$38 an Hour Is How Much a Year?
$38 an hour is $79,040 a year if you work 40 hours a week for 52 weeks. That is $6,586.67 a month, $3,040 every two weeks, $1,520 a week and $304 for an 8-hour day, before taxes.
After federal income tax, Social Security and Medicare, a single filer keeps about $64,434.76 a year ($2,478.26 every two weeks) in a state with no income tax. With state taxes it ranges from $58,551.48 in Oregon to $64,434.76 in Florida, Nevada, New Hampshire and other states without an income tax.
$38 an hour after taxes in your state
40 hours a week, single filer, 2026 federal and state taxes.
$38 an hour before taxes
| Per year | $79,040 |
|---|---|
| Per month | $6,586.67 |
| Twice a month | $3,293.33 |
| Every two weeks | $3,040 |
| Per week | $1,520 |
| Per day (8 hours) | $304 |
40 hours a week, 52 paid weeks (2,080 hours a year), no overtime.
Other schedules at $38 an hour
| Hours | Per year | Per month |
|---|---|---|
| 20 hours a week (part time) | $39,520 | $3,293.33 |
| 30 hours a week | $59,280 | $4,940 |
| 35 hours a week | $69,160 | $5,763.33 |
| 40 hours, 50 paid weeks | $76,000 | $6,333.33 |
| 40 hours a week | $79,040 | $6,586.67 |
| 45 hours a week (5 hours of overtime at $57) | $93,860 | $7,821.67 |
Overtime is time and a half for hours over 40 in a week under federal law. Some states also pay daily overtime.
How $38 an hour compares
$38 an hour is 55% above the median hourly wage for all US workers, $24.51 in May 2025: more than what the typical worker earns. Source
Roughly 74% of US workers earn less than $38 an hour (BLS national wage percentiles: 10% earn under $15.00, 25% under $18.07, half under $24.51, 75% under $38.71 and 90% under $61.81). Source
It is 5.2 times the federal minimum wage of $7.25. Source
It is above the statewide minimum wage in every state and the District of Columbia (the highest is $18.40, checked Oct 25, 2026).
Jobs that pay about $38 an hour
These are the most common US jobs whose typical (median) pay is within $0.50 of $38 an hour, from Bureau of Labor Statistics estimates covering about 155.5 million US jobs (May 2025). Half the people in each job earn more than its median and half earn less, and pay varies a lot by state and experience. Source
| Occupation | Median hourly | Full-time year | US jobs |
|---|---|---|---|
| Market Research Analysts and Marketing Specialists | $37.87 | $78,770 | 899,580 |
| First-Line Supervisors of Construction Trades and Extraction Workers | $38.42 | $79,914 | 812,210 |
| First-Line Supervisors of Mechanics, Installers, and Repairers | $38.39 | $79,851 | 617,500 |
| Securities, Commodities, and Financial Services Sales Agents | $37.82 | $78,666 | 489,570 |
| Claims Adjusters, Examiners, and Investigators | $37.50 | $78,000 | 324,230 |
| Cost Estimators | $37.86 | $78,749 | 224,220 |
| Aircraft Mechanics and Service Technicians | $38.40 | $79,872 | 138,090 |
| Compensation, Benefits, and Job Analysis Specialists | $37.60 | $78,208 | 112,380 |
Take-home pay at $38 an hour in all 50 states (2026)
Pick your state at the top of the page and its row is highlighted below.
Take-home pay on $79,040 a year ($3,040 every two weeks) after federal income tax, Social Security, Medicare and each state's income tax and payroll programs. Single filer, 2026 Form W-4 with no adjustments, no 401(k) or health deductions, rules in force on Oct 26, 2026. Local taxes (such as New York City or Ohio cities) are not included; District of Columbia income tax is not modeled yet.
