Texas Paycheck Calculator 2026

Texas Payroll Tax Overview

Texas is one of nine US states that do not impose a state income tax on wages. This gives TX workers a significant take-home pay advantage compared to high-tax states like California (13.3%) or New York (10.9%). Your paycheck in Texas is subject only to federal income tax and FICA — Social Security (6.2%) and Medicare (1.45%).

Federal income tax uses graduated brackets: 10% on the first $11,925, 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% above that (2026 single-filer brackets). Your effective federal tax rate will be lower than your marginal rate because only income above each threshold is taxed at the higher rate.

Pre-tax deductions — such as 401(k) contributions, health insurance premiums, and HSA contributions — reduce your taxable income before federal tax is applied. This calculator estimates your net take-home pay after all standard deductions.

Federal vs Texas Tax Burden

Because Texas has no state income tax, your entire tax burden is federal. For a single filer earning $60,000, estimated federal income tax is roughly $6,748 (11.2% effective rate), plus $3,720 in Social Security and $870 in Medicare. Total deductions: approximately $11,338, leaving take-home pay around $48,662 annually — or $1,872 biweekly.

Compare that to a California worker earning the same $60,000: they'd owe an additional ~$2,800 in state income tax, plus California SDI (~$660). The Texas worker keeps roughly $3,460 more per year simply from the absence of state income tax.

No-tax states fund public services through other revenue — property taxes, sales taxes, severance taxes on natural resources, or tourism revenue. Always compare the full tax picture (property, sales, etc.) when evaluating a state's total tax burden.

How to Use This Texas Paycheck Calculator

Enter your pay period (weekly, biweekly, semimonthly, monthly, or annual), then input either your annual gross salary or your hourly rate and average hours per week. Select your federal filing status — single, married filing jointly, married filing separately, or head of household — as this determines your federal tax brackets and standard deduction.

If you have pre-tax deductions such as a 401(k) contribution, health insurance premium, or HSA contribution, enter the total per-period dollar amount. These reduce your taxable income before federal and state taxes are calculated. The calculator will show federal income tax, Social Security (6.2%), Medicare (1.45%), your total deductions, and your net take-home pay — both per period and annualized.

Results are estimates based on standard assumptions and 2026 tax rates. Actual withholding may differ based on your W-4 elections, additional withholding, local taxes (in some cities), or retirement plan contribution limits. For precise payroll calculations, consult your payroll provider or a tax professional.

The Texas "No Income Tax" Trade-off: Property & Sales Tax Burden

Texas funds public services without a personal income tax, but workers pay it back in other ways. Per the Texas Comptroller of Public Accounts (comptroller.texas.gov): Texas has the 6th-highest effective property tax rate in the US at 1.74% of home value (vs CA 0.74%, FL 0.91%), and combined state+local sales tax averages 8.20% (vs California 8.85%, Tennessee 9.55%). A Texas household earning $60,000 with a $300,000 home pays roughly $5,220/year in property tax + ~$2,500/year in sales tax — about $7,720 in non-income state taxes. Compared to a Californian earning $60,000 paying ~$2,800 state income + ~$2,800 property + ~$2,300 sales = $7,900, Texas can be a wash for middle-income earners but a clear win for higher earners. Texas also has NO local payroll taxes — the city of Austin, Dallas, and Houston add zero payroll withholding. Updated 2026-06-24.

2026 Texas Paycheck Calculator: Worked Example for Salary & Hourly

This Texas paycheck calculator uses official 2026 IRS federal brackets (IRS Publication 15-T) and FICA rates (Social Security 6.2% on first $176,100; Medicare 1.45% on all wages, +0.9% on wages above $200,000 single / $250,000 MFJ). Salary worked example: $75,000 annual single filer, biweekly pay, $0 pre-tax → standard deduction $15,000 → taxable $60,000 → federal $6,748 + Social Security $4,650 + Medicare $1,088 = $12,486 total deductions → net $62,514/year or $2,404/biweekly. Hourly worked example: $25/hr × 40 hrs × 52 weeks = $52,000 gross → standard deduction $15,000 → taxable $37,000 → federal $3,234 + SS $3,224 + Medicare $754 = $7,212 → net $44,788/year or $861/week. Add 401(k) at 6% ($3,120) and the taxable income drops, saving about $686 federal tax. Compare to Texas neighbors: an Oklahoma earner at the same $75,000 owes ~$3,150 OK state tax on top; an Arkansas earner owes ~$2,800. Texas keeps that money.

