Bookkeeping, Accounting, and Auditing Clerks
Median $28.03 an hour in New Jersey · 37,550 jobs
New Jersey · 2026 take-home pay
$28 an hour after taxes in New Jersey
At $28 an hour in New Jersey you keep about $22.53 of every hour — $901 a week, $3,906 a month or $46,871 a year full time — after 2026 federal income tax, Social Security, Medicare, New Jersey income tax and state payroll programs. New Jersey has a graduated income tax plus TDI, FLI, UI (Unemployment Insurance) employee share and WF/SWF (Workforce Development / Supplemental Workforce Fund) employee share, and its minimum wage is $15.92 an hour.
Where $28 an hour goes
| A year | A week | An hour | |
|---|---|---|---|
| Gross pay | $58,240 | $1,120 | $28.00 |
| Federal income tax | −$4,809 | −$92 | −$2.31 |
| Social Security (6.2%) | −$3,611 | −$69 | −$1.74 |
| Medicare (1.45%+) | −$844 | −$16 | −$0.41 |
| New Jersey income tax | −$1,670 | −$32 | −$0.80 |
| TDI (Temporary Disability Insurance) | −$111 | −$2 | −$0.05 |
| FLI (Family Leave Insurance) | −$134 | −$3 | −$0.06 |
| UI (Unemployment Insurance) employee share | −$171 | −$3 | −$0.08 |
| WF/SWF (Workforce Development / Supplemental Workforce Fund) employee share | −$19 | −$0 | −$0.01 |
| Take-home pay | $46,871 | $901 | $22.53 |
Effective tax rate 19.5% · federal bracket 12% · New Jersey bracket 5.53%.
TDI (Temporary Disability Insurance): 0.19% of wages · FLI (Family Leave Insurance): 0.23% of wages · UI (Unemployment Insurance) employee share: 0.38% of wages (capped) · WF/SWF (Workforce Development / Supplemental Workforce Fund) employee share: 0.04% of wages (capped).
Take-home per paycheck
| Paid | Gross | Take-home |
|---|---|---|
| Weekly (52 paychecks) | $1,120.00 | $901.36 |
| Every two weeks (26) | $2,240.00 | $1,802.72 |
| Twice a month (24) | $2,426.67 | $1,952.95 |
| Monthly (12) | $4,853.33 | $3,905.90 |
$28 an hour at different hours
Take-home in New Jersey for part-time, full-time and overtime weeks. Overtime is paid at 1.5 times $28 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* | $560 | $479 | $24,910 |
| 30 hours a week | $840 | $693 | $36,042 |
| 40 hours a week | $1,120 | $901 | $46,871 |
| 40 hours + 5 overtime | $1,330 | $1,052 | $54,730 |
| 40 hours + 10 overtime | $1,540 | $1,187 | $61,728 |
*If this is your only job. With a second job, withholding on each is likely too low unless you adjust your W-4.
Is $28 an hour good pay in New Jersey?
- Minimum wage: $28 an hour is 1.8 times New Jersey's minimum wage of $15.92 an hour. $15.23 for employers with fewer than 6 employees and for seasonal work.
- Among New Jersey workers: It's about the 50th percentile of hourly pay in New Jersey (BLS, May 2025) — roughly 50 in 100 workers earn less. The median is $28.16 an hour.
- Local prices: New Jersey's price level is 108.8% of the U.S. average (BEA Regional Price Parities), so $46,871 a year buys about what $43,078 would at national-average prices.
- Rent: the 30% rule points to about $1,456 a month. Check it with your debts.
- A 50/30/20 budget: about $1,953 a month for needs, $1,172 for wants and $781 for savings. Plan it in the budget calculator.
Jobs in New Jersey that pay about $28 an hour
Occupations whose median wage in New Jersey is within 4% of $28 an hour, most common first. Source: BLS OEWS May 2025.
First-Line Supervisors of Retail Sales Workers
Median $27.56 an hour in New Jersey · 31,160 jobs
Automotive Service Technicians and Mechanics
Median $27.22 an hour in New Jersey · 17,640 jobs
Bus Drivers, School
Median $28.57 an hour in New Jersey · 13,670 jobs
Exercise Trainers and Group Fitness Instructors
Median $28.79 an hour in New Jersey · 11,350 jobs
Chemical Equipment Operators and Tenders
Median $27.17 an hour in New Jersey · 8,560 jobs
How New Jersey compares on $28 an hour
New Jersey ranks 31st of 51 for take-home pay on $28 an hour (1st = keeps the most). Here it is next to its neighbors.
| State | After tax, per hour | A year | Minimum wage | vs New Jersey |
|---|---|---|---|---|
| New Jersey | $22.53 | $46,871 | $15.92 | — |
| Delaware | $22.21 | $46,187 | $15.00 | −$684 a year |
| New York | $22.19 | $46,145 | $16.00 | −$726 a year |
| Pennsylvania | $22.67 | $47,147 | $7.25 | +$276 a year |
How the federal tax on $58,240 ($28 an hour) is worked out
Taxable income is $58,240 minus the 2026 standard deduction ($16,100) = $42,140. Each slice is taxed at its own rate:
| Rate | Income in this bracket | Tax |
|---|---|---|
| 10% | $12,400 | $1,240 |
| 12% | $29,740 | $3,569 |
| Total | $42,140 | $4,809 |
How the New Jersey income tax on $58,240 ($28 an hour) is worked out
Taxable income is $58,240 of New Jersey wages minus $1,000 in exemptions = $57,240.
| Rate | Income in this bracket | Tax |
|---|---|---|
| 1.4% | $20,000 | $280 |
| 1.75% | $15,000 | $263 |
| 3.5% | $5,000 | $175 |
| 5.53% | $17,240 | $953 |
| Total | $57,240 | $1,670 |
Common questions
How much is $28 an hour after taxes in New Jersey?
About $22.53 for every hour you work, or $46,871 a year at 40 hours a week ($58,240 gross). Taxes take about 19.5% of your pay, for a single filer in 2026 with no pre-tax deductions.
How much is $28 an hour a week after taxes in New Jersey?
About $901 a week at 40 hours, from $1,120 gross. Paid every two weeks, each paycheck is about $1,803.
How much is $28 an hour a month after taxes in New Jersey?
About $3,906 a month at 40 hours a week, from $4,853 gross.
Is $28 an hour good pay in New Jersey?
$28 an hour is 1.8 times New Jersey's minimum wage of $15.92 an hour. It's about the 50th percentile of hourly pay in New Jersey (BLS, May 2025) — roughly 50 in 100 workers earn less. The median hourly wage for all jobs in New Jersey is $28.16. After taxes and local prices, $46,871 a year buys about what $43,078 would at national-average prices.
Is New Jersey a high-tax state for $28 an hour?
It ranks 31st of 51 among the 50 states and D.C. for take-home on $28 an hour. The most you'd keep is $48,976 a year, in 8 places including Florida, North Dakota, New Hampshire; the least, $44,730 in Oregon.
More hourly rates
Other hourly rates in New Jersey
- $24 an hour in New Jersey
- $25 an hour in New Jersey
- $26 an hour in New Jersey
- $27 an hour in New Jersey
- $29 an hour in New Jersey
- $30 an hour in New Jersey
- $31 an hour in New Jersey
- $32 an hour in New Jersey
$28 an hour in every state · $55,000 a year in New Jersey · $60,000 a year in New Jersey · New Jersey paycheck calculator · All pay conversions
Sources and method
Our 2026 engine applies IRS Publication 15-T withholding, Social Security and Medicare, New Jersey's income tax rules and New Jersey's employee payroll programs (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.