West Virginia Wage Garnishment Calculator
Enter your income details to estimate the maximum that can legally be taken from your paycheck under West Virginia and federal rules.
Key West Virginia garnishment facts
| State abbreviation | WV |
|---|---|
| Consumer debt limit | 20% of disposable earnings, subject to the 50x minimum wage test |
| Child support limit | 40% if supporting another family, 50% otherwise, plus 5% for arrears |
| Federal student loans | 15% administrative garnishment cap |
| State minimum wage | $8.75 |
| Minimum wage source used in calculator | Federal minimum wage baseline |
| Head of household protection | No additional protection listed |
| Statute reference | West Virginia Code §46A-2-130 |
Additional notes
West Virginia limits consumer debt garnishment to 20% of disposable earnings and fully protects weekly disposable earnings up to 50 times the federal minimum wage — $362.50/week (W. Va. Code §46A-2-130). Both are more protective than the federal 25% / $217.50 baseline. Child support withholding is also capped below federal limits: 40% of disposable earnings if you support another spouse or child, 50% if not, plus 5% for arrears over 12 weeks old (W. Va. Code §48-14-408).
Tax levy note: West Virginia State Tax Department can levy wages for state tax debts.
Key protections and reminders
- • Consumer debt garnishment capped at 20% (vs. 25% federal)
- • 50x the federal minimum wage protected ($362.50/week vs. $217.50 federal)
- • Child support withholding capped at 40–55% of disposable earnings (W. Va. Code §48-14-408)
- • Court judgment required before garnishment
- • Specific exemption procedures available
Run the numbers: three West Virginia 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 | $120.00 |
| $1,200.00 | $900.00 | $180.00 |
| $2,000.00 | $1,500.00 | $300.00 |
For the full legal picture — process, exemptions, and how to respond — read the companion guide: West Virginia 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 West Virginia?
Weekly disposable earnings at or below $362.50 (50× 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 West Virginia 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. West Virginia State Tax Department 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.