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Home / Hourly Rates / $19 Per Hour / Maine / Saco Paycheck
PAYCHECK & TAX BREAKDOWN

$19 an Hour is How Much a Week in Saco, ME?

An hourly pay rate of $19/hr in Saco, ME translates to $760 in gross weekly earnings based on full-time work of 2,080 annual hours before taxes.

Gross Annual $39,520 52 weeks @ 40 hrs
Gross Monthly $3,293.33 ~166.6 hours/month
Gross Weekly $760 40 hours/week
Overtime Rate (1.5x) $28.50 per hour after 40 hrs
Saco Affordability 99/100 Comfortable — Low Cost of Living
Saco Cost of Living Low Cost of Living
Avg 1BR Rent in Saco 30% Rule: $988/mo budget
$1,000/mo $12 over budget ✗
Saco Median Wage BLS Local Area Estimate
$17.20/hr +10.5% above local median

How Much is $19 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
$599.41

per week after Federal, FICA & State Taxes


Daily Net $119.88
Monthly Net $2,597.46

Estimated Tax Breakdown ($39,520 Gross)

Federal Income Tax (~7.0%) $2,758.4
FICA Tax (Social Security & Medicare 7.65%) $3,023.28
Maine State Tax (~6.5%) $2,568.8
*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
$36,780 COL-Adj. Annual
$3,065 COL-Adj. Monthly
$17.68/hr Real Wage Equiv.

Your $31,169.52 net pay in Saco has the equivalent purchasing power of $36,780/yr nationally due to Saco's LCOL cost-of-living tier — $5,610.48 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 $19.00/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: $988/mo (30% of gross)
City Avg 1BR Rent vs 30% Budget Needs Leftover Local Median Wage Housing Verdict
Saco ← You $1,000/mo $12 over +$299/mo $17.20/hr ⚠️ Tight
Biddeford $1,075/mo $87 over +$224/mo $18.49/hr ⚠️ Tight
Auburn $1,150/mo $162 over +$149/mo $19.78/hr ⚠️ Tight
South Portland $1,225/mo $237 over +$74/mo $21.07/hr ⚠️ Tight
Bangor $1,313/mo $325 over -$14/mo $22.57/hr ⚠️ Tight

*Needs Leftover = 50% of net pay ($1,299/mo) minus city average rent. Positive = comfortable; negative = rent strain.

City Report

Is $19.00/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

$19.00/hr covers all estimated living costs in Saco with $587/mo surplus.

Saco (LCOL) living wage threshold: $15.50/hr — your wage is $3.50/hr above this threshold.

Estimated Monthly Expenses in Saco

Expense Category Amount Share
Avg 1BR Rent — Saco $1,000 38.5% of net
Groceries & Food $320 12.3% of net
Utilities (Electric, Water, Internet) $110 4.2% of net
Transportation (Gas, Insurance, Transit) $280 10.8% of net
Healthcare & Insurance $180 6.9% of net
Personal & Miscellaneous $120 4.6% of net
Total Monthly Expenses $2,010 $587 surplus
Your Monthly Net Pay $2,597.46 100%

Saco Wage Percentile

$17.20/hr Saco Median Wage
$19.00/hr Your Hourly Rate
Top 47% of Saco Earners
73% of U.S. Median Income

Savings Milestones in Saco

Monthly Savings Capacity (20% of net) $519/mo
3-Month Emergency Fund Target $7,792
Months to Build Emergency Fund 15 months
20% Down Payment on Saco Median Home $48,000
Months to Save for Down Payment 5 months
50/30/20 BUDGET ALLOCATION

50/30/20 Budget Rule for $19/hr in Saco, ME

Based on estimated monthly take-home pay of $2,597.46 after taxes.

⚠️
Saco, ME Rent Deficit Warning ($12/mo Over Budget)

Average 1-bedroom rent in Saco ($1,000/mo) exceeds your 30% safe rent limit ($988/mo) by $12/month. Living with roommates or adjusting lifestyle wants is recommended in Saco.

Needs (50%) Essential
$1,298.73

Deducting $1000/mo Saco rent leaves $298.73/mo for groceries & bills.

Wants (30%) Lifestyle
$779.24

Dining out, Hobbies & Subscriptions

Savings & Debt (20%) Wealth
$519.49

Emergency fund, Investments

Housing Affordability

How Much Rent Can You Afford on $19/hr in Saco, ME?

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

Recommended Max Monthly Rent
$988 / mo
Based on the 30% gross rule ($3,293.33 x 0.30).
Ideal Rent Range: $757.47 - $988/mo
Max Stretch Rent (Take-home 40%): Up to $1,038.98/mo
Saco Average 1BR Rent Benchmark: $1,000/month
After paying average Saco rent ($1000/mo), you have $298.73/mo remaining for groceries, utilities & insurance.

Detailed Analysis: Is $19.00 an Hour a Good Wage?

A hourly wage of $19 in Saco, ME yields a gross weekly paycheck totaling $760 prior to payroll taxes and deductions. Earning $19/hr puts you ahead of the average worker in Saco, where the median wage is $17.20 per hour. Understanding how this rate translates per week is crucial for planning your budget.

Take-Home Pay & Net Cash Flow Analysis

After payroll tax withholdings, a $19/hr compensation package leaves you with a post-tax disposable income of approximately $599 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 $19 per hour in Saco, ME ($3,293/mo gross), this establishes an ideal rent ceiling of $988 per month. With the local average 1-bedroom rent in Saco sitting at $1000/mo, spending $988/mo safe limit requires roommates to avoid severe housing cost burden.

50/30/20 Monthly Budget Allocation

Structuring your $2,597 net monthly income using the 50/30/20 rule yields: $1,299/mo dedicated to mandatory living costs, $779/mo reserved for discretionary spending, and $519/mo directed into savings. Under this structure, your leftover Needs allocation is $299/mo after paying the average $1000/mo rent.

Saco Local Median Wage Benchmark ($17.20/hr) +10% Above Local Median
U.S. National Individual Median Income ($54,000/yr) -27% vs National Median

Frequently Asked Questions

How much is $19 an hour per week in Saco, ME?

Working a full-time 40-hour work week at $19/hr provides a gross weekly wage of $760 in Saco, ME before taxes.

What is the net weekly take-home pay for $19 an hour in Saco, ME?

After estimated federal, state, and local tax withholdings, a $19/hr wage results in a net take-home pay of approximately $599 per week in Saco, ME.

How many hours of work at $19/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 53 hours per month to cover rent.

Salary Paycheck Period

Compare different paycheck frequencies for this exact hourly rate.

Weekly