| State | Every two weeks | Per month | Per year | Withheld |
|---|---|---|---|---|
| Alabama | $2,351.95 | $5,095.89 | $61,150.70 | 22.6% |
| Alaska | $2,463.06 | $5,336.63 | $64,039.56 | 19.0% |
| Arizona | $2,417.46 | $5,237.83 | $62,853.96 | 20.5% |
| Arkansas | $2,384.57 | $5,166.57 | $61,998.82 | 21.6% |
| California | $2,307.34 | $4,999.24 | $59,990.84 | 24.1% |
| Colorado | $2,340.43 | $5,070.93 | $60,851.18 | 23.0% |
| Connecticut | $2,319.90 | $5,026.45 | $60,317.40 | 23.7% |
| Delaware | $2,317.04 | $5,020.25 | $60,243.04 | 23.8% |
| Florida | $2,478.26 | $5,369.56 | $64,434.76 | 18.5% |
| Georgia | $2,355.35 | $5,103.26 | $61,239.10 | 22.5% |
| Hawaii | $2,290.93 | $4,963.68 | $59,564.18 | 24.6% |
| Idaho | $2,350.26 | $5,092.23 | $61,106.76 | 22.7% |
| Illinois | $2,333.35 | $5,055.59 | $60,667.10 | 23.2% |
| Indiana | $2,329.08 | $5,046.34 | $60,556.08 | 23.4% |
| Iowa | $2,383.28 | $5,163.77 | $61,965.28 | 21.6% |
| Kansas | $2,339.37 | $5,068.63 | $60,823.62 | 23.0% |
| Kentucky | $2,376.38 | $5,148.82 | $61,785.88 | 21.8% |
| Louisiana | $2,399.63 | $5,199.20 | $62,390.38 | 21.1% |
| Maine | $2,315.06 | $5,015.96 | $60,191.56 | 23.8% |
| Maryland | $2,256.76 | $4,889.65 | $58,675.76 | 25.8% |
| Massachusetts | $2,332.36 | $5,053.45 | $60,641.36 | 23.3% |
| Michigan | $2,358.70 | $5,110.52 | $61,326.20 | 22.4% |
| Minnesota | $2,289.03 | $4,959.57 | $59,514.78 | 24.7% |
| Mississippi | $2,385.26 | $5,168.06 | $62,016.76 | 21.5% |
| Missouri | $2,371.26 | $5,137.73 | $61,652.76 | 22.0% |
| Montana | $2,358.26 | $5,109.56 | $61,314.76 | 22.4% |
| Nebraska | $2,363.69 | $5,121.33 | $61,455.94 | 22.2% |
| Nevada | $2,478.26 | $5,369.56 | $64,434.76 | 18.5% |
| New Hampshire | $2,478.26 | $5,369.56 | $64,434.76 | 18.5% |
| New Jersey | $2,328.72 | $5,045.56 | $60,546.72 | 23.4% |
| New Mexico | $2,365.30 | $5,124.82 | $61,497.80 | 22.2% |
| New York | $2,321.49 | $5,029.89 | $60,358.74 | 23.6% |
| North Carolina | $2,374.26 | $5,144.23 | $61,730.76 | 21.9% |
| North Dakota | $2,462.26 | $5,334.90 | $64,018.76 | 19.0% |
| Ohio | $2,402.04 | $5,204.42 | $62,453.04 | 21.0% |
| Oklahoma | $2,362.26 | $5,118.23 | $61,418.76 | 22.3% |
| Oregon | $2,251.98 | $4,879.29 | $58,551.48 | 25.9% |
| Pennsylvania | $2,382.80 | $5,162.73 | $61,952.80 | 21.6% |
| Rhode Island | $2,332.26 | $5,053.23 | $60,638.76 | 23.3% |
| South Carolina | $2,349.94 | $5,091.54 | $61,098.44 | 22.7% |
| South Dakota | $2,478.26 | $5,369.56 | $64,434.76 | 18.5% |
| Tennessee | $2,478.26 | $5,369.56 | $64,434.76 | 18.5% |
| Texas | $2,478.26 | $5,369.56 | $64,434.76 | 18.5% |
| Utah | $2,343.26 | $5,077.06 | $60,924.76 | 22.9% |
| Vermont | $2,361.40 | $5,116.37 | $61,396.40 | 22.3% |
| Virginia | $2,334.77 | $5,058.67 | $60,704.02 | 23.2% |
| Washington | $2,436.09 | $5,278.20 | $63,338.34 | 19.9% |
| West Virginia | $2,373.23 | $5,142 | $61,703.98 | 21.9% |
| Wisconsin | $2,329.78 | $5,047.86 | $60,574.28 | 23.4% |
| Wyoming | $2,478.26 | $5,369.56 | $64,434.76 | 18.5% |
Taxes at $38 an hour
Tax bracket. As a single filer, $79,040 minus the $16,100 standard deduction leaves $62,940 of taxable income, so your top federal rate is 22%. Each extra dollar of pay, such as overtime or a raise, is taxed at about 29.65%: 22% income tax plus 7.65% Social Security and Medicare, before any state tax. Source
401(k). Putting 5% of your pay ($3,952 a year) into a traditional 401(k) lowers your federal income tax by about $869, so it costs only about $3,083 of take-home pay. At this pay, every 401(k) dollar costs about 78 cents (more saved in states with an income tax).
