How Much Do Firefighters Take Home After Tax? 2026 Calculator
Firefighters typically take home 60%–75% of their gross salary after federal tax, state tax, pension contributions, and FICA.
Your actual net pay depends on your state, rank, overtime, and pension deductions.
$56,320
Median firefighter salary (US, 2026)
~68%
Typical take-home after all deductions
$0
Federal tax on overtime pay under OBBBA
Last updated: April 4, 2026
Calculate Your Take-Home Pay
Use this firefighter take-home pay calculator to estimate your real salary after taxes and deductions.
Includes federal tax brackets, state income tax, pension contributions, and FICA for 2026.
Gross annual salary—
Federal income tax—
State income tax—
Social Security (6.2%)—
Medicare (1.45%)—
Pension contribution—
Annual take-home pay—
Pay Frequency Breakdown
How your take-home pay looks across different pay periods.
Component
Annual
Firefighter Salary by Rank 2026
Estimated annual take-home pay for common firefighter ranks in a mid-cost state (Texas/Florida). No state income tax assumed.
Firefighter / EMT Ranks
Recruit / Probie~$31,200/yr
Firefighter I~$36,400/yr
Firefighter II~$40,800/yr
Driver / Engineer~$46,500/yr
Lieutenant~$52,000/yr
Senior / Command Ranks
Captain~$60,000/yr
Battalion Chief~$72,000/yr
Deputy Chief~$85,000/yr
Fire Chief~$100,000/yr
Top 10% (major cities)~$120,000/yr
OBBBA Overtime Benefit: Firefighters frequently work 24-hour shifts with significant overtime. Under the 2026 OBBBA rules, all overtime pay is exempt from federal income tax. A firefighter earning $10,000/year in overtime saves approximately $1,200–$2,200 in federal taxes annually depending on their marginal bracket.
Firefighter Take-Home by State
Below is an estimate of firefighter take-home pay by state based on median salary, taxes, and pension contributions.
Use the calculator above for a personalized breakdown based on your actual salary and deductions.
State
State Tax Rate
Est. Annual Take-Home
Monthly Take-Home
Firefighter Pay FAQ
Common questions about firefighter salaries, taxes, pensions, and overtime pay in 2026.
Calculate Your Full 2026 Take-Home Pay
Use our full salary calculator to see your complete paycheck breakdown including all deductions, pay frequencies, and state comparisons.