Texas Paycheck Calculator
Texas has no state income tax — estimate your take-home pay with just federal tax, Social Security, and Medicare deducted.
Texas payroll tax overview
Texas is one of nine US states with no state income tax, which means your paycheck deductions are limited to federal income tax, Social Security (6.2%), and Medicare (1.45%) — there's no extra state withholding line to account for. Texas funds its budget primarily through sales tax and property tax rather than income tax.
For the same gross salary, this generally means a higher take-home paycheck in Texas compared to a state with income tax — though it's worth weighing this against other costs like property taxes if you're comparing job offers across states.
Worked example
A single filer earning $65,000/year in Texas, paid biweekly:
| Item | Per paycheck | Annual |
|---|---|---|
| Gross pay | $2,500.00 | $65,000.00 |
| Federal income tax | ≈ $258.00 | ≈ $6,710.00 |
| Social Security | $155.00 | $4,030.00 |
| Medicare | $36.25 | $942.50 |
| Texas state tax | $0.00 | $0.00 |
| Net pay | ≈ $2,050.75 | ≈ $53,317.50 |
Local income context: how Texas compares
According to the most recent U.S. Census Bureau American Community Survey, Texas's median household income is $79,721 — close to, just below the 2024 national median of $81,604. Texas combines no state income tax with an income level close to the national median, reflecting the state's massive and diverse economy — energy remains central, but Austin's tech sector, Houston's medical and energy complex, and Dallas-Fort Worth's corporate headquarters presence have all added significant higher-wage employment in recent decades.
Median household income reflects a full household (often two earners), while the calculator above estimates take-home pay for a single individual's salary — so it's a useful benchmark for context rather than a direct comparison, but it helps illustrate how a given salary stacks up against typical earnings in Texas.
Frequently asked questions
How Texas funds public services without income tax
Texas relies heavily on sales tax (currently among the higher combined state-and-local rates in the country) and property tax to fund schools, roads, and public services in the absence of an income tax. This trade-off means Texas homeowners often pay relatively high property taxes compared to many income-tax states — something worth factoring in if you're comparing the overall tax burden of moving to Texas, not just the paycheck-level take-home pay this calculator shows.
Texas vs. nearby states
Texas shares its no-income-tax status with a handful of other states, but differs from neighbors like Oklahoma, New Mexico, and Arkansas, all of which do charge state income tax. For workers considering a move within the region, or companies hiring across state lines, the difference in take-home pay for an identical salary can be substantial — often several thousand dollars a year at typical income levels, simply due to the presence or absence of state income tax.
More frequently asked questions
Property tax: the trade-off worth knowing
While Texas residents save on income tax, the state's property tax rates are among the higher in the nation, which matters significantly for homeowners even though it doesn't show up in a paycheck calculator. Renters are generally insulated from this trade-off more directly, since the no-income-tax benefit applies fully to take-home pay regardless of whether you own or rent.