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Wage Garnishment Limits in Oregon

In Oregon, 75% of disposable earnings is exempt and a worker keeps at least $400 a week (for wages payable July 1, 2026 to June 30, 2027), rising to 30 times the state minimum wage from July 1, 2027.

Last checked . General information, not legal advice.

Oregon at a glance

Garnishment limit for consumer debt
Exempt: greater of 75% or $400 a week
Weekly floor is $400 for wages payable July 1, 2026 to June 30, 2027; from July 1, 2027 it is 30x the Oregon minimum wage.
Garnishment allowed for consumer debt
Yes
Stricter than federal limit
Yes, higher protected floor
Head of household exemption
No

Sources

Last checked

The rules in Oregon

How much of your wages can be garnished for consumer debt in Oregon?

Garnishment limit for consumer debt in Oregon: Exempt: greater of 75% or $400 a week. Weekly floor is $400 for wages payable July 1, 2026 to June 30, 2027; from July 1, 2027 it is 30x the Oregon minimum wage.

Can wages be garnished for ordinary consumer debt in Oregon?

Yes. Garnishment allowed for consumer debt in Oregon: yes.

Does Oregon protect more wages from garnishment than federal law?

Yes, higher protected floor. Stricter than federal limit in Oregon: yes, higher protected floor.

Does Oregon give extra garnishment protection to a head of household?

No. Head of household exemption in Oregon: no.

Where do the Oregon wage garnishment limits come from?

The rules above come from Or. Rev. Stat. 18.385. Each source is linked on this page. We last checked them in October 2026.

Good to know

Senate Bill 1595 (2024) raised the protected weekly amount in steps: $305 from January 1, 2025, $338 from July 1, 2025 and $400 from July 1, 2026.

Starting in 2027, the State Court Administrator recalculates the protected amounts each year, effective July 1.

What this means in practice

Disposable earnings are what remains after deductions the law requires, such as income tax, Social Security and required withholding. Voluntary deductions like health insurance or retirement contributions are usually not subtracted, so the protected amount is often less than take home pay suggests.

The limits in this guide apply to ordinary consumer debt. Child support, alimony, federal and state taxes, and federal student loans follow separate rules that often allow a larger share of pay to be taken, even in states with strict limits for other debts.

Exemptions are often not applied automatically. A worker may need to file a claim of exemption with the court within a short deadline after receiving notice of the garnishment. Reading the notice promptly, and talking with the creditor about a payment plan or settlement, can keep more of each paycheck.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.