Truck Driver · Denver, CO

59.6 hours of work

cover a month's rent on a one-bedroom in Denver for a truck driver earning the median $30.72 an hour.

Strained Rank 11 of 20 for Heavy and Tractor-Trailer Truck Drivers (by rent share of take-home) · Metro median pay is 9% above this job's U.S. median

Median pay
$63,900
per year · $30.72/hr · 14,320 Heavy and Tractor-Trailer Truck Drivers
1-bedroom rent
$1,831
per month · HUD Fair Market Rent FY2027 (effective Oct 1, 2026)
Take-home
$4,460
per month after federal tax + FICA
Left after rent
$2,629
per month · yours · 41% of take-home

Hours of work = monthly rent ÷ BLS median hourly wage ($1,831 ÷ $30.72). After federal taxes the same rent takes 71.2 h of take-home pay. CO state income tax isn't deducted, so real take-home is a bit higher-taxed.

EARNINGS STATEMENT FY2027 (effective Oct 1, 2026)
Truck Driver
Denver-Aurora-Centennial, CO
Rate (median, hourly)$30.72
Hours in a month173.3
Gross pay$5,325
Federal income tax−$457
Social Security + Medicare−$407
Take-home$4,460
Rent · 1BR · HUD FMR−$1,831

Rent costs

59.6 hours

of work to cover one month

STUB-01

Wages May 2025 estimates · Rent FY2027 (effective Oct 1, 2026)

01 · Paycheck prints

A month at the median wage, line by line.

Rate $30.72 × 173.3 hours (2,080 ÷ 12) prints gross pay of $5,325.

EARNINGS STATEMENT FY2027 (effective Oct 1, 2026)
Truck Driver
Denver-Aurora-Centennial, CO
Rate (median, hourly)$30.72
Hours in a month173.3
Gross pay$5,325
Federal income tax−$457
Social Security + Medicare−$407
Take-home$4,460
Rent · 1BR · HUD FMR−$1,831

Rent costs

59.6 hours

of work to cover one month

STUB-01

Wages May 2025 estimates · Rent FY2027 (effective Oct 1, 2026)

02 · Taxes peel off

Federal income tax and FICA come off the stub.

2026 single filer, standard deduction. State income tax is not deducted here.

Federal income tax 2026, single−$457
Social Security + Medicare−$407

Taxes · $865 · peeled

03 · Rent tears away

A strip as tall as the rent.

59.6 h

of work at $30.72/hr pays $1,831, one month of a one-bedroom in Denver. The strip is drawn to scale: $1,831 of a $5,325 gross month (34% of stub).

Background tint · rent burden 41.0% of take-home

Rent · 1BR FMR−$1,831

Hours of work

59.6

HUD Fair Market Rent FY2027 (effective Oct 1, 2026) · Denver metro

04 · What's left is yours

After tax and the 1-bedroom, this remains.

Strained

What's left · yours

$2,629

Take-home before rent$4,460
2BR instead (−$2,169)$2,291
vs HUD 30%-of-gross rule0.87×

05 · Floor plan

The stub becomes a one-bedroom.

Rent hatches rooms in ledger red, to scale against take-home. Toggle a 2-bedroom — both figures are precomputed HUD FMRs.

1-bedroom floor plan with rent hatched LIVING BED BATH KITCHEN

Hatched share is 41% of take-home (1BR).

06 · Street grid

How Denver compares for Heavy and Tractor-Trailer Truck Drivers

Hours of work to cover a one-bedroom's rent, all metros, fewest hours first.

Comfortable (rent ≤ 30% of take-home)Stretched (30–40%)Strained (> 40%)

Sorted by hours of work (1-bedroom HUD FMR ÷ median hourly wage), fewest first. Rank on the page still uses rent share of take-home.

# Metro Hours Rent Wage / hr 0 – 52 h (HUD 30% of gross)
01 Detroit 41.0 h $1,167 $28.43
02 Houston 46.1 h $1,261 $27.33
03 Minneapolis–St. Paul 46.2 h $1,427 $30.87
04 Phoenix 51.9 h $1,493 $28.74
05 Dallas–Fort Worth 53.7 h $1,536 $28.62
06 Philadelphia 54.6 h $1,558 $28.54
07 Baltimore 56.8 h $1,625 $28.59
08 Atlanta 57.0 h $1,619 $28.41
09 Riverside–San Bernardino 58.5 h $1,705 $29.13
10 Chicago 59.4 h $1,780 $29.95
11 Denver 59.6 h $1,831 $30.72
12 Seattle 63.6 h $2,180 $34.25
13 Tampa 67.8 h $1,648 $24.31
14 San Francisco 71.7 h $2,290 $31.95
15 Washington, DC 76.6 h $2,204 $28.76
16 San Diego 81.2 h $2,335 $28.74
17 Boston 81.8 h $2,518 $30.78
18 Los Angeles 82.8 h $2,402 $29.01
19 Miami 85.5 h $2,121 $24.80
20 New York 87.3 h $2,729 $31.27

The ledger

One month at the median wage, line by line, in dollars and in hours of work.

LinePer monthHours of workBasis
Gross pay$5,325173.3$63,900 ÷ 12
Federal income tax−$45714.9$5,488/yr ÷ 12
Social Security + Medicare−$40713.3$4,888/yr ÷ 12
Take-home$4,460145.2CO wage tax not deducted
Rent · 1BR FMR−$1,83159.6HUD FY2027 (effective Oct 1, 2026)
Yours$2,62985.6take-home − rent

Hours = dollars ÷ $30.72; 173.3 = 2,080 hrs ÷ 12. May not sum exactly due to rounding.

Hours of work for rent, by pay level

Same $1,831 one-bedroom, different truck driver paychecks.

10th · $23.21 78.9 h
25th · $28.03 65.3 h
Median · $30.72 59.6 h
75th · $35.00 52.3 h
90th · $39.72 46.1 h

Bar scale includes the HUD 30%-of-gross line at 52.0 h (52 h rounded). Same 1-bedroom, different paychecks (BLS wage percentiles ÷ 2,080 hrs).

Take-home vs rent

Monthly take-home pay: $4,460 1-bedroom Rent $1,831 Left $2,629 2-bedroom Rent $2,169 Left $2,291

Where Heavy and Tractor-Trailer Truck Drivers keep more after rent

This ranking uses rent share of take-home (rank 11 of 20), not hours.

≤30% of take-home30–40%>40%30% line

Sources & method

  1. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 — metropolitan areas — vintage: May 2025 estimates. File: oesm25ma.zip, retrieved 2026-10-06.
  2. U.S. Department of Housing and Urban Development (HUD USER), Fair Market Rents, FY2027 — vintage: FY2027 (effective Oct 1, 2026). File: FY27_FMRs.xlsx, retrieved 2026-10-05.
  3. Internal Revenue Service, Rev. Proc. 2025-32 (tax year 2026 brackets, $16,100 standard deduction) and SSA's $184,500 wage base, used for the take-home estimate.
  4. HUD FMR area: Denver-Aurora-Centennial, CO MSA (METRO19740M19740).
  5. Occupation: SOC 53-3032 Heavy and Tractor-Trailer Truck Drivers.

Take-home = annual wage − 2026 federal income tax (single filer, standard deduction) − Social Security and Medicare. State and local income taxes are not deducted. Wages are May 2025 estimates; rents are HUD Fair Market Rents FY2027 (effective Oct 1, 2026). Full details on the methodology page. Page data last rebuilt 2026-10-06.

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