2026 Tax Year · Single Filer · Arizona

$13 an Hour in Arizona — After-Tax Take-Home (2026)

At $13/hour (2,080 hours/year), your gross annual income is $27,040. After federal income tax, Social Security, Medicare, and Arizona state income tax, your take-home pay is $11.35/hr. In Arizona's medium cost-of-living environment, this is below what's needed for comfortable living in Arizona.

Gross Annual
$27,040
Net Annual
$23,604
Net Monthly
$1,967
Net Hourly
$11.35

Pay Period Breakdown

Period Gross Tax Net
Hourly $13.00 $1.65 $11.35
Daily (8 hrs) $104.00 $13.22 $90.78
Weekly (40 hrs) $520.00 $66.08 $453.92
Biweekly $1,040.00 $132.16 $907.84
Monthly $2,253.33 $286.34 $1,967.00
Annual $27,040 $3,436 $23,604

Full Tax Breakdown — Arizona, Single Filer

Item Rate / Notes Amount
Gross Annual Income $13/hr × 2,080 hrs $27,040
Federal Standard Deduction Single 2026 −$16,100
Federal Taxable Income $10,940
Federal Income Tax 4.0% −$1,094.00
Social Security (6.2%) up to $168,600 −$1,676.48
Medicare (1.45%) −$392.08
Arizona Standard Deduction Single 2026 −$16,100
Arizona State Income Tax 1.0% −$273.50
Total Tax 12.7% effective −$3,436.06
Net Take-Home $23,604

How Does Arizona Compare?

See how $13/hr take-home differs in other states at the same wage:

State State Tax Net Monthly Net Annual
California $329.20 $1,962/mo $23,548 Florida None $1,990/mo $23,877 New York $771.05 $1,926/mo $23,106 Texas None $1,990/mo $23,877 Washington None $1,990/mo $23,877
Open Full Calculator for Arizona — $13/hr →

Equivalent Annual Salary Pages

$13/hr = $27,040/year gross. See the full state-by-state salary breakdown:

$27,040 salary in Arizona — full breakdown $27,040 after tax in Arizona $27,040 salary to hourly Arizona paycheck calculator

Adjacent Rates in Arizona

$10/hr in Arizona$11/hr in Arizona$12/hr in Arizona$14/hr in Arizona$15/hr in Arizona$16/hr in Arizona

Same Rate, Other States

$13/hr in Alabama$13/hr in Alaska$13/hr in Arkansas$13/hr in California$13/hr in Colorado$13/hr in Connecticut

Cost of Living in Arizona

✗ Difficult — $13/hr falls short in Arizona
  • Avg 1BR rent in Phoenix: $1,350/mo — over the 30% rule (60% of gross monthly)
  • Minimum comfortable income in Arizona: $42,000/yr
  • Your net annual: $23,604 ($18,396 below comfortable threshold)
  • Purchasing power equivalent in Texas: ~$13/hr

Working at $13/hr in Arizona

Arizona's flat 2.5% income tax is one of the lowest in the country, so you keep more of your paycheck than in most states at this wage level. Phoenix rents have risen sharply since 2020, but suburbs like Mesa and Chandler remain more affordable.

At ${rate}/hr, you work roughly 119 hours each month to cover a typical 1BR in Phoenix (${rent.toLocaleString()}/mo) -- that's above the 30% gross income guideline. This wage is 0.9x Arizona's minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in Arizona is 12.7% -- federal income tax accounts for 4.0%, FICA 7.6%, and Arizona state tax 1.0%.

Arizona's economy has grown rapidly, led by semiconductor manufacturing (TSMC's Phoenix fab), real estate, tourism, and healthcare. The Phoenix metro is one of the fastest-growing job markets in the US.

Arizona simplified to a flat 2.5% income tax rate in 2023 — one of the lowest flat rates in the country. This means workers at all income levels pay the same low effective state rate.

Arizona's minimum wage is $14.70/hr (2026), adjusted annually for inflation.

Monthly Budget on $13/hr in Arizona

Based on $1,967/month take-home. Percentages follow common 50/30/20 guidelines adjusted for Arizona's cost of living.

Category Monthly Annual % of Net
Rent / Housing $1,350 $16,200 68.6%
Food (groceries + dining) $236 $2,832 12.0%
Transportation $197 $2,364 10.0%
Utilities $118 $1,416 6.0%
Healthcare $98 $1,176 5.0%
Entertainment $98 $1,176 5.0%
Savings (10% target) $197 $2,364 10.0%
Remaining / Surplus $-327 $-3,924 -16.6%

⚠ This budget is underwater — rent alone exceeds the 30% guideline in Arizona at $13/hr. Consider roommates, lower-cost areas, or targeting a higher wage to reach balance.

Overtime Pay — $13/hr in Arizona

At time-and-a-half ($19.50/hr), here's what overtime adds to your annual net income in Arizona. Your marginal tax rate at this income level is ~14.0%.

Extra Hours/Week OT Gross/Week Net/Week (est.) Added Net/Year
5 hrs/week $98 $84 $4,200
10 hrs/week $195 $168 $8,400
20 hrs/week $390 $336 $16,800

Hours to Afford Common Purchases at $13/hr

How many hours of work (gross) to buy common items. Actual cost in after-tax hours is higher — divide by your $11.35 net hourly rate for the true cost in time.

Purchase Price Gross Hours Net Hours
Tank of gas (12 gal) $50 3.9 hrs 4.5 hrs
Week of groceries $120 9.3 hrs 10.6 hrs
iPhone 16 (base) $799 61.5 hrs 70.5 hrs
1 month rent (Phoenix) $1,350 103.9 hrs 119 hrs
Used car ($10k) $10,000 769.3 hrs 881.3 hrs
Median new car ($48k) $48,000 3692.4 hrs 4229.9 hrs

Frequently Asked Questions

13 an hour -- is it a good wage in Arizona?

13/hr in Arizona gives you $23,604/year after taxes -- below what's needed for comfortable living in Arizona. Avg 1BR rent in Phoenix: $1,350/month (exceeds the 30% rule).

What is 13 an hour after taxes in Arizona?

13/hr in Arizona = $23,604/year or $1,967/month net. Effective rate: 12.7%.

How does 13/hr go further -- Arizona or Texas?

13/hr in Arizona has similar purchasing power to ~13/hr in Texas.

What does 13/hr look like as a monthly budget in Arizona?

On $1,967/month in Arizona: rent $1,350, food $236, transport $197, savings $197, surplus ~$0.

How much does overtime add at 13/hr in Arizona?

At 1.5x (19.50/hr OT), 5 extra hrs/week adds ~$4,200/year net; 10 hrs/week adds ~$8,400/year.