Texas Salary Calculator 2026: No State Income Tax & Real Take Home Pay
Texas is one of nine US states with no state income tax, making it one of the most attractive destinations for high-income earners and remote workers. A $100,000 salary in Texas yields approximately $76,000-$78,000 in take-home pay — roughly $4,000-$6,000 more than the same salary in California or New York. This advantage has driven massive population growth, with Texas gaining more domestic migrants than any other state in recent years.
However, Texas compensates for the lack of income tax with some of the highest property taxes in the nation — averaging 1.60-1.80% of assessed home value, compared to the national average of about 1.1%. A $400,000 home in Texas costs roughly $6,400-$7,200 per year in property tax, versus $3,500-$4,000 in many income-tax states. Sales tax is also above average at 6.25% state plus up to 2% local, totaling 8.25% in most major metros. For homeowners, these costs can significantly offset the income tax savings.
This calculator converts your Texas salary across all standard pay frequencies. Since Texas has no state income tax, your deductions are limited to federal income tax and FICA (Social Security + Medicare), giving you a clearer gross-to-net conversion. Use the results to compare Texas take-home pay against other states or to plan your budget around actual paycheck amounts.
Key Data & Statistics
| Metric | Value |
|---|---|
| Texas State Income Tax | 0% (no state income tax) |
| Federal Tax Only | 10-37% (7 brackets) |
| FICA | 7.65% (SS 6.2% + Medicare 1.45%) |
| Texas Property Tax (avg) | 1.60-1.80% of home value |
| Texas Sales Tax | 6.25% state + up to 2% local |
| Texas Median Household Income | ~$73,000 |
| Take-Home Ratio (no state tax) | 75-82% of gross |
Pre-Calculated Examples
| Scenario | Gross | Net / Result | Details |
|---|---|---|---|
| $55K in Texas | $55,000 | $44,900 | Fed ~$5,000 + FICA ~$4,208 | No state tax |
| $85K in Texas | $85,000 | $67,000 | Fed ~$11,000 + FICA ~$6,503 | No state tax |
| $120K in Texas | $120,000 | $91,200 | Fed ~$19,500 + FICA ~$9,180 | No state tax |
| $85K TX vs CA | $85,000 | TX: $67,000 vs CA: $62,100 | Texas advantage: ~$4,900/year |
Calculate Your Salary
Salary Information
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Who Uses This Calculator?
Relocation from high-tax state
Calculate the income tax savings of moving to Texas from California, New York, or other high-tax states to determine if relocation is financially worthwhile.
Property tax budgeting
Estimate the property tax cost on a Texas home to understand how much of your income tax savings is offset by higher property taxes.
Remote work optimization
If you work remotely and can choose where to live, compare Texas take-home pay against other states to maximize your salary's purchasing power.
Total cost comparison
Look beyond income tax to compare total tax burden (property tax, sales tax, vehicle registration) in Texas versus income-tax states for a complete financial picture.