How Much Is Texas State Income Tax in 2026?
Texas is one of nine U.S. states with no state income tax. That means your employer will not withhold Texas state income tax from your paycheck. But you will still owe federal income tax, Social Security, and Medicare — and Texas makes up the difference with some of the nation's highest sales and property taxes.
State income tax
0%
No tax on wages
State sales tax
6.25%
Up to 8.25% with local tax
Avg. property tax
~1.4%
Among the highest in the U.S.
$100k take-home
$79,180
Single filer, no pre-tax contributions
Quick Answer: Texas Has No State Income Tax
For the 2026 tax year, Texas does not tax personal income. This applies to wages, salaries, bonuses, commissions, and self-employment income. What you keep after taxes depends on:
- Federal income tax based on IRS brackets and your standard deduction
- FICA payroll taxes (Social Security and Medicare)
- Optional pre-tax contributions such as a traditional 401(k) or HSA
For a single filer earning $100,000 in Texas, the estimated take-home pay is roughly $79,180 after federal tax and FICA — with no state income tax deducted.
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What Texas Workers Pay Instead of State Income Tax
With no state income tax, Texas funds public services through other taxes. The two that most affect residents are:
- Sales tax: The state rate is 6.25%. Cities, counties, and special districts can add local sales taxes, bringing the total to as much as 8.25% in many metro areas.
- Property tax: Texas has no state-level property tax, but local property taxes are among the highest in the country. The average effective rate is roughly 1.4% of a home's value, according to the Tax Foundation.
These taxes are not withheld from your paycheck like income tax, but they do affect your overall cost of living.
Take-Home Pay by Income Level in Texas
Here is what a single filer in Texas can expect to keep after federal income tax and FICA in 2026. These estimates use the standard deduction and assume no pre-tax contributions.
| Gross Income | Federal Tax | FICA | TX State Tax | Take-Home Pay |
|---|---|---|---|---|
| $50,000 | $3,820 | $3,825 | $0 | $42,355 |
| $75,000 | $7,670 | $5,738 | $0 | $61,593 |
| $100,000 | $13,170 | $7,650 | $0 | $79,180 |
| $150,000 | $24,734 | $11,475 | $0 | $113,791 |
| $200,000 | $36,734 | $14,339 | $0 | $148,927 |
Texas Tax Breakdown at $100,000
These figures are generated using the 2026 IRS federal tax brackets, the single filer standard deduction of $16,100, and FICA rates of 6.2% for Social Security (up to the $184,500 wage base) and 1.45% for Medicare. Wages above $200,000 for single filers are also subject to an additional 0.9% Medicare tax.
Texas vs. California: How Much More Do You Keep?
The biggest appeal of Texas for many workers is the extra take-home pay compared with high-tax states. Here is the same income in California, which has a progressive state income tax up to 13.3%:
| Gross Income | California Take-Home | Texas Take-Home | Texas Advantage |
|---|---|---|---|
| $50,000 | $41,162 | $42,355 | +$1,193 |
| $75,000 | $58,665 | $61,593 | +$2,928 |
| $100,000 | $73,972 | $79,180 | +$5,208 |
| $150,000 | $103,933 | $113,791 | +$9,858 |
| $200,000 | $134,419 | $148,927 | +$14,508 |
The gap widens as income rises because California's state tax rates climb with earnings, while Texas applies no state income tax at any income level.
How to Pay Less Tax as a Texas Worker
Even without a state income tax, federal taxes take a meaningful bite. Here are the most effective ways to reduce your tax bill in Texas:
- Max out a traditional 401(k): Contributions reduce your federal taxable income. In 2026, the employee limit is $24,500 (or $32,500 if you are 50 or older).
- Contribute to an HSA: If you have a high-deductible health plan, HSA payroll contributions avoid federal income tax and FICA. For 2026, the limits are $4,400 for self-only coverage and $8,750 for family coverage.
- Use a health FSA: A health flexible spending account lets you set aside up to $3,400 in 2026 pre-tax for medical expenses, reducing your federal taxable income.
- Consider itemizing if it helps: While the standard deduction is high ($16,100 for single filers in 2026), homeowners with high property tax and mortgage interest may benefit from itemizing on their federal return.
2026 Federal Tax Basics Every Texas Worker Should Know
Because Texas has no state income tax, your paycheck depends almost entirely on federal tax rules. Here are the key 2026 numbers for single filers:
- Standard deduction (single): $16,100
- Standard deduction (married filing jointly): $32,200
- Standard deduction (head of household): $24,150
2026 Federal Tax Brackets for Single Filers
| Taxable Income | Tax Rate |
|---|---|
| $0 – $12,400 | 10% |
| $12,400 – $50,400 | 12% |
| $50,400 – $105,700 | 22% |
| $105,700 – $201,775 | 24% |
| $201,775 – $256,225 | 32% |
| $256,225 – $640,600 | 35% |
| Over $640,600 | 37% |
Frequently Asked Questions
Does Texas have a state income tax?
No. Texas does not impose a state income tax on wages, salaries, or self-employment income. This is confirmed by the Texas Comptroller of Public Accounts, which collects sales tax, franchise tax, and other state taxes but not personal income tax.
Do I still pay federal taxes if I live in Texas?
Yes. Federal income tax, Social Security tax, and Medicare tax still apply no matter which state you live in.
How much is $100,000 after taxes in Texas?
A single filer earning $100,000 in Texas pays approximately $13,170 in federal income tax and $7,650 in FICA, leaving an estimated net annual pay of about $79,180.
Are bonuses taxed in Texas?
Texas does not tax bonuses. Federal withholding on bonuses is typically 22% (or 37% above $1 million), and FICA taxes also apply.
What is the sales tax in Texas?
The state sales tax rate is 6.25%. With local taxes, the total can reach 8.25% in many cities and counties.
Is Texas really cheaper than California?
For income taxes, yes. A single filer earning $100,000 keeps roughly $5,200 more per year in Texas than in California. However, property taxes and sales taxes can offset some of those savings, especially for homeowners in high-property-tax counties.
How can I calculate my exact Texas take-home pay?
Use our free Texas take-home pay calculator to get a personalized estimate based on your exact income, filing status, 401(k), and HSA contributions.
Calculate Your Texas Take-Home Pay
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Disclaimer: This guide is for informational purposes only and does not constitute tax, legal, or financial advice. Tax laws change frequently. Sources: IRS Revenue Procedure 2025-32 and IR-2025-103 (federal brackets and standard deductions); IRS Topic 751 and SSA Contribution and Benefit Base (FICA rates and wage base); Texas Comptroller of Public Accounts (no state income tax and sales tax); Tax Foundation (property tax context). Consult a qualified tax professional for advice specific to your situation.