Texas is one of only 9 states with no state income tax — meaning your paycheck only loses federal taxes, Social Security, and Medicare. Use our calculator below to see exactly what you take home in Texas for 2025.
2025 federal rates · No Texas state income tax
Texas has no personal state income tax. Your employer will not withhold any Texas state income tax from your paycheck. This makes Texas one of the most tax-friendly states for workers.
While Texans don't pay state income tax, you still pay federal income tax, Social Security (6.2%), and Medicare (1.45%) — the same as everyone else in the country.
Even without state taxes, your paycheck in Texas will still have the following deductions:
Federal income tax based on your income bracket and filing status. Social Security tax of 6.2% on wages up to $168,600. Medicare tax of 1.45% on all wages, plus an additional 0.9% on wages over $200,000 for single filers.
Here's how much different salaries take home in Texas after federal taxes:
| Annual Salary | Monthly Take-Home | Annual Take-Home | Effective Tax Rate |
|---|---|---|---|
| $40,000 | $2,923 | $35,076 | 12.3% |
| $60,000 | $4,178 | $50,136 | 16.4% |
| $80,000 | $5,370 | $64,440 | 19.5% |
| $100,000 | $6,502 | $78,024 | 22.0% |
| $150,000 | $9,268 | $111,216 | 25.9% |
*Estimates based on single filer, standard deduction, no other deductions.
Your take-home pay is the same across Texas (no local income taxes), but what that money buys varies significantly by city:
| City | Median Home Price | Avg Rent (1BR) | Cost of Living Index |
|---|---|---|---|
| Austin | $550,000 | $1,650 | High |
| Dallas | $390,000 | $1,420 | Moderate |
| Houston | $320,000 | $1,280 | Moderate |
| San Antonio | $275,000 | $1,100 | Low-Moderate |
| El Paso | $220,000 | $920 | Low |
See how Texas compares to other states: