$40 an hour is how much a year?
Before taxes, for a full-time job of 40 hours a week. Change the hours in the calculator below.
A year $83,200 40 hours × 52 weeks
A month $6,933 year ÷ 12
Every two weeks $3,200 year ÷ 26
A week $1,600 40 hours
What $40 an hour comes to
- Working full time (40 hours a week, 52 weeks), $40 an hour is $83,200 a year before taxes: $6,933 a month, $3,200 every two weeks or $1,600 a week.
- With two unpaid weeks off it is $80,000; part time at 20 hours a week it is $41,600.
- About 76% of US employees earn less than that (BLS, May 2025). The median US employee earns $50,980 a year ($24.51 an hour).
- Prices differ by state, so $83,200 is worth $95,701 in typical US prices in Arkansas, the cheapest state, but $75,145 in California.
- It covers the typical rent (no more than 30% of income) in 341 of the 383 metro areas with Zillow rent data, and in 37 of the 50 largest.
Gross pay, before federal, state and payroll taxes, which depend on your state and household. How we calculate.
Change the hours
$40 an hour at different hours
| Hours | A week | A month | A year |
|---|---|---|---|
| Part time, 20 hours | $800 | $3,467 | $41,600 |
| Part time, 30 hours | $1,200 | $5,200 | $62,400 |
| 35 hours | $1,400 | $6,067 | $72,800 |
| Full time, 40 hours | $1,600 | $6,933 | $83,200 |
| 45 hours (5 overtime) | $1,900 | $8,233 | $98,800 |
| 50 hours (10 overtime) | $2,200 | $9,533 | $114,400 |
Overtime at time and a half over 40 hours, as federal law requires for most hourly workers.
What $83,200 is worth in each state
The same pay buys more where prices are lower. Worth = pay ÷ (state price level ÷ 100). derived
$83,200 goes furthest in Arkansas and least far in California
What $83,200 a year buys, in typical US prices: the 8 cheapest and 8 most expensive states (BEA price levels, 2024).
US average prices
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. Our calculation.
Show the numbers
| Worth | |
|---|---|
| Arkansas | $95,701 |
| Mississippi | $95,684 |
| Iowa | $94,802 |
| Oklahoma | $94,714 |
| Louisiana | $94,324 |
| South Dakota | $93,920 |
| Alabama | $93,669 |
| North Dakota | $93,526 |
| Maryland | $79,269 |
| Massachusetts | $78,671 |
| Washington | $77,748 |
| New York | $77,093 |
| New Jersey | $76,467 |
| District of Columbia | $75,704 |
| Hawaii | $75,670 |
| California | $75,145 |
All 50 states and DC
| State | Worth, in US prices | Price level (US = 100) | Median pay, all jobs |
|---|---|---|---|
| Arkansas | $95,701 | 86.9 | $43,630 |
| Mississippi | $95,684 | 87.0 | $40,120 |
| Iowa | $94,802 | 87.8 | $48,540 |
| Oklahoma | $94,714 | 87.8 | $45,600 |
| Louisiana | $94,324 | 88.2 | $45,520 |
| South Dakota | $93,920 | 88.6 | $47,080 |
| Alabama | $93,669 | 88.8 | $45,670 |
| North Dakota | $93,526 | 89.0 | $52,480 |
| West Virginia | $92,964 | 89.5 | $45,300 |
| Kansas | $92,375 | 90.1 | $48,010 |
| Nebraska | $92,339 | 90.1 | $48,980 |
| Kentucky | $92,281 | 90.2 | $46,920 |
| Missouri | $91,613 | 90.8 | $47,800 |
