2026 Tax Year · Single Filer · Virginia

$27 an Hour in Virginia — 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 Virginia state income tax, your take-home pay is $21.54/hr. In Virginia's high cost-of-living environment, this is enough to get by in Virginia, though budget carefully.

Gross Annual

$56,160

Net Annual
$44,793

Net Monthly

$3,733

Net Hourly

$21.54

Pay Period Breakdown

Hourly $27.00 $5.46 $21.54

Daily (8 hrs) $216.00 $43.72 $172.28

Weekly (40 hrs) $1,080.00 $218.60 $861.40

Biweekly $2,160.00 $437.20 $1,722.80

Monthly $4,680.00 $947.26 $3,732.74

Annual $56,160 $11,367 $44,793

Full Tax Breakdown — Virginia, 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

Virginia Standard Deduction Single 2026 −$8,000

Virginia State Income Tax 4.5% −$2,511.70

Total Tax 20.2% effective −$11,367.14

Net Take-Home $44,793

How Does Virginia 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 Virginia — $27/hr →

Equivalent Annual Salary Pages

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

Adjacent Rates in Virginia

Same Rate, Other States

Cost of Living in Virginia

⚠ Tight — $27/hr is borderline in Virginia

Avg 1BR rent in Richmond: $1,500/mo — over the 30% rule (32% of gross monthly)
Minimum comfortable income in Virginia: $50,000/yr
Your net annual: $44,793 ($5,207 below comfortable threshold)
Purchasing power equivalent in Texas: ~$22.7/hr

Working at $27/hr in Virginia

At this level in Virginia, the Amazon HQ2 effect has been significant — tech wages in Northern Virginia have risen to compete with San Francisco and Seattle, but at Virginia's 5.75% max state rate (vs California's 13.3%). This creates one of the best net-of-tax high-wage positions on the East Coast for tech workers.

At $27/hr, you work roughly 70 hours each month to cover a typical 1BR in Richmond ($1,500/mo) -- that's above the 30% gross income guideline. This wage is 2.0x Virginia's minimum wage of $13.5/hr. Your combined effective tax rate at $27/hr in Virginia is 20.2% -- federal income tax accounts for 8.1%, FICA 7.6%, and Virginia state tax 4.5%.

Virginia's economy is heavily influenced by the federal government — Northern Virginia (Arlington, Fairfax, Alexandria) hosts the Pentagon, CIA, NSA, and thousands of defense contractors. Amazon HQ2 in Arlington has accelerated tech growth. Outside NoVA, Richmond has a growing finance and healthcare sector; Hampton Roads has a major military and defense presence.

Virginia has a progressive income tax with rates from 2% to 5.75%. The standard deduction is $8,000 for single filers. NoVA workers benefit from Virginia's rates while working near DC's salaries — a significant advantage over Maryland residents who also pay county income taxes.

Virginia's minimum wage is $13.50/hr (2026).

Monthly Budget on $27/hr in Virginia

Based on $3,733/month take-home. Percentages follow common 50/30/20 guidelines adjusted for Virginia's cost of living.

Rent / Housing $1,500 $18,000 40.2%

Food (groceries + dining) $448 $5,376 12.0%

Transportation $373 $4,476 10.0%

Utilities $224 $2,688 6.0%

Healthcare $187 $2,244 5.0%

Entertainment $187 $2,244 5.0%

Savings (10% target) $373 $4,476 10.0%

Remaining / Surplus $441 $5,292 11.8%

Overtime Pay — $27/hr in Virginia

At time-and-a-half ($40.50/hr), here's what overtime adds to your annual net income in Virginia. Your marginal tax rate at this income level is ~19.2%.

5 hrs/week $203 $164 $8,200

10 hrs/week $405 $327 $16,350

20 hrs/week $810 $654 $32,700

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 $21.54 net hourly rate for the true cost in time.

