Texas Paycheck Calculator
Detailed paycheck estimator for workers in Texas (TX). Uses updated 2026 federal withholdings, FICA tax limits, and state-specific tax brackets.
Estimate Take-Home Income in TX
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Calculation Result
How much tax comes out of a paycheck in Texas?
Texas has no state income tax, so a W-2 single filer earning $75,000 in Texas takes home about $61,592.50 a year after federal tax and FICA — with no state withholding line at all.
W-2 tax structure in Texas
Texas is one of eight states that levies no wage income tax. Instead of taxing paychecks, the state leans on property taxes and a business franchise (margin) tax to fund public services. For a W-2 employee, your paycheck's only deductions are federal income tax and FICA.
Worked payroll example (gross $75,000 salary)
| Withholding Category | Annual Deduction |
|---|---|
| Gross Pay | $75,000.00 |
| Federal Income Tax | -$7,670.00 |
| FICA Tax (Social Security & Medicare) | -$5,737.50 |
| Net Take-Home Pay | $61,592.50 |
What makes Texas W-2 taxation different?
Texas property taxes average roughly 1.6% of assessed home values, representing one of the highest local property tax rates in the United States. According to the U.S. Census Bureau ACS 2024 estimates, the median household income in Texas is $79,721.
Relocating from or to Texas?
Both Texas and Florida skip income tax entirely, but they pay for it differently. Texas relies more on property taxes, while Florida leans harder on sales tax and tourism-driven revenue. If you own a home, Texas's property tax bill is usually the bigger factor in your total cost of living.
Frequently Asked Questions
Does Texas tax bonuses or overtime differently?
No. Texas has no state income tax at all, so bonuses and overtime are only subject to federal tax and FICA, same as regular wages.
Is there a Texas city or county income tax?
No. Texas does not permit local income taxes; you may see local property or sales tax, but not a payroll withholding line.
What is the median household income in Texas?
The median household income in Texas is $79,721 according to the 2024 U.S. Census Bureau ACS estimates.
How does Texas's cost of living compare?
The MERIC composite index for Texas is 91.1 (U.S. average = 100), meaning overall costs run about 9% below the national average.
- Federal baseline calculations: IRS Revenue Procedure 2025-32.
- FICA caps and limits: Social Security Administration (2026).
- State tax rates: Tax Foundation Individual Income Tax Rates (2026).
- Median household income: U.S. Census Bureau ACS (2024).
- Cost of Living Index: MERIC Cost of Living Data Series (2025).
Texas has no income tax, so property tax is where the money comes from
Texas is one of a handful of states with no personal income tax on wages, and no Texas city or county is permitted to levy one either. Your paycheck deductions are federal income tax and FICA. That is the entire list.
On $75,000, that means take-home of about $61,592.50, roughly $3,000 more than the same salary in California and around $3,500 more than in Virginia.
The money still has to come from somewhere, and in Texas it comes from property. Effective property tax rates average around 1.6% of assessed value, among the highest in the country, alongside a business franchise tax. If you rent, that cost reaches you indirectly through rent. If you own, it arrives as an annual bill that can rival what you would have paid in state income tax elsewhere.
The honest comparison is not "Texas has no income tax". It is: salaried renters keep noticeably more of their pay in Texas, and homeowners should run the property tax number for the specific county before assuming the same.
Texas is joint 1st of 50 for take-home pay
On a $80,000 salary, a single filer keeps $65,110 in Texasafter federal tax, Social Security, Medicare and state tax. 8 states are level here, because none of them taxes wage income.
Plan your Texas Budget: The Paycheck Split™
The Paycheck Split™
Divide your take-home pay to plan your budget (Essentials, Lifestyle, Financial Goals).