What Waiters and Waitresses earn in Montgomery County, OH
If you are weighing a move or a job offer, start with $36,600: the median annual pay for Waiters and Waitresses in Montgomery County, OH. Spread over a standard 2,080-hour work year, that is $17.60 an hour. Because the wage survey covers the whole Dayton-Kettering-Beavercreek, OH metropolitan area, the number reflects employers across the region rather than a single town or a single company.
The mean wage is $41,970, which is 14.7% above the median, a sign that a group of high earners lifts the average. The survey counts about 4,700 people working in this occupation across the Dayton-Kettering-Beavercreek, OH metropolitan area, so the estimate rests on a substantial pool of workers. Montgomery County, OH has roughly 536,096 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Waiters and Waitresses in the Dayton-Kettering-Beavercreek, OH metropolitan area is not one number. The lowest-paid tenth of workers earn up to $23,680 a year ($11.38 an hour), while the highest-paid tenth earn $63,370 or more ($30.47 an hour). That is a gap of $39,690 between the bottom and the top of the scale. The middle half of workers falls between $29,070 at the 25th percentile and $49,080 at the 75th percentile. A top-tier earner makes 2.7 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Converted to an hourly wage, the median for Waiters and Waitresses in Montgomery County, OH is $17.60. A full-time schedule of 40 hours for 52 weeks adds up to $36,600, and the same salary is $3,050 a month before taxes or about $1,408 per biweekly pay period. After taxes the same job pays $15.05 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Waiters and Waitresses
The U.S. Department of Labor's O*NET database describes the work of Waiters and Waitresses this way: "Take orders and serve food and beverages to patrons at tables in dining establishment."
Core tasks recorded by O*NET include: "Check patrons' identification to ensure that they meet minimum age requirements for consumption of alcoholic beverages"; "Collect payments from customers"; "Write patrons' food orders on order slips, memorize orders, or enter orders into computers for transmittal to kitchen staff"; "Take orders from patrons for food or beverages".
Job outlook for Waiters and Waitresses
The Bureau of Labor Statistics projects national employment in this occupation to grow from 2,284,400 jobs in 2025 to 2,330,900 in 2035, a change of +2%, slower than the 3.5% projected for all occupations. The projection counts 423,100 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 18.5% of current employment each year.
Typical entry-level education: no formal educational credential. Typical on-the-job training to reach competency: short-term on-the-job training. BLS lists a national median annual wage of $35,230 for this occupation; the Montgomery County, OH median of $36,600 is 3.9% above it.
How pay in Montgomery County, OH compares
Compared with the Ohio average
Montgomery County, OH pays above the state benchmark. The Ohio employment-weighted average for Waiters and Waitresses is $36,140; the local median of $36,600 beats it by $460, or 1.3%. Within Ohio, the highest median we track for this job is $37,490 in Franklin County, OH.
Compared with the national average
The national employment-weighted average for Waiters and Waitresses is $33,856 across the contiguous United States. At $36,600, Montgomery County, OH pays $2,744 more, which is 8.1% above that benchmark. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Montgomery County, OH
Among the 461 occupations with published wages in Montgomery County, OH, Waiters and Waitresses ranks number 412 by median pay, ahead of about 11% of them. The best-paying occupation we track here is General and Operations Managers at $98,030 a year, which is $61,430 more than the median for Waiters and Waitresses.
From gross pay to take-home pay
A salary of $36,600 does not arrive in full. We model a single filer with wage income only, the standard deduction and tax-year 2025 rules, and we keep the three tax layers apart: federal income tax, FICA (Social Security and Medicare) and state income tax. Together they take $5,288 a year, which leaves $31,312, or $2,609 a month.
Put another way, of every $100 earned, about $14 goes to taxes and $86 reaches the paycheck. The overall effective tax rate is 14.4%.
Federal income tax
After the $15,750 standard deduction, taxable income is $20,850. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 12% bracket. The resulting federal income tax is $2,264, an effective 6.2% of gross pay, well below the 12% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $2,269 on this salary. Medicare takes 1.45%, or $531. FICA totals $2,800, which is 7.6% of gross pay.
State income tax in Ohio
Ohio income tax on this salary is $224 a year, or 0.6% of gross pay, after the state's own deductions and exemptions are applied. That is 10% of the federal income tax bill, and it comes out to $19 a month. Local taxes such as county or city income taxes are not included, so a few jurisdictions may withhold slightly more.
A cross-check with IRS data for Montgomery County, OH
IRS Statistics of Income data for Montgomery County, OH show an average adjusted gross income of $70,942 per return and an average effective federal income tax rate of 11.6% across all filers. Filers in the $25,000 to under $50,000 bracket, where this salary falls, paid an average of 5.0%, compared with the 6.2% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Montgomery County, OH
Take-home pay only means something next to what life costs. We price four basics for one adult in Montgomery County, OH: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $31,312 of take-home pay.
