Wage Garnishment in Oregon
Calculate Your Protected Paycheck in Oregon
Oregon: Inflation-Indexed Protections Under SB 1595
Oregon enacted SB 1595 (the Family Financial Protection Act) in 2025, creating a phased-in wage exemption that applies to ALL workers — not just heads of household. Under Or. Rev. Stat. § 18.385, Oregon now indexes its garnishment, homestead, and vehicle exemptions to inflation annually.
Current Protection (as of June 2026)
The protected amount is the greater of:
- 75% of disposable earnings, OR
- $338 per week (the current statutory minimum under SB 1595’s phase-in schedule)
The $338/week floor rises to $400/week on July 1, 2026 (10 days from now), then transitions to 30× the state minimum wage in July 2027 — at which point the formula becomes fully indexed and automatic.
Phased-In Schedule
| Period | Weekly Protected Floor |
|---|---|
| Jan–Jun 2025 | $305 |
| Jul 2025–Jun 2026 | $338 (current) |
| Jul 2026–Jun 2027 | $400 |
| Jul 2027+ | 30× state minimum wage (~$466 at current rates) |
Oregon’s Three-Tier Minimum Wage
Oregon has geographic minimum wage zones (all increasing by $0.50 on July 1, 2026):
- Standard: $15.05/hr (current) → $15.55 (Jul 2026)
- Portland Metro: $16.30/hr → $16.80 (Jul 2026)
- Non-Urban counties: $14.05/hr → $14.55 (Jul 2026)
West Coast Comparison
Among West Coast states, California uses a 20% cap with 48× state MW exemption, Washington uses 35× state MW with 80% of disposable protected, and Oregon’s SB 1595 represents the third distinct approach. All three West Coast states have now diverged meaningfully from the federal CCPA baseline.
Forward-Looking Policy
Oregon’s inflation-indexing addresses a core problem with the federal CCPA: static dollar values lose purchasing power over time. By automating annual adjustments (and switching to a wage-indexed formula in 2027), Oregon ensures protections strengthen rather than erode.
Statute: Or. Rev. Stat. § 18.385; 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.