Wage garnishment in Oklahoma
On these earnings, Oklahoma caps ordinary garnishment at $200 a week. Figures assume $1,000 gross and $800 disposable earnings in a week, for ordinary consumer debt.
| Limit | Weekly maximum |
|---|---|
| Federal (Title III)15 U.S.C. §1673 | $200 |
| Oklahoma31 O.S. §1(A)(18); 12 O.S. §1171.1(B) | $200 |
Oklahoma exempts 75% of earnings, matching the federal rate — and a court may exempt more still on a showing of undue hardship.
seventy-five percent (75%) of all current wages or earnings for personal or professional services earned during the last ninety (90) days, except as provided in Title 12 of the Oklahoma Statutes relating to the collection of child support.
What this does not cover
- A court may exempt more than 75% on a showing that the ordinary limit would cause undue hardship to the debtor or their family. That is a judicial finding this calculator cannot anticipate, so the figure shown is a maximum.
Source: Oklahoma State Senate — Oklahoma Statutes Title 31, §1, read 2026-08-22.
Work out your own Oklahoma garnishment
Already set to Oklahoma. Enter your pay and this applies both limits — Oklahoma’s and the federal one — and shows whichever binds. Disposable earnings are computed for you, so a voluntary deduction cannot quietly shrink the garnishment base.
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Oklahoma garnishment: common questions
How much of my paycheck can be garnished in Oklahoma?
Oklahoma exempts 75% of earnings, matching the federal rate — and a court may exempt more still on a showing of undue hardship. On $1,000 gross and $800 disposable earnings a week, that works out to $200. Federal law alone would allow $200.
Do these limits cover child support or back taxes in Oklahoma?
No. Every figure here is for ORDINARY consumer debt. Child support and alimony carry their own, much higher federal limits — 50% to 65% of disposable earnings depending on whether you support another family and how far in arrears you are. Tax levies and bankruptcy orders are separate again, and Oklahoma carves out further exceptions listed above.
How much can be garnished for a federal student loan in Oklahoma?
Oklahoma's limit above does not apply. A defaulted federal student loan can be collected by administrative wage garnishment without a court judgment, "notwithstanding any provision of State law" (31 U.S.C. §3720D). The most it can take is 15% of disposable pay, and never so much that you keep less than 30 times the federal minimum wage — $217.50 a week (34 C.F.R. §34.19). On $800 of disposable earnings a week that is $120. Private student loans are different: they are ordinary consumer debt, need a court judgment first, and follow Oklahoma's limit.
What counts as disposable earnings?
Under federal law it is gross pay minus deductions REQUIRED by law: income tax, Social Security, Medicare, and legally mandated retirement. A voluntary deduction does not reduce disposable earnings even though it reduces take-home pay — a 401(k), health premium, HSA or union dues do not shrink what can be garnished.
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