$
TakeHomePay takehomepay.online
Home Rates Taxes Budget
Home / Hourly Rates / $17 Per Hour / Maine / Saco Paycheck
PAYCHECK & TAX BREAKDOWN

$17 an Hour is How Much a Week in Saco, ME?

An hourly pay rate of $17/hr in Saco, ME translates to $680 in gross weekly earnings based on full-time work of 2,080 annual hours before taxes.

Gross Annual $35,360 52 weeks @ 40 hrs
Gross Monthly $2,946.67 ~166.6 hours/month
Gross Weekly $680 40 hours/week
Overtime Rate (1.5x) $25.50 per hour after 40 hrs
Saco Affordability 88/100 Moderate — Low Cost of Living
Saco Cost of Living Low Cost of Living
Avg 1BR Rent in Saco 30% Rule: $884/mo budget
$1,000/mo $116 over budget ✗
Saco Median Wage BLS Local Area Estimate
$17.20/hr -1.2% below local median

How Much is $17 an Hour After Taxes in Saco, ME?

Adjust hours, state, or filing status to calculate custom net take-home pay.

Weekly Hours: 40 hrs/wk
10 hrs (Part-time) 40 hrs (Full-time) 80 hrs
hrs/wk
Estimated Net Take-Home
$540.33

per week after Federal, FICA & State Taxes


Daily Net $108.07
Monthly Net $2,341.45

Estimated Tax Breakdown ($35,360 Gross)

Federal Income Tax (~6.4%) $2,259.2
FICA Tax (Social Security & Medicare 7.65%) $2,705.04
Maine State Tax (~6.5%) $2,298.4
*Estimates based on 2026/2027 IRS tax brackets with standard deduction. ✓ IRS Publication 15-T Verified
Saco Real Purchasing Power (COL-Adjusted) ↑ 118% of National Average
$33,155 COL-Adj. Annual
$2,763 COL-Adj. Monthly
$15.94/hr Real Wage Equiv.

Your $28,097.36 net pay in Saco has the equivalent purchasing power of $33,155/yr nationally due to Saco's LCOL cost-of-living tier — $5,057.64 more than the same salary in an average U.S. city.

Full Tax & Paycheck Breakdown

For the complete gross-to-net pay matrix, tax calculation, and PTO comparison for $17.00/hr in Maine:

Maine Full Breakdown →

Higher-Earning Cities Near Saco

Saco is one of the most affordable cities in Maine. Here's how nearby cities compare if you're weighing a move for career growth.

Safe Rent Budget: $884/mo (30% of gross)
City Avg 1BR Rent vs 30% Budget Needs Leftover Local Median Wage Housing Verdict
Saco ← You $1,000/mo $116 over +$171/mo $17.20/hr ⚠️ Tight
Biddeford $1,075/mo $191 over +$96/mo $18.49/hr ⚠️ Tight
Auburn $1,150/mo $266 over +$21/mo $19.78/hr ⚠️ Tight
South Portland $1,225/mo $341 over -$54/mo $21.07/hr ⚠️ Tight
Bangor $1,313/mo $429 over -$142/mo $22.57/hr 🔴 Difficult

*Needs Leftover = 50% of net pay ($1,171/mo) minus city average rent. Positive = comfortable; negative = rent strain.

City Report

Is $17.00/hr a Living Wage in Saco, ME?

Full monthly expense breakdown based on Saco cost-of-living data and BLS Consumer Expenditure benchmarks.

Living Wage Confirmed in Saco

$17.00/hr covers all estimated living costs in Saco with $331/mo surplus.

Saco (LCOL) living wage threshold: $15.50/hr — your wage is $1.50/hr above this threshold.

