Virginia Beach, VA Paycheck Calculator 2026

How paychecks work in Virginia

Virginia Beach, Virginia residents follow the same statewide payroll rules as everyone else in Virginia, with the additional local considerations noted below. Every paycheck issued in Virginia has three federal withholdings — federal income tax, Social Security, and Medicare — followed by Virginia's own withholding rules and any local wage tax that applies where you work. Virginia has a progressive state income tax with a top marginal rate of 5.75%. Virginia's economy is dominated by federal government contracting, defense, tech in Northern Virginia (data centers), shipbuilding in Hampton Roads, and agriculture.

This page explains, step by step, how gross wages become take-home pay in Virginia: what the federal government takes, what the state of Virginia takes, which cities and localities add their own withholding, and how minimum wage, overtime, and pay-frequency rules interact with common benefits like 401(k) contributions and pre-tax health premiums.

Federal taxes on Virginia paychecks

Regardless of where you live, the IRS applies the same federal income tax brackets, standard deduction, and FICA contributions. For 2026, the federal tax brackets range from 10% on the first ~$12,400 of taxable income (single) up to 37% on income above roughly $626,000. Most workers land in the 12%, 22%, or 24% brackets after subtracting the $16,100 single (or $32,200 married-jointly) standard deduction.

On top of federal income tax, every Virginia employee pays FICA: 6.2% Social Security up to a $184,500 wage base, plus 1.45% Medicare on all wages, with an additional 0.9% Medicare surtax on wages over $200,000 (single). Employers match Social Security and Medicare dollar-for-dollar; you only see your half on the stub.

Virginia state income tax

Virginia uses 4 tax brackets ranging from 2.00% on the first dollars of taxable income up to 5.75% on income above $17,000. The state standard deduction is $8,500 single / $17,000 married. A personal exemption of $930 further reduces taxable income.

The top marginal bracket of 5.75% kicks in only after the income thresholds shown above; most Virginia residents effectively pay a lower blended rate because the first dollars of income are taxed at the lower brackets, and the state standard deduction reduce the amount actually taxed.

Local wage taxes in Virginia

No local income taxes on wages.

FICA: Social Security and Medicare

Social Security is the biggest single deduction most middle-income Virginia workers see besides federal income tax. It funds retirement, disability, and survivor benefits, and applies at 6.2% until you have earned $184,500 for the year (2026). If you earn more than that, Social Security stops for the remainder of the year — a highly visible bump in take-home pay for high earners late in the calendar year.

Medicare has no cap. All wages are hit at 1.45%, and an extra 0.9% Additional Medicare Tax applies to any wages above $200,000 (single) or $250,000 (married filing jointly). Employers begin withholding the additional 0.9% the pay period you cross $200,000, whether or not you'll actually owe it after year-end.

Overtime rules for Virginia employees

Follows federal FLSA: 1.5x for hours over 40/week; the Virginia Overtime Wage Act was largely aligned to FLSA in 2022.

Overtime pay itself is taxed exactly the same way as regular wages — there is no special overtime tax rate. But because a paycheck with lots of overtime looks temporarily much larger, employer withholding formulas may withhold a higher percentage than your true annual rate. That withholding is reconciled at tax time via your federal 1040 and Virginia state return, so if you consistently work overtime you may want to review your W-4 to avoid over-withholding.

Minimum wage in Virginia

The current minimum wage in Virginia is $12.41 per hour. Virginia's minimum wage is indexed to inflation as of 2026. At 40 hours per week and 52 weeks per year, that equates to roughly $25,813 in gross annual wages before overtime.

Pay frequency rules

At least once every 2 weeks or twice a month; monthly for salaried employees earning at least 150% of the state average. Most private-sector employees in Virginia are paid either weekly or bi-weekly, with salaried professionals often on a semi-monthly schedule. Choosing the right pay-frequency assumption is important when using the calculator above, because the same annual salary produces different per-paycheck amounts depending on whether it's split over 26 (bi-weekly) or 24 (semi-monthly) periods.

Reciprocal states

Virginia has reciprocal income tax agreements with District of Columbia, Kentucky, Maryland, Pennsylvania, and West Virginia. If you live in one of those states but work in Virginia (or vice versa), you generally only pay state income tax to your home state — you fill out a certificate of non-residence with your employer to stop withholding for the work state.

Example take-home pay in Virginia

The table below shows estimated federal, FICA, and Virginia state tax for a single filer at several common salary levels, using 2026 rules and the standard deduction. Bi-weekly amounts assume 26 paychecks per year.

Common Virginia payroll deductions to watch

• 401(k) contributions — pre-tax dollars reduce federal (and, in Virginia, state) income tax. The 2026 employee limit is $24,500 ($32,000 if age 50+).
• Pre-tax health premiums — Section 125 cafeteria plan contributions reduce federal, state, and FICA-taxable wages.
• HSA contributions — for high-deductible health plans, HSA money is pre-tax at both federal and state levels in Virginia.
• Garnishments, child support, and Roth 401(k) — these post-tax deductions do not reduce taxable wages but still cut take-home pay.
• Loudoun County, Virginia hosts the largest concentration of data centers in the world.
• Amazon's HQ2 in Arlington is projected to add 25,000+ high-wage jobs by the end of the decade.

Key industries and pay levels in Virginia

Virginia's top industries include Federal Government, Defense, Data Centers, Shipbuilding, and Agriculture. Major employers like Department of Defense, Amazon (HQ2), Sentara Healthcare, and Huntington Ingalls Industries anchor a large share of state payrolls, and pay levels tend to track industry mix — states heavy on technology, finance, and aerospace typically show higher median household income than states dominated by agriculture, tourism, or retail.