| Tennessee | $90,563 | 91.9 | $47,380 |
| New Mexico | $90,227 | 92.2 | $47,210 |
| Wyoming | $89,761 | 92.7 | $50,270 |
| Ohio | $89,680 | 92.8 | $49,380 |
| Indiana | $89,147 | 93.3 | $47,860 |
| South Carolina | $88,748 | 93.7 | $46,490 |
| Wisconsin | $88,421 | 94.1 | $50,270 |
| North Carolina | $88,205 | 94.3 | $47,970 |
| Montana | $87,907 | 94.6 | $48,740 |
| Idaho | $87,126 | 95.5 | $47,970 |
| Michigan | $86,471 | 96.2 | $49,270 |
| Georgia | $86,403 | 96.3 | $48,170 |
| Maine | $85,729 | 97.0 | $51,430 |
| Texas | $85,723 | 97.1 | $48,620 |
| Pennsylvania | $85,270 | 97.6 | $49,690 |
| Vermont | $84,934 | 98.0 | $56,390 |
| Minnesota | $84,363 | 98.6 | $56,920 |
| Utah | $84,156 | 98.9 | $50,110 |
| Delaware | $83,360 | 99.8 | $52,190 |
| Illinois | $83,235 | 100.0 | $51,960 |
| Nevada | $83,217 | 100.0 | $47,660 |
| Arizona | $82,641 | 100.7 | $50,060 |
| Virginia | $82,292 | 101.1 | $55,690 |
| Rhode Island | $81,345 | 102.3 | $56,780 |
| Alaska | $81,283 | 102.4 | $61,000 |
| Colorado | $80,736 | 103.1 | $59,800 |
| Oregon | $80,495 | 103.4 | $57,000 |
| Florida | $80,453 | 103.4 | $47,880 |
| Connecticut | $80,301 | 103.6 | $59,690 |
| New Hampshire | $79,873 | 104.2 | $55,880 |
| Maryland | $79,269 | 105.0 | $59,510 |
| Massachusetts | $78,671 | 105.8 | $63,590 |
| Washington | $77,748 | 107.0 | $62,990 |
| New York | $77,093 | 107.9 | $59,670 |
| New Jersey | $76,467 | 108.8 | $58,570 |
| District of Columbia | $75,704 | 109.9 | $91,540 |
| Hawaii | $75,670 | 110.0 | $56,320 |
| California | $75,145 | 110.7 | $58,240 |
Can you afford rent on $40 an hour?
Typical rent in the 50 largest metro areas (September 2026, Zillow) and the income needed to keep it to 30% of pay. $83,200 covers it in 37 of them.
| Metro area | Typical rent | Income needed | Rent share of $83,200 | Covered? |
|---|---|---|---|---|
| Louisville, KY | $1,339 | $53,600 | 19% | Yes |
| Oklahoma City, OK | $1,384 | $55,400 | 20% | Yes |
| Memphis, TN | $1,393 | $55,700 | 20% | Yes |
| Birmingham, AL | $1,404 | $56,200 | 20% | Yes |
| San Antonio, TX | $1,415 | $56,600 | 20% | Yes |
| St. Louis, MO | $1,427 | $57,100 | 21% | Yes |
| Cleveland, OH | $1,440 | $57,600 | 21% | Yes |
| Buffalo, NY | $1,451 | $58,000 | 21% | Yes |
| Pittsburgh, PA | $1,467 | $58,700 | 21% | Yes |
| Detroit, MI | $1,514 | $60,600 | 22% | Yes |
| Cincinnati, OH | $1,522 | $60,900 | 22% | Yes |
| Columbus, OH | $1,525 | $61,000 | 22% | Yes |
| Indianapolis, IN | $1,528 | $61,100 | 22% | Yes |
| Kansas City, MO | $1,534 | $61,400 | 22% | Yes |
| Milwaukee, WI | $1,549 | $62,000 | 22% | Yes |
| New Orleans, LA | $1,577 | $63,100 | 23% | Yes |
| Austin, TX | $1,603 | $64,100 | 23% | Yes |
| Houston, TX | $1,638 | $65,500 | 24% | Yes |
| Salt Lake City, UT | $1,644 | $65,800 | 24% | Yes |
| Dallas, TX | $1,659 | $66,400 | 24% | Yes |
| Raleigh, NC | $1,669 | $66,800 | 24% | Yes |
| Jacksonville, FL | $1,680 | $67,200 | 24% | Yes |
| Richmond, VA | $1,706 | $68,200 | 25% | Yes |
