Calculate your take-home pay in The Lone Star State. Texas has no state income tax.
Texas has no individual income tax, a prohibition enshrined in the Texas Constitution. Texas funds government through sales tax (6.25% state rate, up to 8.25% with local additions), property taxes (which are among the highest in the nation), and oil and gas revenues. Texas also has no estate or inheritance tax.
| Item | Per Paycheck | Monthly | Annual |
|---|---|---|---|
| Gross Pay | - | - | - |
| Federal Income Tax | - | - | - |
| Texas State Tax | $0 | $0 | $0 |
| Social Security | - | - | - |
| Medicare | - | - | - |
| 401(k) + Pre-Tax | - | - | - |
| Take-Home Pay | - | - | - |
Texas has no state income tax. This calculator estimates your take-home pay after federal income tax, state income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) contributions. Enter your salary or hourly wage above to see a detailed breakdown of your paycheck.
Texas is one of nine states with no income tax, making it a major draw for businesses and workers relocating from high-tax states. Texas funds itself through sales tax (6.25% state rate, up to 8.25% with local additions), property taxes (which are among the highest in the nation), and energy-sector revenue. The absence of income tax means your entire salary, bonus, and investment income are free from state taxation.
Regardless of state taxes, all Texas workers pay federal income tax using the 2026 brackets: 10% on the first $11,925 of taxable income (single), 12% up to $48,475, 22% up to $103,350, 24% up to $197,300, 32% up to $250,525, 35% up to $626,350, and 37% on income above that. The standard deduction is $15,000 for single filers and $30,000 for married filing jointly in 2026.
All workers in Texas pay Social Security tax at 6.2% on wages up to $176,100 (2026) and Medicare tax at 1.45% on all wages. An additional 0.9% Medicare surtax applies to wages over $200,000 for single filers. These federal payroll taxes apply uniformly regardless of which state you live in.
Pre-tax deductions reduce your taxable income for both federal and state purposes. Contributing to a 401(k) (up to $24,500 in 2026, plus $8,000 catch-up if 50+) lowers both your federal and TX state tax bill. Health Savings Account (HSA) contributions ($4,300 individual, $8,550 family in 2026) are also pre-tax. Review your W-4 withholding: if you receive a large refund each year, you may be overwithholding, which means less money in each paycheck. The Tax Bracket Calculator shows your federal marginal and effective rates.
Texas funds itself through sales tax (6.25% state rate, up to 8.25% with local additions) and property taxes, which are among the highest in the nation at roughly 1.47% of assessed value. On a $350,000 home, that's about $5,145/year in property tax. High earners benefit the most from no income tax, but homeowners should factor in the property tax trade-off.
At higher incomes ($150K+), Texas's zero income tax saves $5,000-$10,000+ per year compared to states like California or New York. But on a $60,000 salary, the income tax savings are only about $2,000-$3,000, while property taxes on a $300,000 home eat $4,400/year. Run the full numbers for your situation.