Estimated Monthly Expenses in Saco

Expense Category Amount Share
Avg 1BR Rent — Saco $1,000 42.7% of net
Groceries & Food $320 13.7% of net
Utilities (Electric, Water, Internet) $110 4.7% of net
Transportation (Gas, Insurance, Transit) $280 12.0% of net
Healthcare & Insurance $180 7.7% of net
Personal & Miscellaneous $120 5.1% of net
Total Monthly Expenses $2,010 $331 surplus
Your Monthly Net Pay $2,341.45 100%

Saco Wage Percentile

$17.20/hr Saco Median Wage
$17.00/hr Your Hourly Rate
Bottom 50% of Saco Earners
65% of U.S. Median Income

Savings Milestones in Saco

Monthly Savings Capacity (20% of net) $468/mo
3-Month Emergency Fund Target $7,024
Months to Build Emergency Fund 15 months
20% Down Payment on Saco Median Home $48,000
Months to Save for Down Payment 6 months
50/30/20 BUDGET ALLOCATION

50/30/20 Budget Rule for $17/hr in Saco, ME

Based on estimated monthly take-home pay of $2,341.45 after taxes.

⚠️
Saco, ME Rent Deficit Warning ($116/mo Over Budget)

Average 1-bedroom rent in Saco ($1,000/mo) exceeds your 30% safe rent limit ($884/mo) by $116/month. Living with roommates or adjusting lifestyle wants is recommended in Saco.

Needs (50%) Essential
$1,170.72

Deducting $1000/mo Saco rent leaves $170.72/mo for groceries & bills.

Wants (30%) Lifestyle
$702.43

Dining out, Hobbies & Subscriptions

Savings & Debt (20%) Wealth
$468.29

Emergency fund, Investments

Housing Affordability

How Much Rent Can You Afford on $17/hr in Saco, ME?

Financial experts recommend spending no more than 30% of your gross income on housing.

Recommended Max Monthly Rent
$884 / mo
Based on the 30% gross rule ($2,946.67 x 0.30).
Ideal Rent Range: $677.73 - $884/mo
Max Stretch Rent (Take-home 40%): Up to $936.58/mo
Saco Average 1BR Rent Benchmark: $1,000/month
After paying average Saco rent ($1000/mo), you have $170.72/mo remaining for groceries, utilities & insurance.

Detailed Analysis: Is $17.00 an Hour a Good Wage?

Earning $17 per hour in Saco, ME translates to a total pre-tax gross compensation of $680 per week based on full-time work of 2,080 annual hours. Compared to the local Saco median wage of $17.20/hr, your wage is below the local median by 1.2%. Positioned relative to typical U.S. benchmarks, this wage level offers a reliable income stream.

Take-Home Pay & Net Cash Flow Analysis

After payroll tax withholdings, a $17/hr compensation package leaves you with a post-tax disposable income of approximately $540 per week in Saco, ME after statutory Federal withholdings.

Housing Affordability & Safe Rent Guidance

Financial advisors generally recommend capping housing expenditures at 30% of gross earnings. For a worker earning $17 per hour in Saco, ME ($2,947/mo gross), this establishes an ideal rent ceiling of $884 per month. With the local average 1-bedroom rent in Saco sitting at $1000/mo, spending $884/mo safe limit requires roommates to avoid severe housing cost burden.

50/30/20 Monthly Budget Allocation

Structuring your $2,341 net monthly income using the 50/30/20 rule yields: $1,171/mo dedicated to mandatory living costs, $702/mo reserved for discretionary spending, and $468/mo directed into savings. Under this structure, your leftover Needs allocation is $171/mo after paying the average $1000/mo rent.

Saco Local Median Wage Benchmark ($17.20/hr) -1% Below Local Median
U.S. National Individual Median Income ($54,000/yr) -35% vs National Median

Frequently Asked Questions

How much is $17 an hour per week in Saco, ME?

Working a full-time 40-hour work week at $17/hr provides a gross weekly wage of $680 in Saco, ME before taxes.

What is the net weekly take-home pay for $17 an hour in Saco, ME?

After estimated federal, state, and local tax withholdings, a $17/hr wage results in a net take-home pay of approximately $540 per week in Saco, ME.

How many hours of work at $17/hr does it take to pay rent in Saco, ME?

Based on the local average 1-bedroom rent of $$1000 in Saco, ME, you would need to work approximately 59 hours per month to cover rent.

Salary Paycheck Period

Compare different paycheck frequencies for this exact hourly rate.

Weekly