2026 Tax Year · Single Filer · New Hampshire

$10 an Hour in New Hampshire — 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 (New Hampshire has no state income tax), your take-home pay is $9.01/hr. In New Hampshire's high cost-of-living environment, this is below what's needed for comfortable living in New Hampshire.

Gross Annual
$20,800
Net Annual
$18,739
Net Monthly
$1,562
Net Hourly
$9.01

Pay Period Breakdown

Period Gross Tax Net
Hourly $10.00 $0.99 $9.01
Daily (8 hrs) $80.00 $7.93 $72.07
Weekly (40 hrs) $400.00 $39.64 $360.36
Biweekly $800.00 $79.28 $720.72
Monthly $1,733.33 $171.77 $1,561.57
Annual $20,800 $2,061 $18,739

Full Tax Breakdown — New Hampshire, 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
New Hampshire State Income Tax No state income tax $0.00
Total Tax 9.9% effective −$2,061.20
Net Take-Home $18,739

How Does New Hampshire 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 New Hampshire — $10/hr →

Equivalent Annual Salary Pages

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

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

Adjacent Rates in New Hampshire

$11/hr in New Hampshire$12/hr in New Hampshire$13/hr in New Hampshire

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 New Hampshire

✗ Difficult — $10/hr falls short in New Hampshire
  • Avg 1BR rent in Manchester: $1,500/mo — over the 30% rule (87% of gross monthly)
  • Minimum comfortable income in New Hampshire: $50,000/yr
  • Your net annual: $18,739 ($31,261 below comfortable threshold)
  • Purchasing power equivalent in Texas: ~$8.4/hr

Working at $10/hr in New Hampshire

No income tax on wages and no sales tax means this wage goes further than anywhere else in the Northeast. Manchester 1BR rents average $1,400/month — higher than most Southern cities but far below Boston. The proximity to Boston's job market while paying NH's lower taxes is the core financial advantage.

At ${rate}/hr, you work roughly 167 hours each month to cover a typical 1BR in Manchester (${rent.toLocaleString()}/mo) -- that's above the 30% gross income guideline. This wage is 1.4x New Hampshire's federal minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in New Hampshire is 9.9% -- federal income tax accounts for 2.3%, FICA 7.6% (no New Hampshire state income tax).

New Hampshire's economy benefits from its proximity to Boston — many residents commute to Massachusetts while living in a lower-tax state. Healthcare, manufacturing, tourism, and finance are major sectors. The state has consistently low unemployment.

New Hampshire has no tax on wages or salaries — completely eliminated. It also has no sales tax. The combination makes New Hampshire the lowest-tax state in the Northeast by a significant margin. (Investment income is still taxed at 3%, phasing out.)

New Hampshire follows the federal minimum wage of $7.25/hr.

Monthly Budget on $10/hr in New Hampshire

Based on $1,562/month take-home. Percentages follow common 50/30/20 guidelines adjusted for New Hampshire's cost of living.

Category Monthly Annual % of Net
Rent / Housing $1,500 $18,000 96.1%
Food (groceries + dining) $187 $2,244 12.0%
Transportation $156 $1,872 10.0%
Utilities $94 $1,128 6.0%
Healthcare $78 $936 5.0%
Entertainment $78 $936 5.0%
Savings (10% target) $156 $1,872 10.0%
Remaining / Surplus $-687 $-8,244 -44.0%

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

Overtime Pay — $10/hr in New Hampshire

At time-and-a-half ($15.00/hr), here's what overtime adds to your annual net income in New Hampshire. Your marginal tax rate at this income level is ~11.5%.

Extra Hours/Week OT Gross/Week Net/Week (est.) Added Net/Year
5 hrs/week $75 $66 $3,300
10 hrs/week $150 $133 $6,650
20 hrs/week $300 $266 $13,300

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 $9.01 net hourly rate for the true cost in time.

Purchase Price Gross Hours Net Hours
Tank of gas (12 gal) $50 5 hrs 5.6 hrs
Week of groceries $120 12 hrs 13.4 hrs
iPhone 16 (base) $799 79.9 hrs 88.7 hrs
1 month rent (Manchester) $1,500 150 hrs 166.5 hrs
Used car ($10k) $10,000 1000 hrs 1110 hrs
Median new car ($48k) $48,000 4800 hrs 5328 hrs

Frequently Asked Questions

10 an hour -- is it a good wage in New Hampshire?

10/hr in New Hampshire gives you $18,739/year after taxes -- below what's needed for comfortable living in New Hampshire. Avg 1BR rent in Manchester: $1,500/month (exceeds the 30% rule).

What is 10 an hour after taxes in New Hampshire?

10/hr in New Hampshire = $18,739/year or $1,562/month net. Effective rate: 9.9%.

How does 10/hr go further -- New Hampshire or Texas?

10/hr in New Hampshire has similar purchasing power to ~8.4/hr in Texas.

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

On $1,562/month in New Hampshire: rent $1,500, food $187, transport $156, savings $156, surplus ~$0.

How much does overtime add at 10/hr in New Hampshire?

At 1.5x (15.00/hr OT), 5 extra hrs/week adds ~$3,300/year net; 10 hrs/week adds ~$6,650/year.