2026 Tax Year · Single Filer · Vermont

$27 an Hour in Vermont — After-Tax Take-Home (2026)

At $27/hour (2,080 hours/year), your gross annual income is $56,160. After federal income tax, Social Security, Medicare, and Vermont state income tax, your take-home pay is $21.88/hr. In Vermont's high cost-of-living environment, this is enough to get by in Vermont, though budget carefully.

Gross Annual

$56,160

Net Annual
$45,503

Net Monthly

$3,792

Net Hourly

$21.88

Pay Period Breakdown

Hourly $27.00 $5.12 $21.88

Daily (8 hrs) $216.00 $40.99 $175.01

Weekly (40 hrs) $1,080.00 $204.95 $875.05

Biweekly $2,160.00 $409.90 $1,750.10

Monthly $4,680.00 $888.12 $3,791.88

Annual $56,160 $10,657 $45,503

Full Tax Breakdown — Vermont, Single Filer

Gross Annual Income $27/hr × 2,080 hrs $56,160

Federal Standard Deduction Single 2026 −$16,100

Federal Taxable Income $40,060

Federal Income Tax 8.1% −$4,559.20

Social Security (6.2%) up to $184,500 −$3,481.92

Medicare (1.45%) −$814.32

Vermont Standard Deduction Single 2026 −$6,500

Vermont State Income Tax 3.2% −$1,802.06

Total Tax 19.0% effective −$10,657.50

Net Take-Home $45,503

How Does Vermont Compare?

See how $27/hr take-home differs in other states at the same wage:

California $1,635.04 $3,806/mo $45,670 Florida None $3,942/mo $47,305 New York $2,387.21 $3,743/mo $44,917 Texas None $3,942/mo $47,305 Washington None $3,942/mo $47,305

Open Full Calculator for Vermont — $27/hr →

Equivalent Annual Salary Pages

$27/hr = $56,160/year gross. See the full state-by-state salary breakdown:

Adjacent Rates in Vermont

Same Rate, Other States

Cost of Living in Vermont

⚠ Tight — $27/hr is borderline in Vermont

Avg 1BR rent in Burlington: $1,400/mo — within budget (30% of gross monthly)
Minimum comfortable income in Vermont: $48,000/yr
Your net annual: $45,503 ($2,498 below comfortable threshold)
Purchasing power equivalent in Texas: ~$23.6/hr

Working at $27/hr in Vermont

At this level in Vermont the 8.75% top rate creates a significant burden. Healthcare and remote tech workers command these rates. Vermont's small size and tight labor market mean skilled workers have real negotiating leverage.

At $27/hr, you work roughly 64 hours each month to cover a typical 1BR in Burlington ($1,400/mo) -- that's within the 30% gross income guideline. This wage is 1.9x Vermont's minimum wage of $14.01/hr. Your combined effective tax rate at $27/hr in Vermont is 19.0% -- federal income tax accounts for 8.1%, FICA 7.6%, and Vermont state tax 3.2%.

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 $27/hr in Vermont

Based on $3,792/month take-home. Percentages follow common 50/30/20 guidelines adjusted for Vermont's cost of living.

Rent / Housing $1,400 $16,800 36.9%

Food (groceries + dining) $455 $5,460 12.0%

Transportation $379 $4,548 10.0%

Utilities $228 $2,736 6.0%

Healthcare $190 $2,280 5.0%

Entertainment $190 $2,280 5.0%

Savings (10% target) $379 $4,548 10.0%

Remaining / Surplus $571 $6,852 15.1%

Overtime Pay — $27/hr in Vermont

At time-and-a-half ($40.50/hr), here's what overtime adds to your annual net income in Vermont. Your marginal tax rate at this income level is ~20.1%.

5 hrs/week $203 $162 $8,100

10 hrs/week $405 $324 $16,200

20 hrs/week $810 $648 $32,400

Hours to Afford Common Purchases at $27/hr

How many hours of work (gross) to buy common items. Actual cost in after-tax hours is higher — divide by your $21.88 net hourly rate for the true cost in time.

Tank of gas (12 gal) $50 1.9 hrs 2.3 hrs

Week of groceries $120 4.5 hrs 5.5 hrs

iPhone 16 (base) $799 29.6 hrs 36.6 hrs

1 month rent (Burlington) $1,400 51.9 hrs 64 hrs

Used car ($10k) $10,000 370.4 hrs 457.2 hrs

Median new car ($48k) $48,000 1777.8 hrs 2194.2 hrs

What Jobs Pay $27/hr in Vermont?

At $27/hour, you earn 0% above the estimated median hourly wage in Vermont. Jobs that commonly pay around this rate include:

electrician journeyman, radiologic technologist, licensed practical nurse, IT support specialist, respiratory therapist, construction supervisor

These figures reflect statewide averages for Vermont. The Burlington metro area typically pays 18% more than rural parts of the state for the same role. Specialized certifications, union membership, or government employment at this wage tier often add meaningful benefits that raise total compensation above the base hourly figure.

At 27/hr in Vermont, you are earning a functional wage but have limited financial cushion. Your $45,503 net income is close to the $48,000 comfortable living threshold -- deliberate budgeting is essential.

