The 2025 government shutdown is now the longest funding lapse in U.S. history, surpassing the 2018-2019 shutdown during President Trump’s first term that previously held the record at 35 days. As this shutdown reaches its 37th day, a new original GOBankingRates research study indicates that federal employees across half of America will have lost access to more than $10,000 of income on average.
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Granted, these furloughed employees should receive their pay retroactively once the shutdown ends, but comments by Trump and his administration have sparked concern that this is not a guarantee. Regardless, 37 days without pay is a financial challenge for the majority of federal workers.
With that in mind, our research team found the average amount of money withheld due to the shutdown by calculating the total cost of living for each state using the average mortgage and expenditure costs. We sourced data from the Office of Personnel Management’s FedScope to determine each state’s average salary and number of civilian federal employees. The monthly and daily income withheld was calculated, and by using the number of days without pay (which is 37 at the time of publishing), the missing salary was calculated. Keep reading for our key findings.
Greggory DiSalvo / iStock.comKey Findings
Federal employees in Washington, D.C. have lost access to the most money so far. Though the federal district was not included in the state-by-state rankings, their total income withheld is $14,651 as the shutdown reaches Day 37.
Maryland, New Jersey and Virginia rank as the top three states for the most money withheld. Federal employees have lost access to more than $12,000 in each state. This amounts to $13,781 in Maryland, $12,409 in New Jersey and $12,196 in Virginia.
The income withheld in 25 states, or half of America, is more than $10,000 as the shutdown hits Day 37. The 25 states where federal employees have lost access to more than $10,000 include Maryland, New Jersey, Virginia, Rhode Island, Massachusetts, New Hampshire, Connecticut, California, Colorado, Illinois, Michigan, Ohio, Alabama, Vermont, New York, Minnesota, Delaware, Florida, Washington, Texas, West Virginia, Hawaii, Alaska, Pennsylvania and Nevada.
Scroll ahead to learn the amount of salary federal employees are missing for an estimated 37 days of the government shutdown, ranked from highest to lowest withheld income.
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DenisTangneyJr / Getty Images2. New Jersey
Total civilian federal employees: 22,684
Average salary: $122,416
Average daily pay: $335
Income withheld through Nov. 6: $12,409
Monthly cost of living for just necessities: $5,232
Kirkikis / Getty Images3. Virginia
Total civilian federal employees: 147,358
Average salary: $120,315
Average daily pay: $330
Income withheld through Nov. 6: $12,196
Monthly cost of living for just necessities: $4,208
Daniel Hanscom / Getty Images4. Rhode Island
Total civilian federal employees: 8,598
Average salary: $114,372
Average daily pay: $313
Income withheld through Nov. 6: $11,594
Monthly cost of living for just necessities: $4,825
iStock / iStock.com5. Massachusetts
Total civilian federal employees: 25,698
Average salary: $114,099
Average daily pay: $313
Income withheld through Nov. 6: $11,566
Monthly cost of living for just necessities: $6,093
Sean Pavone / Getty Images/iStockphoto7. Connecticut
Total civilian federal employees: 7,304
Average salary: $113,319
Average daily pay: $310
Income withheld through Nov. 6: $11,487
Monthly cost of living for just necessities: $4,697
MattGush / iStock.com8. California
Total civilian federal employees: 150,679
Average salary: $113,239
Average daily pay: $310
Income withheld through Nov. 6: $11,479
Monthly cost of living for just necessities: $6,706
Muhammad Zulkifal / Getty Images/iStockphoto9. Colorado
Total civilian federal employees: 41,167
Average salary: $109,719
Average daily pay: $301
Income withheld through Nov. 6: $11,122
Monthly cost of living for just necessities: $4,990
tunart / Getty Images10. Illinois
Total civilian federal employees: 45,213
Average salary: $108,069
Average daily pay: $296
Income withheld through Nov. 6: $10,955
Monthly cost of living for just necessities: $3,533
PapaBear / Getty Images/iStockphoto12. Ohio
Total civilian federal employees: 56,068
Average salary: $105,753
Average daily pay: $290
Income withheld through Nov. 6: $10,720