Rent
The HUD Fair Market Rent for a one-bedroom apartment in Montgomery County, OH is $1,008 a month, or $12,096 a year. A two-bedroom costs $1,248 a month. For Waiters and Waitresses, a one-bedroom absorbs 38.6% of take-home pay and 33.0% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 9.4% of gross pay for Waiters and Waitresses in Montgomery County, OH. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using Ohio residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $1,689 a year and other home energy such as natural gas about $525, for $2,214 in total. Gasoline in Ohio averages $3.25 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,504.
What is left over
Add the four basics together and living costs come to $19,250 a year, 61% of take-home pay. That leaves $12,063 a year, or $1,005 a month, for savings, transportation beyond fuel, health care, debt and everything else. That margin equals 33.0% of gross pay, a comfortable cushion by common budgeting rules.
Local housing and commute data for Montgomery County, OH
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Montgomery County, OH: property taxes, housing prices and the daily commute. The figures below are exact U.S. Census Bureau American Community Survey 2020-2024 5-year estimates for Montgomery County, OH, set beside the Ohio and national medians.
Property taxes in Montgomery County, OH
Homeowners in Montgomery County, OH pay a median of $3,127 a year in real estate taxes, 11% above the Ohio median of $2,822 and in line with the U.S. median of $3,119. Against a median home value of $180,900, the median tax bill is 1.73% of that value (the ratio of the two county medians). For a worker paid the local Waiters and Waitresses median of $36,600, a tax bill of that size would equal 8.5% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Montgomery County, OH
Renters in Montgomery County, OH pay a median gross rent of $1,026 a month in the Census survey, in line with the Ohio median of $1,034. HUD's Fair Market Rent for a one-bedroom apartment, which this site uses in the budget, is $1,008 a month; the two measures differ because the Census figure covers units of every size that renters already occupy, while the HUD figure is a one-bedroom benchmark. The median value of an owner-occupied home is $180,900, 16% below the Ohio median of $214,800. Median household income is $66,139, 7% below the Ohio median of $71,389, so a year of one-bedroom Fair Market Rent equals 18.3% of that income.
Commuting in Montgomery County, OH
Workers in Montgomery County, OH who travel to a workplace spend an average of 21.9 minutes each way, 6% below the Ohio average of 23.4. For someone who commutes five days a week, that is 3.6 hours of round-trip travel every week, a cost the budget does not price. 12.0% of workers in Montgomery County, OH work from home, compared with 15.1% nationally, which removes the commute for them.
Can Waiters and Waitresses afford to live in Montgomery County, OH?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $36,600 that ceiling is $915 a month. The one-bedroom Fair Market Rent of $1,008 is $93 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $19.38 an hour; the median for Waiters and Waitresses is $17.60, which is 9% below that mark. Another way to see it: at $15.05 of take-home pay an hour, a one-bedroom takes about 15.5 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,248 a month means $624 each. Compared with renting a one-bedroom alone, that saves $4,608 a year. With a roommate, the yearly margin after the basics becomes $16,671.
How fast you can save
At $1,005 a month of margin, building a $10,000 emergency fund would take about 10 months. Setting aside half of the margin stretches the same goal to about 20 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Waiters and Waitresses pay in Montgomery County, OH
What is the hourly wage for Waiters and Waitresses in Montgomery County, OH?
The median is $17.60 per hour, based on $36,600 a year over 2,080 hours. Hourly pay runs from about $11.38 at the 10th percentile to $30.47 at the 90th percentile.
What is the take-home pay for Waiters and Waitresses in Montgomery County, OH?
After federal income tax, FICA and state income tax, the median salary of $36,600 becomes $31,312 a year. That is $2,609 a month, $1,204 every two weeks or $602 a week.
What percentage of pay goes to taxes for Waiters and Waitresses in Montgomery County, OH?
Total taxes are $5,288 a year, an effective rate of 14.4%: $2,264 federal income tax, $2,800 FICA and $224 Ohio income tax.
Is pay for Waiters and Waitresses in Montgomery County, OH above the Ohio average?
Yes. The local median of $36,600 is +1.3% versus the Ohio average of $36,140, a difference of $460 a year.
Is a one-bedroom rent affordable on the median Waiters and Waitresses salary in Montgomery County, OH?
A one-bedroom costs $1,008 a month against take-home pay of $2,609, which is 38.6% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $915 a month.
How much is left after rent, food and energy for Waiters and Waitresses in Montgomery County, OH?
About $1,005 a month ($12,063 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $19,250 a year.
What hourly wage covers a one-bedroom in Montgomery County, OH at the 30% guideline?
$19.38 an hour for a full-time schedule, calculated as the $12,096 annual rent divided by 0.30 and by 2,080 hours. The median for Waiters and Waitresses is $17.60.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the Dayton-Kettering-Beavercreek, OH metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the Ohio rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.