No tax on overtime. At $38 an hour, overtime pays $57; the extra half ($19 an hour) can be deducted on your 2026 return, up to $12,500 a year for a single filer. That covers about 658 overtime hours, roughly 13 a week all year. Estimate yours. Source
Earned Income Tax Credit. At $79,040 a year, a single filer is over the 2026 income limit for every family size ($62,974 with three or more children), though a married couple where only one spouse works can qualify up to $70,244. Source
Rent on $38 an hour
HUD counts a household as cost-burdened when rent or a mortgage plus utilities takes more than 30% of monthly income, and severely burdened above 50%. Source On $6,586.67 a month before taxes, 30% is $1,976 a month for rent and utilities; 50% is $3,293. Two earners at $38 an hour ($158,080 together) stay under 30% up to $3,952 a month.
What to know at $38 an hour
At $38 an hour ($79,040 full time) you earn well above the US median, and your top federal rate is 22%. Pre-tax savings are worth the most here: every $1,000 into a traditional 401(k) or an HSA saves about $220 in federal income tax, plus state tax in most states.
Overtime adds up fast: you reach the $12,500 overtime deduction limit after about 658 hours. If you have side income or investment income, add extra withholding in Step 4(c) of your W-4 or make quarterly payments with the 1099 Tax Calculator, to avoid a bill and a penalty in April.
$38 an hour questions
How much is $38 an hour a month?
About $6,586.67 a month before taxes, at 40 hours a week. That is $79,040 a year divided by 12.
How much is $38 an hour after taxes?
About $64,434.76 a year ($2,478.26 every two weeks) for a single filer in a state with no income tax, and $58,551.48 in Oregon, where taxes take the most at this pay.
Is $38 an hour a good wage?
Roughly 74% of US workers earn less. It is 55% above the US median of $24.51 an hour (May 2025, Bureau of Labor Statistics). Whether it is enough depends on where you live: by the HUD 30% guideline it covers rent and utilities up to about $1,976 a month.
What jobs pay $38 an hour?
Jobs with a typical (median) pay close to $38 an hour include market research analysts and marketing specialists; first-line supervisors of construction trades and extraction workers; first-line supervisors of mechanics, installers, and repairers; and securities, commodities, and financial services sales agents, according to the Bureau of Labor Statistics (May 2025).
How much is $38 an hour with overtime?
Overtime is paid at 1.5 times your rate: $57 an hour. Five hours of overtime every week adds $14,820 a year, for $93,860 in total.
How much is $38 an hour part time?
At 20 hours a week, $38 an hour is $39,520 a year, or about $3,293.33 a month, before taxes.
Other hourly wages
$37 an hour · All hourly wages · $40 an hour
Want a different number of hours or weeks? Use the Salary to Hourly Calculator. For a full paycheck with your W-4 and deductions, use the Hourly Paycheck Calculator. Figures checked Oct 26, 2026.