| Phoenix, AZ | $1,720 | $68,800 | 25% | Yes |
| Las Vegas, NV | $1,732 | $69,300 | 25% | Yes |
| Charlotte, NC | $1,735 | $69,400 | 25% | Yes |
| Minneapolis, MN | $1,736 | $69,400 | 25% | Yes |
| Portland, OR | $1,803 | $72,100 | 26% | Yes |
| Nashville, TN | $1,803 | $72,100 | 26% | Yes |
| Atlanta, GA | $1,843 | $73,700 | 27% | Yes |
| Virginia Beach, VA | $1,886 | $75,400 | 27% | Yes |
| Denver, CO | $1,900 | $76,000 | 27% | Yes |
| Philadelphia, PA | $1,903 | $76,100 | 27% | Yes |
| Orlando, FL | $1,929 | $77,200 | 28% | Yes |
| Baltimore, MD | $1,937 | $77,500 | 28% | Yes |
| Tampa, FL | $1,991 | $79,600 | 29% | Yes |
| Hartford, CT | $1,998 | $79,900 | 29% | Yes |
| Chicago, IL | $2,163 | $86,500 | 31% | No |
| Providence, RI | $2,166 | $86,600 | 31% | No |
| Seattle, WA | $2,250 | $90,000 | 32% | No |
| Sacramento, CA | $2,269 | $90,800 | 33% | No |
| Washington, DC | $2,407 | $96,300 | 35% | No |
| Riverside, CA | $2,533 | $101,300 | 37% | No |
| Miami, FL | $2,654 | $106,200 | 38% | No |
| Los Angeles, CA | $2,929 | $117,200 | 42% | No |
| San Diego, CA | $2,967 | $118,700 | 43% | No |
| Boston, MA | $2,987 | $119,500 | 43% | No |
| San Francisco, CA | $3,445 | $137,800 | 50% | No |
| New York, NY | $3,546 | $141,800 | 51% | No |
| San Jose, CA | $3,812 | $152,500 | 55% | No |
Not covered in the most expensive, including Sacramento, San Jose, Providence.
Jobs that pay about $40 an hour
Occupations whose US median pay is within 5% of $83,200 a year, most common first (BLS, May 2025).
| Job | Median a year | Hourly | Employed |
|---|---|---|---|
| Accountant | $83,680 | $40.23 | 1,449,500 |
| Business Operations Specialists, All Other | $83,050 | $39.93 | 1,087,090 |
| First-Line Supervisors of Construction Trades and Extraction Workers | $79,920 | $38.42 | 812,210 |
| First-Line Supervisors of Mechanics, Installers, and Repairers | $79,860 | $38.39 | 617,500 |
| Compliance Officers | $80,730 | $38.81 | 417,070 |
| Logistician | $82,320 | $39.58 | 251,040 |
| Radiology tech | $80,110 | $38.51 | 230,490 |
| Social and Community Service Managers | $80,390 | $38.65 | 209,330 |
| Respiratory therapist | $82,280 | $39.56 | 139,790 |
| Aircraft mechanic | $79,870 | $38.40 | 138,090 |
| Financial Specialists, All Other | $81,100 | $38.99 | 132,130 |
| Insurance Underwriters | $81,370 | $39.12 | 105,420 |
Other amounts
Sources and limits
- Conversions assume 40 hours a week and 52 paid weeks (2,080 hours), the convention BLS uses for yearly pay. Your pay may count fewer paid weeks.
- Pay of US employees: BLS Occupational Employment and Wage Statistics, May 2025. Rank among workers is estimated between BLS's published percentiles.
- Prices: BEA Regional Price Parities, 2024. Rents: Zillow Observed Rent Index, September 2026; Data Provided by Zillow Group. The 30% line is the Census Bureau's measure of housing cost burden.
- Taxes are not deducted. Take-home pay depends on federal, state and local taxes and on deductions such as health insurance.