Monthly cost of living for just necessities: $3,269
Michael Warren / Getty Images13. Alabama
Total civilian federal employees: 41,319
Average salary: $105,678
Average daily pay: $290
Income withheld through Nov. 6: $10,713
Monthly cost of living for just necessities: $3,106
DenisTangneyJr / Getty Images14. Vermont
Total civilian federal employees: 3,368
Average salary: $105,633
Average daily pay: $289
Income withheld through Nov. 6: $10,708
Monthly cost of living for just necessities: $4,328
traveler1116 / Getty Images/iStockphoto15. New York
Total civilian federal employees: 54,092
Average salary: $104,690
Average daily pay: $287
Income withheld through Nov. 6: $10,612
Monthly cost of living for just necessities: $4,750
Joesboy / Getty Images/iStockphoto17. Delaware
Total civilian federal employees: 3,998
Average salary: $103,656
Average daily pay: $284
Income withheld through Nov. 6: $10,508
Monthly cost of living for just necessities: $4,173
iStock / iStock.com18. Florida
Total civilian federal employees: 95,167
Average salary: $102,226
Average daily pay: $280
Income withheld through Nov. 6: $10,363
Monthly cost of living for just necessities: $4,116
Cindy Shebley / Getty Images19. Washington
Total civilian federal employees: 58,505
Average salary: $101,787
Average daily pay: $279
Income withheld through Nov. 6: $10,318
Monthly cost of living for just necessities: $5,521
RoschetzkyIstockPhoto / iStock.com20. Texas
Total civilian federal employees: 130,686
Average salary: $99,998
Average daily pay: $274
Income withheld through Nov. 6: $10,137
Monthly cost of living for just necessities: $3,540
Art Wager / Getty Images22. Hawaii
Total civilian federal employees: 24,804
Average salary: $99,738
Average daily pay: $273
Income withheld through Nov. 6: $10,110
Monthly cost of living for just necessities: $8,194
Jacob Boomsma / Getty Images/iStockphoto23. Alaska
Total civilian federal employees: 11,658
Average salary: $99,686
Average daily pay: $273
Income withheld through Nov. 6: $10,105
Monthly cost of living for just necessities: $4,697
Sean Pavone / Getty Images/iStockphoto24. Pennsylvania
Total civilian federal employees: 66,656
Average salary: $98,871
Average daily pay: $271
Income withheld through Nov. 6: $10,023
Monthly cost of living for just necessities: $3,515
gchapel / Getty Images25. Nevada
Total civilian federal employees: 13,967
Average salary: $98,707
Average daily pay: $270
Income withheld through Nov. 6: $10,006
Monthly cost of living for just necessities: $4,469
Kruck20 / iStock.com27. North Carolina
Total civilian federal employees: 51,900
Average salary: $98,292
Average daily pay: $269
Income withheld through Nov. 6: $9,964
Monthly cost of living for just necessities: $3,771
Jon Mattrisch / Getty Images/iStockphoto28. Wisconsin
Total civilian federal employees: 17,946
Average salary: $96,895
Average daily pay: $265
Income withheld through Nov. 6: $9,822
Monthly cost of living for just necessities: $3,753
benedek / Getty Images29. Oregon
Total civilian federal employees: 20,952
Average salary: $96,700
Average daily pay: $265
Income withheld through Nov. 6: $9,802
Monthly cost of living for just necessities: $4,918
digidreamgrafix / Getty Images/iStockphoto30. South Carolina
Total civilian federal employees: 24,863
Average salary: $96,494
Average daily pay: $264
Income withheld through Nov. 6: $9,782
Monthly cost of living for just necessities: $3,556
Wirestock / Getty Images/iStockphoto32. Indiana
Total civilian federal employees: 24,499
Average salary: $96,107
Average daily pay: $263
Income withheld through Nov. 6: $9,742
Monthly cost of living for just necessities: $3,275
Davel5957 / Getty Images/iStockphoto33. Nebraska
Total civilian federal employees: 10,412
Average salary: $95,445
Average daily pay: $261
Income withheld through Nov. 6: $9,675
Monthly cost of living for just necessities: $3,363
Joel Carillet / Getty Images34. Iowa
Total civilian federal employees: 9,930
Average salary: $94,700
Average daily pay: $259
Income withheld through Nov. 6: $9,600
Monthly cost of living for just necessities: $3,130
Larry Gibson / iStock.com35. Louisiana
Total civilian federal employees: 19,486
Average salary: $94,597
Average daily pay: $259
Income withheld through Nov. 6: $9,589
Monthly cost of living for just necessities: $2,984
DenisTangneyJr / Getty Images/iStockphoto37. Kansas
Total civilian federal employees: 17,824
Average salary: $94,021
Average daily pay: $258
Income withheld through Nov. 6: $9,531
