West Virginia Paycheck Calculator 2026
Enter your salary to see your West Virginia take-home pay after federal and state taxes, FICA, and deductions. Instant results.
No local income tax applied. Select your city if you live in one that charges it.
What this paycheck affords in West Virginia
Sized off $4,921/mo take-home, on a salary 43% above the West Virginia median household income of $52,520. Every figure below is a spending rule of thumb, not a tax rule.
Rent
You can comfortably rent at
$1,476/mo
Up to $1,968/mo if you stretch, at 40% of take-home.
The average two-bedroom in West Virginia is $997/mo — 20% of take-home, inside the comfortable range with $479/mo of room to spare.
Rent or buy at this budget? →Buying a home
You could buy a home up to
$290,897
That's a 2-bedroom home
With $58,179 down and about $1,750/mo in mortgage, property tax and insurance
That covers the median home in West Virginia, at $170,000. Lenders size a mortgage off gross pay, so this one starts from $75,000 at a 28% debt-to-income ratio, 6.75% over 30 years, with West Virginia property tax.
How much house can you afford on $75,000? →A car
A payment up to $492/mo — roughly a $27,500 car with 10% down, financed over five years at 7%.
Gas runs $3.41/gal in West Virginia, so 12,000 miles a year at 25 mpg adds $136/mo. Together that is $628/mo, or 13% of take-home, before insurance and repairs.
What's left each month
About $1,607/mo left over — a 33% cushion for savings and everything unplanned.
Three months of essentials is $8,945. Saving the whole cushion builds that in 6 months.
Childcare sits outside this budget because it applies to some households and not others: center-based infant care in West Virginia is $808/mo, 16% of take-home on its own.
Full cost of living in West Virginia →Local costs from the MERIC 2025 cost-of-living index applied to BLS Consumer Expenditure Survey averages, with rent and home prices from Zillow and gas prices from AAA.
Federal tax brackets
Taxable income: $58,900
Estimate based on 2026 tax rates and standard deductions. Includes local income tax for 7 West Virginia localities when selected in the calculator. Does not include itemized deductions, tax credits, or other individual circumstances. For official West Virginia tax information, visit the West Virginia State Tax Department.
West Virginia income tax brackets (2026)
West Virginia uses a progressive income tax system. Income is taxed at increasingly higher rates as it moves through each bracket. Your marginal rate (the rate on your last dollar) is higher than your effective rate (total tax ÷ total income).
| Rate | Single filer income range |
|---|---|
| 2.11% | $0 –$10,000 |
| 2.81% | $10,000 –$25,000 |
| 3.16% | $25,000 –$40,000 |
| 4.22% | $40,000 –$60,000 |
| 4.58% | $60,000 + |
For married filing jointly, bracket thresholds are approximately doubled.
On a $100,000 salary in West Virginia, you'd take home $75,489 after federal taxes, Social Security, and Medicare — an effective total tax rate of 24.5%, with a marginal state rate of 4.58%.
West Virginia uses a progressive income tax with a top rate of 5.12% on income above $60,000. The state has been reducing rates and may move toward a flat tax. With the lowest cost of living east of the Mississippi, WV offers strong purchasing power despite moderate tax rates.
West Virginia take-home pay by salary
| Gross salary | Take-home | Total tax | Effective rate |
|---|---|---|---|
| $50,000 | $40,911 | $9,089 | 18.2% |
| $75,000 | $59,047 | $15,953 | 21.3% |
| $100,000 | $75,489 | $24,511 | 24.5% |
| $150,000 | $107,810 | $42,190 | 28.1% |
| $200,000 | $140,656 | $59,344 | 29.7% |
| $300,000 | $202,326 | $97,674 | 32.6% |
Single filer, biweekly pay. Includes federal tax, West Virginia state tax, Social Security, and Medicare. No deductions.
Local income tax in West Virginia
7 West Virginia localities withhold their own income tax on top of state tax. The 5 largest have their own calculator pages; every rate is listed on the West Virginia local income tax page .
- Charleston Paycheck Calculator Charleston charges a flat $3 per week ($156 a year) to everyone who works in the city, whatever they earn. It is withheld from each paycheck and does not change with income.
