Texas take-home pay,
done right.
Texas has no state income tax — but your federal bill is still real. Drop in your salary and see exactly what you keep, what gets withheld, and how Texas stacks up against the high-tax states people leave to come here.
Estimates use 2026 projected federal brackets, the standard deduction for your filing status, and current FICA rates. Texas has no state income tax, so your gross is not reduced by any state withholding.
Built for Texans (and people moving here)
Most paycheck calculators are designed for the U.S. average. Ours is designed around the way Texas actually works: zero state income tax, some of the country’s highest property taxes, and a job market that’s pulled in over a million new residents since 2020.
Honest math
2026 federal brackets, FICA, the additional Medicare surtax, the SS wage base — all current, all transparent. We show our methodology.
Built for relocation
Compare Texas to California, New York, and other states side-by-side. Read what locals actually wish they knew before moving.
City-level context
Salaries hit differently in Frisco than in San Antonio. We break down cost of living and property tax by metro.
Pick the right calculator
Texas Tax Calculator
The flagship — full federal + FICA breakdown on any salary.
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Texas Paycheck Calculator
Per-check math with 401(k), HSA, and pay frequency.
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Texas Salary Calculator
Compare salaries year-over-year and against typical Texas roles.
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Texas Hourly Pay Calculator
Hourly to annual to take-home, with overtime in mind.
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Texas Bonus Tax Calculator
The 22% supplemental rate — and why your net is what it is.
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Texas 1099 Tax Calculator
Self-employment tax, the deductible half, and what to set aside.
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Texas, by the numbers
- $0 — state income tax on wages, capital gains, or retirement distributions.
- ~1.6%–2.3% — effective property tax rate in most major counties; among the highest in the U.S.
- 8.25% — typical combined sales tax in Austin, Dallas, Houston, and San Antonio (6.25% state + 2% local).
- ~600,000+ — net domestic migration into Texas between 2020 and 2024, the most of any state.
- $7.25 — federal minimum wage, which Texas has not raised at the state level.
Cities we cover in depth
Frequently asked questions
Does Texas have a state income tax?
No. Texas is one of nine U.S. states with no state income tax. Your paycheck has federal income tax and FICA (Social Security and Medicare) withheld, but no state-level wage tax. The Texas Constitution explicitly prohibits a personal income tax without voter approval.
How much of my salary do I keep in Texas?
On a $100,000 salary, a single filer in Texas typically keeps about $77,000–$79,000 after federal income tax and FICA. The exact figure depends on filing status, pre-tax 401(k) and HSA contributions, and how much you itemize. Use the calculator above for a personalized estimate.
What taxes do Texans pay instead of state income tax?
Texas funds itself through sales tax (6.25% state plus up to 2% local — usually 8.25% in major cities), property taxes (effective rates of 1.6%–2.3% in most counties — among the highest in the country), and a franchise tax on most businesses. For high earners, the savings on income tax often outweigh the higher property tax cost.
How does Texas compare to California for take-home pay?
On a $150,000 salary, a single filer keeps roughly $13,000–$15,000 more per year living in Texas vs. California once state income tax (top marginal rate of 13.3% in CA) and SDI are factored in. Cost of living and housing partially offset that gap depending on the city.
Is the calculator accurate for 2026?
Yes — we use the 2026 projected federal brackets (inflation-adjusted from the 2025 IRS values), 2026 standard deduction amounts, the projected Social Security wage base, and current FICA rates. Estimates are educational; for filing, consult a CPA or the IRS.
Related calculators & guides
$100k salary after taxes in Texas
What a six-figure paycheck actually feels like in Texas.
$150k salary after taxes in Texas
Mid-career take-home and how it compares to other states.
The Texas remote worker tax guide
Where you live, where you work, and what the IRS wants.
Is moving to Texas worth it financially?
An honest look at the trade-offs beyond income tax.