Tank of gas (12 gal) $50 1.9 hrs 2.4 hrs

Week of groceries $120 4.5 hrs 5.6 hrs

iPhone 16 (base) $799 29.6 hrs 37.2 hrs

1 month rent (Richmond) $1,500 55.6 hrs 69.7 hrs

Used car ($10k) $10,000 370.4 hrs 464.4 hrs

Median new car ($48k) $48,000 1777.8 hrs 2229 hrs

What Jobs Pay $27/hr in Virginia?

At $27/hour, you earn 0% above the estimated median hourly wage in Virginia. 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 Virginia. The Richmond 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 Virginia, you are earning a functional wage but have limited financial cushion. Your $44,793 net income is close to the $50,000 comfortable living threshold -- deliberate budgeting is essential.

Geographic Wage Variation Within Virginia

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

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

Virginia average$27/hrBaselineThis page's figures

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

When choosing between metro and rural Virginia 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 Virginia

Saving $373/month (10% of net), here is how long it takes to reach common financial milestones from a starting balance of zero:

Weekend getaway$3,0009 monthsFlights + hotel, domestic

3-month emergency fund$8,19622 monthsCore expenses only

6-month emergency fund$16,39244 monthsFull financial cushion

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

New car down payment$25,00068 months~50% down to minimize payments

Home down payment$7,50021 months10% on a starter home in Virginia

Your monthly budget surplus of $441 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 Virginia

Allocating 15% of net monthly income ($560/month) toward debt repayment is sustainable while still allowing for savings and essentials.

Credit card$5,000$5609 months

Student loan$30,000$56054 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 $598 in taxes at your 17.8% marginal rate -- your actual out-of-pocket cost is only $2,772/year. If your employer matches up to 6%, that match is $3,370 in additional annual compensation -- never leave it uncaptured.

Saving $4,476/year and investing at a 7% average annual return builds significant wealth over time:

5 years$22,380$23,723$1,343 interest

10 years$44,760$47,580$2,820 interest

20 years$89,520$95,965$6,445 interest

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

A $1/hr raise adds $1,681 to your annual net take-home in Virginia after taxes. Your marginal rate on additional income is approximately 19.2%, so you keep 80.8% of every extra dollar earned.

$1/hr raise$28/hr$1,681$140

5% raise$28.4/hr$2,353$196

10% raise$29.7/hr$4,538$378

Frequently Asked Questions

Is 27 an hour a good wage in Virginia?

27/hr in Virginia gives you $44,793/year after taxes -- enough to get by in Virginia, though budget carefully. Avg 1BR rent in Richmond: $1,500/month (exceeds the 30% rule). It places you 0% above the estimated state median wage.

What is 27 an hour after taxes in Virginia?

27/hr in Virginia = $44,793/year or $3,733/month net. Effective tax rate: 20.2%, made up of 8.1% federal, 7.6% FICA, and 4.5% Virginia state tax.

What jobs pay 27 an hour in Virginia?

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

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

27/hr in Virginia has similar purchasing power to ~22.7/hr in Texas. Virginia state income tax reduces take-home vs Texas.

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

Saving $373/month (10% of net), you reach a 3-month emergency fund of $8,196 in 22 months. A 6-month fund takes 44 months.

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

A 6% contribution ($3,370/year) saves $598 in taxes at your 17.8% marginal rate. Your net out-of-pocket cost is only $2,772/year -- and if your employer matches, it is essentially free money.

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

A $1/hr raise adds $1,681/year to your net take-home in Virginia after the 19.2% marginal tax rate. You keep 80.8% of every additional dollar earned.

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

At 27/hr in Virginia, your total effective tax rate is 20.2%: federal income tax 8.1%, Social Security 6.2%, Medicare 1.5%, and Virginia state tax 4.5%. You keep 79.8% of every gross dollar.

Can you afford rent in Richmond on 27/hr?

The average 1BR in Richmond is $1,500/month. At 27/hr, rent consumes 32% of your gross monthly pay -- above the 30% affordability guideline. Your net hourly rate of $21.54 means you work 70 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 Virginia, your net annual income is $44,793 -- an effective take-home rate of 79.8%.