Geographic Wage Variation Within Vermont

The $27/hr figure reflects a statewide average. Wages for the same job title can differ significantly by location within Vermont. The Burlington metro area generally commands a 18% premium over the state average, while rural areas typically pay 9% less.

Burlington metro$31.9/hr+18%Higher pay, higher COL

Vermont average$27/hrBaselineThis page's figures

Rural Vermont$24.6/hr-9%Lower pay, lower COL

When choosing between metro and rural Vermont at this wage tier, compare net monthly surplus rather than gross hourly rates. Rural areas have lower rent, shorter commutes, and lower day-to-day costs -- the purchasing power difference is often smaller than the raw wage gap suggests.

Savings Goals at $27/hr in Vermont

Saving $379/month (10% of net), here is how long it takes to reach common financial milestones from a starting balance of zero:

Weekend getaway$3,0008 monthsFlights + hotel, domestic

3-month emergency fund$7,95621 monthsCore expenses only

6-month emergency fund$15,91242 monthsFull financial cushion

Used car (no loan)$8,00022 monthsReliable used vehicle

New car down payment$25,00066 months~50% down to minimize payments

Home down payment$7,20019 months10% on a starter home in Vermont

Your monthly budget surplus of $571 means you can accelerate these timelines by directing extra cash beyond the 10% baseline. Automating transfers on payday is the most reliable way to stay consistent.

Debt Payoff on $27/hr in Vermont

Allocating 15% of net monthly income ($569/month) toward debt repayment is sustainable while still allowing for savings and essentials.

Credit card$5,000$5699 months

Student loan$30,000$56953 months

These timelines exclude interest, which meaningfully extends payoff for high-APR credit cards. Prioritize high-interest debt first. Even an extra $50/month toward a credit card balance can cut months off your payoff timeline and save hundreds in interest.

401(k) and Retirement at $27/hr

Contributing 6% ($3,370/year) to a pre-tax 401(k) saves you $627 in taxes at your 18.6% marginal rate -- your actual out-of-pocket cost is only $2,743/year. If your employer matches up to 6%, that match is $3,370 in additional annual compensation -- never leave it uncaptured.

Saving $4,548/year and investing at a 7% average annual return builds significant wealth over time:

5 years$22,740$24,104$1,364 interest

10 years$45,480$48,345$2,865 interest

20 years$90,960$97,509$6,549 interest

What Would a Raise Mean at $27/hr in Vermont?

A $1/hr raise adds $1,663 to your annual net take-home in Vermont after taxes. Your marginal rate on additional income is approximately 20.1%, so you keep 80.0% of every extra dollar earned.

$1/hr raise$28/hr$1,663$139

5% raise$28.4/hr$2,328$194

10% raise$29.7/hr$4,490$374

Frequently Asked Questions

Is 27 an hour a good wage in Vermont?

27/hr in Vermont gives you $45,503/year after taxes -- enough to get by in Vermont, though budget carefully. Avg 1BR rent in Burlington: $1,400/month (within the 30% rule). It places you 0% above the estimated state median wage.

What is 27 an hour after taxes in Vermont?

27/hr in Vermont = $45,503/year or $3,792/month net. Effective tax rate: 19.0%, made up of 8.1% federal, 7.6% FICA, and 3.2% Vermont state tax.

What jobs pay 27 an hour in Vermont?

Common roles at 27/hr in Vermont include dental assistant, LPN, IT support specialist. Metro areas like Burlington typically pay 18% more for the same role.

How does 27/hr go further -- Vermont or Texas?

27/hr in Vermont has similar purchasing power to ~23.6/hr in Texas. Vermont state income tax reduces take-home vs Texas.

How long to build an emergency fund at 27/hr in Vermont?

Saving $379/month (10% of net), you reach a 3-month emergency fund of $7,956 in 21 months. A 6-month fund takes 42 months.

What does a 401(k) cost at 27/hr in Vermont?

A 6% contribution ($3,370/year) saves $627 in taxes at your 18.6% marginal rate. Your net out-of-pocket cost is only $2,743/year -- and if your employer matches, it is essentially free money.

What does a $1/hr raise mean at 27/hr in Vermont?

A $1/hr raise adds $1,663/year to your net take-home in Vermont after the 20.1% marginal tax rate. You keep 80.0% of every additional dollar earned.

What is the effective tax rate at 27/hr in Vermont?

At 27/hr in Vermont, your total effective tax rate is 19.0%: federal income tax 8.1%, Social Security 6.2%, Medicare 1.5%, and Vermont state tax 3.2%. You keep 81.0% of every gross dollar.

Can you afford rent in Burlington on 27/hr?

The average 1BR in Burlington is $1,400/month. At 27/hr, rent consumes 30% of your gross monthly pay -- within the recommended 30% ceiling. Your net hourly rate of $21.88 means you work 64 hours per month to cover rent.

What does 27/hr look like as an annual salary?

27/hr times 2,080 hours equals $56,160/year gross. After all taxes in Vermont, your net annual income is $45,503 -- an effective take-home rate of 81.0%.