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Take-home pay after federal, state and local taxes — salary or hourly, with overtime and pre-tax deductions.
Illinois · 2026 take-home pay
$13 an hour after taxes in Illinois
At $13 an hour in Illinois you keep about $10.91 of every hour — $436 a week, $1,890 a month or $22,684 a year full time — after 2026 federal income tax, Social Security, Medicare and Illinois income tax. Illinois has a flat 4.95% income tax, and its minimum wage is $15.00 an hour.
Where $13 an hour goes
| A year | A week | An hour | |
|---|---|---|---|
| Gross pay | $27,040 | $520 | $13.00 |
| Federal income tax | −$1,094 | −$21 | −$0.53 |
| Social Security (6.2%) | −$1,676 | −$32 | −$0.81 |
| Medicare (1.45%+) | −$392 | −$8 | −$0.19 |
| Illinois income tax | −$1,194 | −$23 | −$0.57 |
| Take-home pay | $22,684 | $436 | $10.91 |
Effective tax rate 16.1% · federal bracket 10% · Illinois bracket 4.95%.
Take-home per paycheck
| Paid | Gross | Take-home |
|---|---|---|
| Weekly (52 paychecks) | $520.00 | $436.23 |
| Every two weeks (26) | $1,040.00 | $872.45 |
| Twice a month (24) | $1,126.67 | $945.16 |
| Monthly (12) | $2,253.33 | $1,890.31 |
$13 an hour at different hours
Take-home in Illinois for part-time, full-time and overtime weeks. Overtime is paid at 1.5 times $13 an hour for hours over 40, as federal law requires for most hourly workers.
| Schedule | Gross a week | Take-home a week | Take-home a year |
|---|---|---|---|
| 20 hours a week* | $260 | $230 | $11,961 |
| 30 hours a week | $390 | $336 | $17,452 |
| 40 hours a week | $520 | $436 | $22,684 |
| 40 hours + 5 overtime | $618 | $510 | $26,536 |
| 40 hours + 10 overtime | $715 | $584 | $30,359 |
*If this is your only job. With a second job, withholding on each is likely too low unless you adjust your W-4.
Is $13 an hour good pay in Illinois?
- Minimum wage: $13 an hour is below Illinois's minimum wage of $15.00 an hour, so most employers there can't pay it. Employers with 4 or more employees. Chicago sets a higher minimum.
- Among Illinois workers: It's below the 10th percentile of hourly pay in Illinois (BLS, May 2025) — fewer than about 1 in 10 workers earn less. The median is $24.98 an hour.
- Local prices: Illinois's price level is 100% of the U.S. average (BEA Regional Price Parities), so $22,684 a year buys about what $22,693 would at national-average prices.
- Rent: the 30% rule points to about $676 a month. Check it with your debts.
- A 50/30/20 budget: about $945 a month for needs, $567 for wants and $378 for savings. Plan it in the budget calculator.
How Illinois compares on $13 an hour
Illinois ranks 49th of 51 for take-home pay on $13 an hour (1st = keeps the most). Here it is next to its neighbors.
| State | After tax, per hour | A year | Minimum wage | vs Illinois |
|---|---|---|---|---|
| Illinois | $10.91 | $22,684 | $15.00 | — |
| Iowa | $11.30 | $23,502 | $7.25 | +$818 a year |
| Indiana | $11.11 | $23,109 | $7.25 | +$425 a year |
| Kentucky | $11.08 | $23,049 | $7.25 | +$365 a year |
| Missouri | $11.32 | $23,544 | $15.00 | +$860 a year |
| Wisconsin | $11.26 | $23,415 | $7.25 | +$731 a year |
How the federal tax on $27,040 ($13 an hour) is worked out
Taxable income is $27,040 minus the 2026 standard deduction ($16,100) = $10,940. Each slice is taxed at its own rate:
| Rate | Income in this bracket | Tax |
|---|---|---|
| 10% | $10,940 | $1,094 |
| Total | $10,940 | $1,094 |
How the Illinois income tax on $27,040 ($13 an hour) is worked out
Taxable income is $27,040 of Illinois wages minus $2,925 in exemptions = $24,115.
| Rate | Income in this bracket | Tax |
|---|---|---|
| 4.95% | $24,115 | $1,194 |
| Total | $24,115 | $1,194 |
Common questions
How much is $13 an hour after taxes in Illinois?
About $10.91 for every hour you work, or $22,684 a year at 40 hours a week ($27,040 gross). Taxes take about 16.1% of your pay, for a single filer in 2026 with no pre-tax deductions.
How much is $13 an hour a week after taxes in Illinois?
About $436 a week at 40 hours, from $520 gross. Paid every two weeks, each paycheck is about $872.
How much is $13 an hour a month after taxes in Illinois?
About $1,890 a month at 40 hours a week, from $2,253 gross.
Is $13 an hour good pay in Illinois?
$13 an hour is below Illinois's minimum wage of $15.00 an hour, so most employers there can't pay it. It's below the 10th percentile of hourly pay in Illinois (BLS, May 2025) — fewer than about 1 in 10 workers earn less. The median hourly wage for all jobs in Illinois is $24.98. After taxes and local prices, $22,684 a year buys about what $22,693 would at national-average prices.
Is Illinois a high-tax state for $13 an hour?
It ranks 49th of 51 among the 50 states and D.C. for take-home on $13 an hour. The most you'd keep is $23,877 a year, in 9 places including Florida, North Dakota, New Hampshire; the least, $22,255 in Oregon.
More hourly rates
Sources and method
Our 2026 engine applies IRS Publication 15-T withholding, Social Security and Medicare, Illinois's income tax rules (methodology). Local income taxes are not included. Minimum wages: U.S. Department of Labor. Wage distribution and jobs: BLS OEWS May 2025. Price levels: BEA Regional Price Parities.
- Publication 15-T (2026), Federal Income Tax Withholding Methods — Internal Revenue Service. Accessed October 14, 2026.
- State Minimum Wage Laws — U.S. Department of Labor, Wage and Hour Division. Accessed October 14, 2026.
- Occupational Employment and Wage Statistics, May 2025 — U.S. Bureau of Labor Statistics. Accessed October 14, 2026.
- Regional Price Parities by State — U.S. Bureau of Economic Analysis. Accessed October 14, 2026.