Working full time at $10 an hour ($20,800 a year) in Utah, a single filer takes home about $18,739 a year, $1,562 a month or $9.01 an hour, after federal tax, FICA and $0 Utah income tax.
#11 of 51for take-home at this pay
Where the money goes
Breakdown
| Yearly | Monthly | |
|---|---|---|
| Gross pay | $20,800 | $1,733 |
| Federal income tax | $470 | $39 |
| Social Security (6.2%) | $1,290 | $107 |
| Medicare | $302 | $25 |
| Utah income tax | $0 | $0 |
| Take-home | $18,739 | $1,562 |
| Federal marginal rate | 10% | |
| Utah marginal rate | 4.50% |
Same pay in other states
Highest take-home at this pay: Alaska. Middle: Louisiana. Lowest: Oregon.
Your tax bracket at this pay
Your federal taxable income is about $4,700 (after the $16,100 standard deduction), which puts the top slice of your pay in the 10% bracket ($0 to $12,400). You have about $7,700 of room before the next dollar is taxed at 12%. Only that top slice is taxed at 10%: your average federal rate is 2.3%, and all taxes together (federal, FICA) take 9.9% of gross pay. A $1,000 raise would add about $808 to your take-home.
| Federal bracket | Your income in it | Tax |
|---|---|---|
| 10% on $0–$12,400 | $4,700 | $470 |
| Rate | Federal | Combined with state and FICA |
|---|---|---|
| Marginal (next dollar) | 10% | 22.2% |
| Effective (average) | 2.3% | 9.9% |
Compared with the Utah median
$20,800 is 22% of the Utah median household income of $95,166 (Census ACS 2020–2024 median; households can have more than one earner, so a single salary is not directly comparable).
Affordability snapshot
| Amount | |
|---|---|
| Rent budget (30% of gross) | $520/mo |
| Home price at 30% of gross (10% down) | $75,000 |
| Utah median home value | $489,400 (Census 2020–2024) |
Rule of thumb only: housing at 30% of gross monthly pay. Home price assumes a 30-year fixed at the Freddie Mac average of 7.40% (week of 2026-10-15), 10% down, the Utah median effective property tax rate and about 0.35% a year for insurance. Lenders also weigh debts, credit and PMI.
401(k) and HSA effect
| Contribution | Saved | Take-home cut | Tax saved |
|---|---|---|---|
| 6% to a 401(k) ($1,248/yr) | $1,248 | $1,123 | $125 |
| Max HSA, self-only ($4,400, via payroll) | $4,400 | $3,623 | $777 |
Pre-tax 401(k) deferrals cut federal income tax but not Social Security or Medicare; payroll HSA contributions also skip FICA. 2026 limits: 401(k) $24,500 (under 50), HSA $4,400 self-only (IRS).
What applies at this income
- All of your taxable income sits in the lowest 10% federal bracket.
- You are under the 2026 Roth IRA income limit for single filers ($153,000 of modified AGI), so you can contribute the full amount.
- Maxing out a 401(k) ($24,500) would take more than half your gross pay at this level, so most people here contribute a percentage instead.
- Utah's deductions and lower brackets keep your state tax under 2% of pay, even though your top state rate is 4.50%.
Utah jobs that typically pay about $20,800
$20,800 is above the median pay of 0 of the 99 common occupations we track in Utah (BLS OEWS, May 2025). The closest are:
| Occupation | Utah median | vs this pay |
|---|---|---|
| Driver/Sales Workers | $26,590 | +$5,790 |
| Dining Room and Cafeteria Attendants and Bartender Helpers | $27,010 | +$6,210 |
| Amusement and Recreation Attendants | $28,000 | +$7,200 |
Where $20,800 lands inside other Utah jobs
for 8, it is entry-level pay (10th–25th percentile).
| Occupation | Percentile | Utah pay at that percentile |
|---|---|---|
| Bartenders | 25th | $21,230 |
| Dishwashers | 10th | $21,940 |
| Fast Food and Counter Workers | 10th | $21,980 |
| Hosts and Hostesses, Restaurant, Lounge, and Coffee Shop | 10th | $22,040 |
| Waiters and Waitresses | 25th | $22,470 |
| Hand Packers and Packagers | 10th | $22,880 |
| Childcare Workers | 10th | $23,040 |
| Cashiers | 10th | $23,530 |
Previous and next pay level
Related
Single filer, W-2 wages only; 2026 IRS brackets and $16,100 standard deduction, FICA (Social Security to $184,500, Medicare +0.9% over $200,000) and state rules per the Tax Foundation (Jan 1, 2026). Local taxes and payroll deductions are excluded. Sources: IRS, SSA, Tax Foundation. Not tax advice.
Frequently asked questions
How much is $10 an hour after taxes in Utah?
Working full time at $10 an hour ($20,800 a year) in Utah, a single filer takes home about $18,739 a year, $1,562 a month or $9.01 an hour, after federal tax, FICA and $0 Utah income tax.
How much is $10 an hour per month after taxes in Utah?
About $1,562 a month, or $721 per biweekly paycheck.
How much state tax do I pay on $10 an hour in Utah?
About $0 a year (marginal rate 4.50%).