Texas Paycheck by Metro — Cost of Living in Austin, Dallas, Houston, San Antonio

The same $75,000 Texas paycheck ($62,514 take-home) stretches differently across the state's four large metros. Per the BLS Texas regional data and Council for Community and Economic Research 2026 cost-of-living index (US = 100): Austin (COLI 119) — $62,514 nominal buys $52,533 of national purchasing power; median rent 1BR $1,650. Dallas (COLI 102) — $61,288 effective; 1BR $1,395. Houston (COLI 96) — $65,119 effective (highest real wage of the four); 1BR $1,285. San Antonio (COLI 91) — $68,697 effective; 1BR $1,180. All four metros collect zero city income tax, so the paycheck calculator above matches take-home in every ZIP — the difference is rent, groceries, and gas, not deductions.

Last updated 2026-07-09. Sources: IRS Publication 15-T, Texas Comptroller, BLS Texas regional data.

Texas Paycheck Take-Home Chart — $40K to $200K (Weekly, Biweekly, Monthly, 2026)

Same annual gross, different pay-period cash flow. All figures assume a Texas single filer, 2026 IRS brackets, $15,000 standard deduction, no 401(k), no pre-tax deductions. $40,000 gross: net $34,314/year = $660/week, $1,320/biweekly, $2,860/monthly. $60,000: net $49,514 = $953/week, $1,905/biweekly, $4,126/monthly. $75,000: net $62,514 = $1,202/week, $2,404/biweekly, $5,209/monthly. $100,000: net $80,164 = $1,542/week, $3,083/biweekly, $6,680/monthly. $125,000: net $96,164 = $1,849/week, $3,699/biweekly, $8,014/monthly. $150,000: net $112,164 = $2,157/week, $4,314/biweekly, $9,347/monthly. $200,000: net $146,564 = $2,818/week, $5,637/biweekly, $12,214/monthly (+0.9% Medicare surtax on wages above $200K single filer per IRS Additional Medicare Tax rules). Biweekly pay produces two "3-paycheck" months per year — budget as 24 months not 26 and treat those bonus checks as emergency-fund or Roth-IRA feed. Per Texas Comptroller, the state does not adjust withholding for pay frequency because Texas has zero state income tax — annual take-home is identical whether paid 52× or 12×.

Source: IRS 2026 tax tables + Texas Comptroller + SSA 2026 OASDI wage base ($176,100). Updated 2026-07-17.

Paycheck Calculator Texas — Overtime, Bonuses & Supplemental Pay Rules

Texas follows federal Fair Labor Standards Act (FLSA) rules for overtime — no separate state overtime code. Non-exempt hourly employees earn 1.5× regular rate for hours over 40 in a workweek (per US DOL Wage & Hour Division); Texas does NOT require daily overtime after 8 hours (California-style), so a Texas worker doing four 10-hour shifts (40 hours) earns straight time all week. For salaried exempt workers earning below $58,656/year (2026 FLSA salary threshold), overtime pay is required. Bonuses in Texas follow IRS supplemental withholding: 22% flat federal on bonuses up to $1M/year, 37% above. No state supplemental adjustment because Texas has zero income tax — the full bonus post-FICA lands in your account minus the 22% federal withholding, and you reconcile at annual filing. This matters for signing bonuses and RSUs: a $50,000 Texas signing bonus withholds ~$11,000 federal + $3,825 FICA = net ~$35,175 same-year cash.

Source: US Department of Labor — Wage & Hour Division + IRS Publication 15 supplemental withholding. Updated 2026-07-09.