Oklahoma Paycheck Calculator

Oklahoma Income Tax Rate

Oklahoma uses progressive state brackets with a comparatively modest top rate. Employers start from gross pay, subtract eligible pre-tax benefits (traditional 401(k), HSA/FSA, Section 125 health premiums), then apply federal withholding, FICA, and Oklahoma state tables using your OW-4 elections and pay frequency. Credits, dependents, and supplemental wage methods can change per-check results, even when salary is unchanged. Local governments in Oklahoma do not levy separate wage income taxes, so state plus federal are your main income-tax layers. The table lists the top individual rate by year, showing reforms that reduced the peak rate and modestly increased typical take-home pay for higher-bracket taxpayers over time.

Oklahoma Median Household Income

Oklahoma’s median household income has climbed over the decade, with brief pandemic volatility and renewed growth as labor markets tightened. Metros such as Oklahoma City and Tulsa often exceed the statewide median, while some rural counties trend lower. Values below are directional, nominal benchmarks to help with budgeting, relocation, or offer comparisons. For purchasing-power analysis, compare “real” (inflation-adjusted) dollars and weigh benefits and local costs (housing, childcare, transportation). Household size and employer-provided benefits can materially change what a salary feels like across the state, so use these figures as starting points, then refine with the newest detailed estimates for your county or metro.

Oklahoma Federal Insurance Contributions Act (FICA)

FICA funds Social Security and Medicare and appears on every Oklahoma paycheck. Employees pay 6.2% Social Security up to the annual wage base (matched by employers) and 1.45% Medicare on all wages (also matched). High earners owe an extra 0.9% Medicare surtax above federal thresholds; employers do not match the surtax. Section 125 health premiums typically reduce both income-tax and FICA wages, while traditional 401(k) lowers income-tax wages but not FICA wages. Because Oklahoma has no city wage tax, the primary statutory withholdings you’ll see are federal income tax, FICA, and Oklahoma income tax, followed by any voluntary pre- and post-tax deductions shown on your pay stub.

Oklahoma Number of Cities with Local Income Taxes

Oklahoma does not impose local (city or county) wage income taxes. Paychecks generally reflect federal withholding, FICA, and statewide Oklahoma income tax only.

How Your Oklahoma Paycheck Works

Each pay period begins with gross wages. Payroll subtracts pre-tax benefits—traditional 401(k), HSA/FSA, commuter, and pre-tax insurance—to reach taxable wages. Withholding then includes federal income tax (W-4), Social Security and Medicare (FICA), and Oklahoma state income tax using OW-4 elections and the state tables for your pay frequency. Post-tax deductions (Roth 401(k), wage garnishments, charitable gifts) are taken after taxes and do not reduce taxable wages. Pay schedule—weekly, biweekly, semimonthly, or monthly—changes per-check amounts but not annual liability. Always review your stubs after life events, address changes, or benefit updates to keep withholding accurate and aligned with your current situation.

Oklahoma Wage and Hour Laws: Overtime, Pay Frequency

Overtime: Oklahoma follows the federal FLSA—most non-exempt employees earn 1.5× their regular rate for hours worked over 40 in a workweek; exemptions apply when duties and salary thresholds are met.
Pay frequency: Employers must set regular paydays and pay on consistent intervals; biweekly and semimonthly schedules are common. Final-pay timing and wage-statement rules apply under state and federal requirements—check employer policy and any contract terms for specifics.

FAQs

How do I use the Oklahoma Paycheck Calculator?

Enter gross pay, pay schedule, OW-4 details, pre-tax benefits, and post-tax deductions to estimate federal, FICA, and Oklahoma withholding.

What are Oklahoma’s current income tax brackets?

Oklahoma uses progressive brackets with a top rate of 4.75% in recent years; your effective rate depends on income and credits.

Do any Oklahoma cities have a wage income tax?

No. Cities and counties do not levy local wage income taxes; withholding covers federal, FICA, and state only.

How do pre-tax 401(k) and HSA contributions affect take-home pay?

They reduce taxable wages for income tax, boosting net pay. 401(k) doesn’t reduce FICA; many health premiums do.

Are bonuses taxed differently in Oklahoma?

State withholding follows Oklahoma tables; federally, employers may use percentage or aggregate methods for supplemental wages like bonuses.

Why did my Oklahoma withholding change this year?

Rate updates, OW-4 changes, benefit elections, or supplemental pay can alter per-check withholding even at the same salary.

What is Oklahoma’s minimum wage policy?

Oklahoma follows the federal minimum unless changed by law or employer policy; many employers pay above minimum to compete.

How often must I be paid in Oklahoma?

Employers must maintain a regular payday and pay consistently—commonly biweekly or semimonthly—per policy, contract, and state rules.

Do remote workers owe Oklahoma income tax?

Residents owe tax on all income; nonresidents owe tax on Oklahoma-sourced wages. Credits may apply for other-state taxes.

Where can I find Oklahoma forms and tables?

See the Oklahoma Tax Commission for OW-4, current withholding tables, and employer guidance for the present tax year.

What appears on an Oklahoma pay stub?

Typically federal income tax, Social Security, Medicare, Oklahoma income tax, pre-tax deductions, post-tax deductions, year-to-date amounts, and net pay.