Dump Truck Owner-Operator Income: What You'll Actually Take Home
January 27, 2026·8 min read
Short answer
A single truck grosses $12,000–$28,000 per month depending on region and utilization. After fuel, insurance, maintenance, and payment, expect to take home 25–40% of gross — roughly $3,500–$10,500/month net for one truck.
Gross revenue makes for great social posts and terrible business plans. The number that matters is what lands in your account after fuel and payments.
One-truck P&L, realistic month
| Line | Amount |
|---|---|
| Gross revenue (140 billable hours × $115/hr) | $16,100 |
| Fuel (about 950 gallons at $4.10) | -$3,895 |
| Insurance (auto + cargo + GL, monthly) | -$550 |
| Truck payment (used tandem, financed) | -$1,150 |
| Maintenance reserve ($0.18 per mile × 3,200) | -$576 |
| IFTA / permits / tolls | -$225 |
| Phone, dispatch, admin | -$180 |
| Total operating cost | -$6,576 |
| Net before tax | $9,524 |
| Set aside for tax (~25%) | -$2,381 |
| Take-home | $7,143 |
That's a strong month with a truck you own and steady GC work. A slow week in February with two weather days looks nothing like that. Build your first-year plan around the average, not the best month.
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