basin regions. Federal overtime law requires 1.5x pay above 40 hours, which pushes these workers into higher annualized income levels than their base hourly rate suggests. A roughneck earning $24/hour who works 60 hours per week grosses ($24 x 40) + ($36 x 20) = $1,680 per week, or $87,360 annualized, compared to $49,920 at straight 40-hour weeks. The higher annualized income increases both the federal marginal rate and pushes more income into Oklahoma's top 4.75% bracket, though since that bracket starts at just $7,200 of taxable income, the state rate impact is minimal compared to the federal bracket jump from 12% to 22%.

Cross-border workers with Texas: Oklahoma residents who commute south to work in Texas owe Oklahoma state income tax on their wages because Oklahoma taxes residents on worldwide income regardless of where the work is performed. This affects workers in the Ardmore and Durant areas who may commute to employers in the Dallas-Fort Worth metroplex or Sherman-Denison area. Conversely, Texas residents who commute north to work in Oklahoma are subject to Oklahoma nonresident income tax on wages earned within the state. Workers in the Red River border corridor should carefully verify their withholding status to avoid unexpected tax bills or double-counting.

What to Do with Your Oklahoma Paycheck Result

Compare your calculated take-home pay to your actual pay stub. Differences often come from health insurance premiums, union dues, garnishments, or other voluntary deductions not included in this calculator.
Increase pre-tax 401(k) contributions to reduce both federal and Oklahoma state tax. Every dollar contributed saves both your federal marginal rate and 4.75% in Oklahoma state tax for most workers, since the top bracket starts at just $7,200 of taxable income.
Review your Oklahoma Form OK-W-4 withholding alongside your federal W-4. Both can be adjusted independently when your circumstances change, such as marriage, a new child, a significant raise, or a move across state lines.
If you work in the energy sector with variable hours or seasonal overtime, recalculate periodically to reflect changes in your annualized income and the resulting shift in federal tax brackets.
Use our federal income tax percentage calculator to see your effective federal rate and understand what share of your gross income goes to federal versus state taxes.

Related Calculators

Texas Paycheck Calculator (Hourly) -- Texas has no income tax; see how much more you would take home south of the Red River.
Kansas Paycheck Calculator (Hourly) -- compare Oklahoma's 4.75% top rate to Kansas's 5.7% top rate.
Arkansas Paycheck Calculator (Hourly) -- Arkansas's 3.9% top rate versus Oklahoma's 4.75%.
Missouri Paycheck Calculator (Hourly) -- Missouri's 4.8% top rate is nearly identical to Oklahoma's 4.75%.
Salary Calculator -- convert between hourly and annual pay.
Income Tax Calculator -- estimate your total federal income tax liability.
Federal Income Tax Percentage Calculator -- find your effective federal tax rate.
Paycheck Calculator by State — compare take-home pay across all 50 states and DC.

Oklahoma Paycheck Calculator (Hourly)