$40 an Hour: What It Means
Earning $40 an hour translates to $83,200 annually. The $40/hour mark is a major milestone, representing a solidly upper-middle-class wage. Physical therapists, master electricians, and full-stack developers are common roles at this level, reflecting advanced skills and significant experience.Quick math: $40/hour × 40 hours/week × 52 weeks = $83,200 gross annual income before taxes.
$40/Hour Earnings Breakdown
Full-time earnings at $40 per hour across every pay frequency.
| Period | Gross | Tax | Net |
|---|---|---|---|
| Annual | $83,200 | $20,158 | $63,042 |
| Monthly | $6,933 | $1,680 | $5,254 |
| Bi-Weekly | $3,200 | $775 | $2,425 |
| Weekly | $1,600 | $388 | $1,212 |
| Daily | $320 | $78 | $242 |
| Hourly | $40 | $10 | $30 |
$40/Hour After Tax by State
Estimated annual take-home pay at $40/hour for every US state, based on single filing status.
| State | Gross Annual | Total Tax | Take-Home | Rate |
|---|---|---|---|---|
| Alabama | $83,200 | $20,278 | $62,922 | 24.4% |
| Alaska | $83,200 | $16,283 | $66,917 | 19.6% |
| Arizona | $83,200 | $17,998 | $65,202 | 21.6% |
| Arkansas | $83,200 | $19,717 | $63,483 | 23.7% |
| California | $83,200 | $20,158 | $63,042 | 24.2% |
| Colorado | $83,200 | $19,284 | $63,916 | 23.2% |
| Connecticut | $83,200 | $20,109 | $63,091 | 24.2% |
| Delaware | $83,200 | $20,543 | $62,657 | 24.7% |
| District of Columbia | $83,200 | $20,514 | $62,686 | 24.7% |
| Florida | $83,200 | $16,283 | $66,917 | 19.6% |
| Georgia | $83,200 | $20,192 | $63,008 | 24.3% |
| Hawaii | $83,200 | $22,219 | $60,981 | 26.7% |
| Idaho | $83,200 | $20,262 | $62,938 | 24.4% |
| Illinois | $83,200 | $20,264 | $62,936 | 24.4% |
| Indiana | $83,200 | $18,820 | $64,380 | 22.6% |
| Iowa | $83,200 | $19,444 | $63,756 | 23.4% |
| Kansas | $83,200 | $20,368 | $62,832 | 24.5% |
| Kentucky | $83,200 | $19,484 | $63,716 | 23.4% |
| Louisiana | $83,200 | $19,238 | $63,962 | 23.1% |
| Maine | $83,200 | $20,694 | $62,506 | 24.9% |
| Maryland | $83,200 | $20,061 | $63,139 | 24.1% |
| Massachusetts | $83,200 | $20,223 | $62,977 | 24.3% |
| Michigan | $83,200 | $19,581 | $63,619 | 23.5% |
| Minnesota | $83,200 | $20,490 | $62,710 | 24.6% |
| Mississippi | $83,200 | $19,615 | $63,585 | 23.6% |
| Missouri | $83,200 | $19,405 | $63,795 | 23.3% |
| Montana | $83,200 | $20,084 | $63,116 | 24.1% |
| Nebraska | $83,200 | $19,621 | $63,579 | 23.6% |
| Nevada | $83,200 | $16,283 | $66,917 | 19.6% |
| New Hampshire | $83,200 | $16,283 | $66,917 | 19.6% |
| New Jersey | $83,200 | $19,456 | $63,744 | 23.4% |
| New Mexico | $83,200 | $19,365 | $63,835 | 23.3% |
| New York | $83,200 | $20,468 | $62,732 | 24.6% |
| North Carolina | $83,200 | $19,453 | $63,747 | 23.4% |
| North Dakota | $83,200 | $17,620 | $65,580 | 21.2% |
| Ohio | $83,200 | $17,852 | $65,348 | 21.5% |
| Oklahoma | $83,200 | $19,745 | $63,455 | 23.7% |
| Oregon | $83,200 | $23,038 | $60,162 | 27.7% |
| Pennsylvania | $83,200 | $18,837 | $64,363 | 22.6% |
| Rhode Island | $83,200 | $19,007 | $64,193 | 22.8% |
| South Carolina | $83,200 | $19,980 | $63,220 | 24.0% |
| South Dakota | $83,200 | $16,283 | $66,917 | 19.6% |
| Tennessee | $83,200 | $16,283 | $66,917 | 19.6% |
| Texas | $83,200 | $16,283 | $66,917 | 19.6% |
| Utah | $83,200 | $20,152 | $63,048 | 24.2% |
| Vermont | $83,200 | $19,833 | $63,367 | 23.8% |
| Virginia | $83,200 | $20,551 | $62,649 | 24.7% |
| Washington | $83,200 | $16,283 | $66,917 | 19.6% |
| West Virginia | $83,200 | $19,654 | $63,546 | 23.6% |
| Wisconsin | $83,200 | $19,605 | $63,595 | 23.6% |
| Wyoming | $83,200 | $16,283 | $66,917 | 19.6% |
Part-Time and Overtime at $40/Hour
At $40/hour, your overtime rate (1.5x) would be $60.00/hour. Working 10 hours of overtime per week would add approximately $31,200 to your annual gross income before taxes.
Is $40 an Hour Good?
$40 per hour is a landmark rate, translating to $83,200 annually. You are in the top 25% of American earners and can maintain a very comfortable lifestyle in virtually any US market. This rate reflects advanced skills and significant professional achievement, and it provides a strong foundation for financial independence.Jobs That Pay $40/Hour
Common positions with an hourly rate near $40.
Tips to Make the Most of $40/Hour
To advance beyond $40 an hour, focus on leadership, advanced practice, and rare specializations. Master electricians who start their own firms can earn $50-100+/hour. Physical therapists who specialize in sports medicine or orthopedics earn $50-65/hour. Full-stack developers who become senior engineers or architects commonly advance to $55-85+/hour.$40/Hour FAQ
$40 an hour equals $83,200 per year working full-time (40 hours/week, 52 weeks). This is the gross annual salary before any taxes or deductions.
After federal and state taxes, $40/hour typically results in about $59,904-$66,560 in annual take-home pay, depending on your state, filing status, and deductions. Use our calculator for a precise estimate based on your specific situation.
Yes, $40/hour provides a comfortable living in the vast majority of US markets. You can afford quality housing, regular savings, and a solid middle-to-upper-middle-class lifestyle. Even in expensive coastal cities, this wage provides a reasonable standard of living.
Jobs paying around $40/hour include registered nurses, HVAC technicians, police officers, database administrators, and financial analysts. These roles typically require significant education, certification, or years of professional experience.
$40/hour ($83,200/year) places you in the upper-middle class by most definitions. You are earning well above the national median and your income exceeds the traditional middle-class range in many lower cost-of-living areas.