2026 Tax Year · Single Filer · Mississippi

$10 an Hour in Mississippi — After-Tax Take-Home (2026)

At $10/hour (2,080 hours/year), your gross annual income is $20,800. After federal income tax, Social Security, Medicare, and Mississippi state income tax, your take-home pay is $8.85/hr. In Mississippi's low cost-of-living environment, this is below what's needed for comfortable living in Mississippi.

Gross Annual
$20,800
Net Annual
$18,399
Net Monthly
$1,533
Net Hourly
$8.85

Pay Period Breakdown

Period Gross Tax Net
Hourly $10.00 $1.15 $8.85
Daily (8 hrs) $80.00 $9.24 $70.76
Weekly (40 hrs) $400.00 $46.18 $353.82
Biweekly $800.00 $92.35 $707.65
Monthly $1,733.33 $200.10 $1,533.23
Annual $20,800 $2,401 $18,399

Full Tax Breakdown — Mississippi, Single Filer

Item Rate / Notes Amount
Gross Annual Income $10/hr × 2,080 hrs $20,800
Federal Standard Deduction Single 2026 −$16,100
Federal Taxable Income $4,700
Federal Income Tax 2.3% −$470.00
Social Security (6.2%) up to $168,600 −$1,289.60
Medicare (1.45%) −$301.60
Mississippi Standard Deduction Single 2026 −$2,300
Mississippi State Income Tax 1.6% −$340.00
Total Tax 11.5% effective −$2,401.20
Net Take-Home $18,399

How Does Mississippi Compare?

See how $10/hr take-home differs in other states at the same wage:

State State Tax Net Monthly Net Annual
California $204.40 $1,545/mo $18,534 Florida None $1,562/mo $18,739 New York $512.00 $1,519/mo $18,227 Texas None $1,562/mo $18,739 Washington None $1,562/mo $18,739
Open Full Calculator for Mississippi — $10/hr →

Equivalent Annual Salary Pages

$10/hr = $20,800/year gross. See the full state-by-state salary breakdown:

$20,800 salary in Mississippi — full breakdown $20,800 after tax in Mississippi $20,800 salary to hourly Mississippi paycheck calculator

Adjacent Rates in Mississippi

$11/hr in Mississippi$12/hr in Mississippi$13/hr in Mississippi

Same Rate, Other States

$10/hr in Alabama$10/hr in Alaska$10/hr in Arizona$10/hr in Arkansas$10/hr in California$10/hr in Colorado

Cost of Living in Mississippi

✗ Difficult — $10/hr falls short in Mississippi
  • Avg 1BR rent in Jackson: $800/mo — over the 30% rule (46% of gross monthly)
  • Minimum comfortable income in Mississippi: $29,000/yr
  • Your net annual: $18,399 ($10,601 below comfortable threshold)
  • Purchasing power equivalent in Texas: ~$14.5/hr

Working at $10/hr in Mississippi

Mississippi has the lowest cost of living of any US state. Jackson 1BR rents average $800/month. At this wage, the financial pressure is minimal by national standards — the same income that barely survives in a coastal city builds real savings here.

At ${rate}/hr, you work roughly 91 hours each month to cover a typical 1BR in Jackson (${rent.toLocaleString()}/mo) -- that's above the 30% gross income guideline. This wage is 1.4x Mississippi's federal minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in Mississippi is 11.5% -- federal income tax accounts for 2.3%, FICA 7.6%, and Mississippi state tax 1.6%.

Mississippi's economy centers on agriculture, manufacturing, casinos (Gulf Coast), military installations (Columbus AFB, Camp Shelby), and healthcare. The state has struggled with outmigration but has attracted some manufacturing investment in recent years.

Mississippi has a flat 4% income tax (reduced from a graduated system in 2022, continuing to phase down). The low flat rate and very low cost of living make Mississippi's effective financial picture better than headline poverty statistics suggest for workers who stay.

Mississippi follows the federal minimum wage of $7.25/hr.

Monthly Budget on $10/hr in Mississippi

Based on $1,533/month take-home. Percentages follow common 50/30/20 guidelines adjusted for Mississippi's cost of living.

Category Monthly Annual % of Net
Rent / Housing $800 $9,600 52.2%
Food (groceries + dining) $184 $2,208 12.0%
Transportation $153 $1,836 10.0%
Utilities $92 $1,104 6.0%
Healthcare $77 $924 5.0%
Entertainment $77 $924 5.0%
Savings (10% target) $153 $1,836 10.0%
Remaining / Surplus $-3 $-36 -0.2%

⚠ This budget is underwater — rent alone exceeds the 30% guideline in Mississippi at $10/hr. Consider roommates, lower-cost areas, or targeting a higher wage to reach balance.

Overtime Pay — $10/hr in Mississippi

At time-and-a-half ($15.00/hr), here's what overtime adds to your annual net income in Mississippi. Your marginal tax rate at this income level is ~15.4%.

Extra Hours/Week OT Gross/Week Net/Week (est.) Added Net/Year
5 hrs/week $75 $63 $3,150
10 hrs/week $150 $127 $6,350
20 hrs/week $300 $254 $12,700

Hours to Afford Common Purchases at $10/hr

How many hours of work (gross) to buy common items. Actual cost in after-tax hours is higher — divide by your $8.85 net hourly rate for the true cost in time.

Purchase Price Gross Hours Net Hours
Tank of gas (12 gal) $50 5 hrs 5.7 hrs
Week of groceries $120 12 hrs 13.6 hrs
iPhone 16 (base) $799 79.9 hrs 90.4 hrs
1 month rent (Jackson) $800 80 hrs 90.5 hrs
Used car ($10k) $10,000 1000 hrs 1130.6 hrs
Median new car ($48k) $48,000 4800 hrs 5426.5 hrs

Frequently Asked Questions

10 an hour -- is it a good wage in Mississippi?

10/hr in Mississippi gives you $18,399/year after taxes -- below what's needed for comfortable living in Mississippi. Avg 1BR rent in Jackson: $800/month (exceeds the 30% rule).

What is 10 an hour after taxes in Mississippi?

10/hr in Mississippi = $18,399/year or $1,533/month net. Effective rate: 11.5%.

How does 10/hr go further -- Mississippi or Texas?

10/hr in Mississippi has similar purchasing power to ~14.5/hr in Texas.

What does 10/hr look like as a monthly budget in Mississippi?

On $1,533/month in Mississippi: rent $800, food $184, transport $153, savings $153, surplus ~$0.

How much does overtime add at 10/hr in Mississippi?

At 1.5x (15.00/hr OT), 5 extra hrs/week adds ~$3,150/year net; 10 hrs/week adds ~$6,350/year.