Monthly cost of living for just necessities: $3,212
Davel5957 / Getty Images/iStockphoto38. Arkansas
Total civilian federal employees: 14,269
Average salary: $92,368
Average daily pay: $253
Income withheld through Nov. 6: $9,363
Monthly cost of living for just necessities: $2,978
DenisTangneyJr / Getty Images/iStockphoto39. Maine
Total civilian federal employees: 12,717
Average salary: $92,299
Average daily pay: $253
Income withheld through Nov. 6: $9,356
Monthly cost of living for just necessities: $4,378
Sean Pavone / iStock.com40. Tennessee
Total civilian federal employees: 32,574
Average salary: $91,185
Average daily pay: $250
Income withheld through Nov. 6: $9,243
Monthly cost of living for just necessities: $3,574
peeterv / Getty Images42. Oklahoma
Total civilian federal employees: 42,212
Average salary: $89,358
Average daily pay: $245
Income withheld through Nov. 6: $9,058
Monthly cost of living for just necessities: $3,002
graphiknation / iStock.com43. Mississippi
Total civilian federal employees: 19,690
Average salary: $89,338
Average daily pay: $245
Income withheld through Nov. 6: $9,056
Monthly cost of living for just necessities: $2,840
JT Crawford / Getty Images/iStockphoto44. Kentucky
Total civilian federal employees: 23,449
Average salary: $88,043
Average daily pay: $241
Income withheld through Nov. 6: $8,925
Monthly cost of living for just necessities: $3,085
csfotoimages / Getty Images45. North Dakota
Total civilian federal employees: 5,736
Average salary: $87,935
Average daily pay: $241
Income withheld through Nov. 6: $8,914
Monthly cost of living for just necessities: $3,484
pabradyphoto / Getty Images/iStockphoto47. South Dakota
Total civilian federal employees: 8,940
Average salary: $84,991
Average daily pay: $233
Income withheld through Nov. 6: $8,616
Monthly cost of living for just necessities: $3,683
Kirk Fisher / Getty Images48. Idaho
Total civilian federal employees: 10,993
Average salary: $84,820
Average daily pay: $232
Income withheld through Nov. 6: $8,598
Monthly cost of living for just necessities: $4,486
DianeBentleyRaymond / Getty Images49. Montana
Total civilian federal employees: 11,353
Average salary: $84,397
Average daily pay: $231
Income withheld through Nov. 6: $8,555
Monthly cost of living for just necessities: $4,454
stockphoto52 / Getty Images/iStockphoto50. Wyoming
Total civilian federal employees: 6,832
Average salary: $83,876
Average daily pay: $230
Income withheld through Nov. 6: $8,502
Monthly cost of living for just necessities: $3,837
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Editor’s note on political coverage: GOBankingRates is nonpartisan and strives to cover all aspects of the economy objectively and present balanced reports on politically focused finance stories. You can find more coverage of this topic on GOBankingRates.com.
Methodology: For this study, GOBankingRates calculated the average income withheld to civilian federal employees in each state during the U.S. government shutdown. First, GOBankingRates used the US Census 2024 ACS to find the total population, population ages 65 and over, total households, and median household income. The cost-of-living indexes were sourced from Missouri Economic and Research Information Center for the second quarter of 2025. Using the national average expenditure costs for all households, as sourced from the Bureau of Labor Statistics Consumer Expenditure Survey for all consumer units, the average expenditure cost for each state can be calculated. The average single family home value was sourced from the Zillow Home Value Index for each state. The national average 30-year fixed mortgage rate was sourced from the Federal Reserve Economic Data and by assuming a 10% down payment, the average mortgage cost can be calculated for each state. Using the average mortgage and expenditure costs, the total cost of living can be calculated for each state. The yearly, monthly, and daily average cost of living was then calculated. Using data from the Office of Personnel Management’s FedScope, the average salary and number of civilian federal employees per state were sourced for each state. The monthly and daily income withheld was calculated and using the number of days without pay, the missing salary can be calculated. The states were sorted to show the highest withheld income amount first. All data was collected on and is up to date as of October 31, 2025.
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