Oklahoma paycheck taxes at a glance
| Income tax on wages | Progressive, 0% – 4.5% |
|---|---|
| Standard deduction | $6,350 single · $12,700 married filing jointly |
| Personal exemption | $1,000 single · $2,000 joint · $1,000 per dependent |
| Minimum wage (2026) | $7.25 an hour (same as the federal minimum; state law covers employers with 10+ full-time employees or over $100,000 in annual sales) |
2026 Oklahoma income tax brackets (single filers)
| Taxable income | Rate |
|---|---|
| $0 – $3,749 | 0% |
| $3,750 – $4,899 | 2.5% |
| $4,900 – $7,199 | 3.5% |
| $7,200 and up | 4.5% |
Example: a $68,400 salary in Oklahoma
The median household income in Oklahoma is about $68,441 (2025 data). Here's what one earner with that salary, paid every two weeks, filing single with no pre-tax deductions, would see on each paycheck in 2026:
| Gross pay | $2,630.77 |
|---|---|
| Federal income tax | −$239.15 |
| Social Security | −$163.11 |
| Medicare | −$38.15 |
| Oklahoma income tax | −$97.40 |
| Take-home pay | $2,092.96 |
That's $54,417 a year in take-home pay, or 20.4% of gross pay going to taxes.
Take-home pay by salary in Oklahoma
Single filer, paid biweekly, standard W-4, no pre-tax deductions:
| Salary | Per paycheck | Per year | State taxes | Total tax rate |
|---|---|---|---|---|
| $40,000 | $1,271.75 | $33,066 | $1,255 | 17.3% |
| $60,000 | $1,855.21 | $48,236 | $2,155 | 19.6% |
| $80,000 | $2,386.75 | $62,056 | $3,055 | 22.4% |
| $100,000 | $2,893.29 | $75,226 | $3,955 | 24.8% |
| $150,000 | $4,137.94 | $107,587 | $6,205 | 28.3% |
| $200,000 | $5,402.79 | $140,473 | $8,455 | 29.8% |
What changed for 2026
- House Bill 2764 (2025) replaced six brackets, from 0.25% to 4.75%, with four, at 0%, 2.5%, 3.5% and 4.5%. For single filers, the first $3,750 of taxable income is now untaxed, and 4.5% applies above $7,200. Brackets for married couples filing jointly and heads of household are twice as wide.
- The same law allows further cuts of 0.25 percentage point at a time in later years if state revenue growth meets the triggers it sets. The State Board of Equalization makes its first preliminary finding at its December 2026 meeting, with the final decision each February.
Oklahoma pay rules worth knowing
- Most non-exempt employees must be paid at least twice a month, on regular paydays no more than 11 days after each pay period ends. Exempt employees and state, county and city employees can be paid monthly.
- Whether you quit or are fired, your employer can wait until the next regularly scheduled payday to pay your final wages.
Oklahoma’s new bracket structure
Oklahoma’s 2026 tax overhaul did two things: it cut the top rate and it cleared out the small brackets at the bottom. Before 2026, a single filer’s taxable income ran through five lower rates (0.25%, 0.75%, 1.75%, 2.75% and 3.75%) before reaching the 4.75% top rate at $7,200. Now there are four rates in all:
- 0% on the first $3,750
- 2.5% on the next $1,150
- 3.5% on the next $2,300
- 4.5% on everything above $7,200
Married couples filing jointly and heads of household get brackets exactly twice as wide, so the 0% band covers their first $7,500.
Taxable income is what’s left after the Oklahoma standard deduction and personal exemptions shown above. For a single filer with no dependents, the deduction, the exemption and the new 0% band together mean the first $11,100 of wages carries no Oklahoma income tax.
What it means for your paycheck
Because the top rate starts so low, almost every full-time worker pays 4.5% on most of their income, and the 0.25-point cut in that rate is the main source of savings. The new 0% band adds a little more, since the first $3,750, which used to be taxed at 0.25% to 1.75%, now isn’t taxed at all.
Oklahoma doesn’t allow a deduction for federal income tax, so your federal bill has no effect on your Oklahoma tax. Employers withhold using the Oklahoma Tax Commission’s tables, which can differ slightly from your final liability.
How future cuts would work
House Bill 2764 builds in more cuts, but only if revenue cooperates. Each year the State Board of Equalization compares collections against a baseline. When revenue growth exceeds the threshold set in the law, the board certifies a cut, and all four rates drop by 0.25 percentage point on the following January 1. Successive certifications can keep lowering the rates. The first preliminary finding is due at the board’s December 2026 meeting, and for that first round the board also has to confirm that revenue for the first five and a half months of the fiscal year came within 95% of its February 2026 estimate.
So a 4.25% top rate is possible, but it isn’t guaranteed.
Hourly pay in Oklahoma
Oklahoma’s minimum wage is the federal $7.25, and state law doesn’t set its own higher rate. If you’re paid hourly, the salary calculator converts your rate to annual pay, and the overtime calculator shows what extra hours add. For your full-year federal picture, use the income tax calculator.
Estimates only. Your employer’s payroll system and your W-4 determine your actual paycheck.
Sources
- Oklahoma Department of Labor: Wage and hour FAQs
- U.S. Department of Labor: State minimum wage laws
- U.S. Department of Labor: State Payday Requirements
- Census Bureau: Household Income in States and Metropolitan Areas, 2025
- webserver1.lsb.state.ok.us
- oklahoma.gov
- IRS Publication 15-T (federal withholding)
Frequently asked questions
How much does the 2026 rate change save?
It depends on your taxable income. On $50,000 of Oklahoma taxable income, the 2026 brackets produce $2,035 of tax, compared with $2,187 under the 2025 brackets, about $151 less. The saving grows by $25 for every additional $10,000 of taxable income.
Can I deduct federal income tax on my Oklahoma return?
No. Oklahoma's rate law says no deduction for federal income taxes paid is allowed in figuring taxable income, under either the 2025 or the 2026 rate schedule.
Who has to pay Oklahoma's minimum wage?
Oklahoma adopts the federal $7.25 rate. Unless an employer is already covered by federal wage law, the state requirement applies to employers with at least 10 full-time employees, or the equivalent, at any one location, or with annual gross sales over $100,000. Other employers fall under a $2.00 state minimum.
Will Oklahoma's income tax rate keep falling?
Possibly. Each time the State Board of Equalization certifies that revenue has grown enough under House Bill 2764's formula, every rate drops by 0.25 percentage point, effective the January 1 after the board's final February certification. If a revenue failure is declared before the end of that calendar year, the cut waits for a later certification.
Facts verified November 6, 2026. Estimates only; your employer's payroll system and your W-4 determine your actual withholding.