The Beaverton, OR Salary Guide: What $100,000 Actually Buys You

In Beaverton, the $100,000 salary mark is a psychological milestone. It screams financial stability. But what does the payroll register actually say? We crunched the numbers using 2026 tax projections to find the truth behind the gross vs. net.

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The Verification Test ($100,000 Analysis)

Here is the brutal math of earning six figures in the Pacific Northwest.

The Breakdown:

• Gross Salary: $100,000
• Federal Tax: -$13,614
• FICA Tax: -$7,650
• State Tax (OR): -$4,500
• Local Tax: $0
• Total Liability: $25,764
• Final Take Home Pay: $74,236

The Analysis:
The "Sticker Price" of your labor is $100,000, but your "Buying Power Price" is $74,236. You are effectively handing 25.7% of your top-line revenue to the government.

This leaves you with $6,186 per month in spendable cash.

While the Oregon income tax hits hard (more on that below), the absence of a local city tax in Beaverton saves you from the double-dipping seen in places like Portland proper or major East Coast metros.

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Smart Budget Breakdown (50/30/20 Rule)

With $6,186 landing in your account monthly, here is how a single earner should deploy capital using the standard 50/30/20 framework.

Needs ($3,093/mo)

This is your survival bucket. In Beaverton, this allocation is tight but viable.

• Rent: Expect to spend $1,800 - $2,100 for a modern 1-bedroom in a decent complex (e.g., near the Tanasbourne area). This leaves roughly $1,000 for utilities, insurance, and groceries.
• Purchasing Power: Buying a home on this budget is currently aggressive. With mortgage rates hovering, a $3,093 "Needs" allocation puts homeownership out of reach unless you have a significant down payment or a dual-income household.

Wants ($1,856/mo)

This is your lifestyle liquidity.

• Beaverton is a hub for dining and outdoor activity. $1,856 covers premium dining, a gym membership, tech upgrades, and travel.
• Warning: This is the first category to bleed. If you upgrade your car payment or lease a luxury apartment, this bucket evaporates.

Savings ($1,237/mo)

This is where wealth is created.

• $1,237/month equals $14,844 annually.
• At a 7% annual return, compounding monthly, maxing this out for 10 years generates roughly $175,000.
• This is your financial engine. Do not treat this as "leftover" money; treat it as a mandatory bill to your future self.

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Beaverton Taxes vs The Competition

To understand value, you must compare the tax drag.

The Oregon Anchor:
Oregon has a graduated income tax. While Federal and FICA are standardized nationwide, the State Tax of $4,500 on a $100k salary is a heavy anchor. You are paying for the privilege of living in a state with high services and no sales tax.

The NYC Comparison:
If you earned $100k in New York City, your take-home would be roughly $71,800 (after NYS tax + NYC local tax). Beaverton beats NYC by roughly $2,400/year, despite Oregon's high income tax, specifically because NYC layers on a local city tax.

The Austin Comparison:
Texas has 0% State Income Tax. An earner in Austin would take home roughly $76,800.

• The Gap: Austin keeps $2,564 more of your money annually.
• The Offset: You must run the math on property taxes (high in Texas) and the availability of high-paying tech jobs (Nike and Intel anchor Beaverton heavily).

Verdict: Beaverton competes on high salaries, not low taxes. You pay for the infrastructure, but the salary ceiling is higher here.

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Frequently Asked Questions (FAQ)

What is the income tax rate in Beaverton?

Beaverton follows the Oregon state income tax structure. For a $100,000 salary, your effective state tax rate is roughly 4.5% (plus the Federal burden). This is significantly higher than WA (0%) or TX (0%), but offsets with state services.

Is $100k a good salary in Beaverton?

Yes. It is a livable, comfortable wage for a single person or a couple. It allows for a modern apartment, discretionary spending, and meaningful savings ($1,237/mo). However, it will not make you "house-rich" immediately without significant savings on hand.

Does Beaverton have a local city tax?

No. Based on our 2026 data, Beaverton does not levy a specific local income tax on residents. While Oregon cities like Portland have a Arts Tax or Metro taxes, Beaverton’s general fund relies primarily on property taxes and state distributions.

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Methodology: Calculations based on IRS 2026 Tax Brackets (Standard Deduction), FICA rates (6.2% Social Security, 1.45% Medicare), and Oregon Department of Revenue 2026 estimates. Budget guidelines follow the Consumer Financial Protection Bureau’s 50/30/20 framework. Data cross-referenced with Bureau of Labor Statistics (BLS) wage data for the Portland-Vancouver-Hillsboro Metropolitan Area.