- Huntington Paycheck Calculator Huntington charges a flat $5 per week ($260 a year) to everyone who works in the city, whatever they earn. It is withheld from each paycheck and does not change with income.
- Morgantown Paycheck Calculator Morgantown charges a flat $3 per week ($156 a year) to everyone who works in the city, whatever they earn. It is withheld from each paycheck and does not change with income.
- Parkersburg Paycheck Calculator Parkersburg charges a flat $2.5 per week ($130 a year) to everyone who works in the city, whatever they earn. It is withheld from each paycheck and does not change with income.
- Wheeling Paycheck Calculator Wheeling charges a flat $2 per week ($104 a year) to everyone who works in the city, whatever they earn. It is withheld from each paycheck and does not change with income.
Resources
- West Virginia local income tax rates — every West Virginia jurisdiction with a local tax, with sources
- West Virginia State Tax Department — official West Virginia tax information
- IRS Tax Withholding Estimator — check your federal withholding
- SSA Retirement Estimator — estimate your Social Security benefits
Cost of living in West Virginia
Cost of living in West Virginia is 12% below the national average.
$170,000
$997/mo
$3.41/gal
$98/mo
$9,692/yr
Sources: MERIC/C2ER Cost of Living Index (2025), AAA Fuel Gauge Report (2025), EIA State Electricity Profiles (2024)
FAQ
What is the income tax rate in West Virginia?
West Virginia uses progressive brackets from 2.11% to 4.58%.
How accurate is this West Virginia paycheck estimate?
This provides a reasonable estimate using 2026 federal and West Virginia state tax rates. Includes local income tax for 7 West Virginia localities when selected in the calculator. It does not include state-specific deductions or credits, or other individual factors. Visit the West Virginia State Tax Department for official guidance.
What is the FICA tax rate in West Virginia?
FICA is 7.65% — 6.2% Social Security (up to a $184,500 wage cap in 2026) and 1.45% Medicare. High earners pay an additional 0.9% Medicare tax on wages above $200,000 (single) or $250,000 (married filing jointly). FICA applies in every state, including West Virginia.
What is the federal standard deduction for 2026?
The 2026 federal standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household (IRS Rev. Proc. 2025-32). The standard deduction reduces your taxable income before federal tax brackets are applied.
How do pre-tax 401(k) contributions affect my paycheck in West Virginia?
Pre-tax 401(k) contributions reduce both your federal taxable income and your West Virginia taxable income, which lowers federal and state withholding. FICA (7.65%) still applies to 401(k) contributions — they are pre-tax for income tax but not for Social Security and Medicare.
What is the difference between gross pay and net pay in West Virginia?
Gross pay is your total earnings before any taxes or deductions. Net (take-home) pay is what's deposited into your bank after federal income tax, FICA (7.65%), West Virginia state income tax, and any pre-tax deductions like 401(k) and health insurance are subtracted.
What is the cost of living in West Virginia?
Living costs are 13% below the national average — one of the lowest in the US. West Virginia's Regional Price Parity index is 86.7 (US average = 100). The median household income in West Virginia is $52,520 as of 2023.
Compare
- West Virginia Raise Calculator — see how a raise affects your take-home pay
- Compare with Virginia
- Compare with Ohio
- Compare with Kentucky
- Compare with Pennsylvania
- Compare with California
- Compare with Texas
- West Virginia Cost of Living Calculator — compare expenses with any other state
- West Virginia Tax Brackets — see marginal rates and bracket thresholds
- West Virginia House Affordability — how much house can your paycheck support?
- West Virginia Bonus Tax Calculator — see take-home on bonus income
- Salary to Hourly Converter — convert annual salary to hourly rate
- 401(k) Paycheck Impact — see how pre-tax contributions lower your taxable pay
- Commission Paycheck Calculator — withholding on commission and variable pay
- Take-Home Pay by State — compare net pay across all 50 states
- Federal Tax Calculator — federal income tax breakdown by bracket
- Marriage Tax Calculator — compare single vs married filing status
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