Oregon Wage Garnishment Calculator
Enter your income details to estimate the maximum that can legally be taken from your paycheck under Oregon and federal rules.
Key Oregon garnishment facts
| State abbreviation | OR |
|---|---|
| Consumer debt limit | 25% of disposable earnings, subject to the 30x minimum wage test |
| Child support limit | 50% if supporting another family, 60% otherwise, plus 5% for arrears |
| Federal student loans | 15% administrative garnishment cap |
| State minimum wage | $14.70 |
| Minimum wage source used in calculator | Federal minimum wage baseline |
| Head of household protection | No additional protection listed |
| Statute reference | Oregon Revised Statutes §18.385 |
Additional notes
Oregon limits garnishment to the lesser of 25% of disposable earnings or the amount exceeding $254/week. Oregon also has a $7,500 annual exemption for wages.
Tax levy note: Oregon Department of Revenue can levy wages for state tax debts.
Key protections and reminders
- • 25% of disposable earnings or amount exceeding $254/week
- • $7,500 annual wage exemption
- • Court judgment required before garnishment
- • Specific procedures for continuing garnishment
Run the numbers: three Oregon paychecks
These weekly examples assume roughly 25% of gross pay goes to legally required deductions; the calculator above lets you use your own numbers and pay schedule.
| Gross weekly pay | Est. disposable | Max consumer-debt garnishment |
|---|---|---|
| $800.00 | $600.00 | $150.00 |
| $1,200.00 | $900.00 | $225.00 |
| $2,000.00 | $1,500.00 | $375.00 |
For the full legal picture — process, exemptions, and how to respond — read the companion guide: Oregon Wage Garnishment Laws Explained.
Calculator questions, answered
What are “disposable earnings”?
Your pay after legally required deductions — federal and state taxes, Social Security, and Medicare. Voluntary deductions like health insurance or 401(k) contributions usually do NOT reduce disposable earnings for garnishment purposes. The calculator estimates deductions at 25% of gross; your paystub has the real figure.
How much of my paycheck is completely safe in Oregon?
Weekly disposable earnings at or below $217.50 (30× the federal minimum wage) cannot be touched for consumer debts, and the percentage cap limits what can be taken above that line.
How accurate is this calculator?
It applies the current Oregon and federal formulas to the numbers you enter, but it estimates your deductions and cannot know case-specific court orders. Treat the result as a close estimate, and the court order as the final word. Oregon Department of Revenue can levy wages for state tax debts.
What if I have more than one garnishment?
Federal law caps the combined total, and priority matters: child support first, then tax levies, then other debts. A second creditor generally has to wait if the first already takes the legal maximum.