2026 Tax Year · Single Filer · Vermont

$10 an Hour in Vermont — 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 Vermont state income tax, your take-home pay is $8.78/hr. In Vermont's high cost-of-living environment, this is below what's needed for comfortable living in Vermont.

Gross Annual
$20,800
Net Annual
$18,260
Net Monthly
$1,522
Net Hourly
$8.78

Pay Period Breakdown

Period Gross Tax Net
Hourly $10.00 $1.22 $8.78
Daily (8 hrs) $80.00 $9.77 $70.23
Weekly (40 hrs) $400.00 $48.85 $351.15
Biweekly $800.00 $97.70 $702.30
Monthly $1,733.33 $211.69 $1,521.65
Annual $20,800 $2,540 $18,260

Full Tax Breakdown — Vermont, 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
Vermont Standard Deduction Single 2026 −$6,500
Vermont State Income Tax 2.3% −$479.05
Total Tax 12.2% effective −$2,540.25
Net Take-Home $18,260

How Does Vermont 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 Vermont — $10/hr →

Equivalent Annual Salary Pages

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

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

Adjacent Rates in Vermont

$11/hr in Vermont$12/hr in Vermont$13/hr in Vermont

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 Vermont

✗ Difficult — $10/hr falls short in Vermont
  • Avg 1BR rent in Burlington: $1,400/mo — over the 30% rule (81% of gross monthly)
  • Minimum comfortable income in Vermont: $48,000/yr
  • Your net annual: $18,260 ($29,740 below comfortable threshold)
  • Purchasing power equivalent in Texas: ~$8.8/hr

Working at $10/hr in Vermont

Vermont has a high minimum wage and tight labor market — workers at this level are in demand. Burlington 1BR rents average $1,500/month. The progressive income tax starts modestly at 3.35%, but escalates. Vermont's quality of life is exceptional but financially constraining at lower wages.

At ${rate}/hr, you work roughly 160 hours each month to cover a typical 1BR in Burlington (${rent.toLocaleString()}/mo) -- that's above the 30% gross income guideline. This wage is 0.7x Vermont's minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in Vermont is 12.2% -- federal income tax accounts for 2.3%, FICA 7.6%, and Vermont state tax 2.3%.

Vermont has a small, high-quality economy centered on healthcare, education, tourism (skiing, fall foliage), technology, and specialty food/agriculture (Ben & Jerry's). The labor market is very tight due to the small, aging population. Remote work has increased Vermont's attractiveness.

Vermont has a progressive income tax with rates from 3.35% to 8.75%. The top rate applies at $204k+, but the 6.6% bracket starts around $41k for single filers — creating a meaningful mid-income burden.

Vermont's minimum wage is $14.01/hr (2026), indexed to inflation.

Monthly Budget on $10/hr in Vermont

Based on $1,522/month take-home. Percentages follow common 50/30/20 guidelines adjusted for Vermont's cost of living.

Category Monthly Annual % of Net
Rent / Housing $1,400 $16,800 92.0%
Food (groceries + dining) $183 $2,196 12.0%
Transportation $152 $1,824 10.0%
Utilities $91 $1,092 6.0%
Healthcare $76 $912 5.0%
Entertainment $76 $912 5.0%
Savings (10% target) $152 $1,824 10.0%
Remaining / Surplus $-608 $-7,296 -40.0%

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

Overtime Pay — $10/hr in Vermont

At time-and-a-half ($15.00/hr), here's what overtime adds to your annual net income in Vermont. Your marginal tax rate at this income level is ~14.8%.

Extra Hours/Week OT Gross/Week Net/Week (est.) Added Net/Year
5 hrs/week $75 $64 $3,200
10 hrs/week $150 $128 $6,400
20 hrs/week $300 $256 $12,800

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 $8.78 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 13.7 hrs
iPhone 16 (base) $799 79.9 hrs 91.1 hrs
1 month rent (Burlington) $1,400 140 hrs 159.5 hrs
Used car ($10k) $10,000 1000 hrs 1139.2 hrs
Median new car ($48k) $48,000 4800 hrs 5467.8 hrs

Frequently Asked Questions

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

10/hr in Vermont gives you $18,260/year after taxes -- below what's needed for comfortable living in Vermont. Avg 1BR rent in Burlington: $1,400/month (exceeds the 30% rule).

What is 10 an hour after taxes in Vermont?

10/hr in Vermont = $18,260/year or $1,522/month net. Effective rate: 12.2%.

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

10/hr in Vermont has similar purchasing power to ~8.8/hr in Texas.

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

On $1,522/month in Vermont: rent $1,400, food $183, transport $152, savings $152, surplus ~$0.

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

At 1.5x (15.00/hr OT), 5 extra hrs/week adds ~$3,200/year net; 10 hrs/week adds ~$6,400/year.