Wage Garnishment in Nevada

Nevada: 50× Multiplier Plus Tiered Percentage Caps

Nevada provides a uniquely strong combination of protections: the highest exemption multiplier in the nation (50× federal minimum wage) combined with tiered percentage caps that are lower for workers at or below $770/week gross pay. Under Nev. Rev. Stat. § 31.295, the garnishable amount is the LEAST of three limits.

The Three-Part Formula

1. Tiered percentage cap: 18% of disposable earnings if gross pay is $770/week or less; 25% if above $770/week
2. 50× exemption threshold: disposable earnings minus 50× federal minimum wage ($362.50/week)
3. Whichever produces the lowest garnishable amount

Practical Impact

A worker earning $500/week in disposable earnings:

• 18% tier applies (≤$770/week gross): 18% × $500 = $90
• 50× exemption: $500 − $362.50 = $137.50
• Garnishable: $90 (the lesser amount)

Same worker under the federal baseline: min(25% × $500, $500 − $217.50) = $125. Nevada’s protection saves this worker $35/week — $1,820/year.

Comparison to New Hampshire

New Hampshire also uses a 50× multiplier but lacks Nevada’s lower 18% percentage tier for lower-income workers, making Nevada more protective for workers in the $370-770/week range.

Nevada’s Asset Protection Reputation

Nevada is known as one of the most debtor-friendly states in the country, with:

• $605,000 homestead exemption
• Tiered wage garnishment protections
• Robust asset protection trust laws
• No state income tax (more take-home pay)

The NCLC gave Nevada a ‘C’ grade overall — strong on the garnishment exemption but with room for improvement on other consumer protections.

Statute: Nev. Rev. Stat. § 31.295; 15 U.S.C. § 1673 — Official source

This calculator is for consumer debt garnishment only. Not legal advice. Rules vary by debt type (student loans, child support, taxes). Verify with official sources before making any financial or legal decisions.