Illinois vs Texas Tax Comparison
Illinois vs Texas — Take-Home Pay Line Chart
This line chart compares your annual take-home pay in Illinois vs Texasacross five salary levels ($50K–$200K). The gap between the two lines shows exactly how much more (or less) you'd take home by choosing one state over the other.
At $75K Salary
Illinois: $58,017
Texas: $61,593
Texas wins by $3,575/yr
At $150K Salary
Illinois: $106,503
Texas: $113,791
Texas wins by $7,288/yr
10-Year Cumulative
At $100K salary, the difference compounds to $48,126 over 10 years — before investment returns.
* Chart shows annual net pay (after federal tax, FICA, and state income tax). NYC residents pay additional city tax not reflected in this chart. Use the interactive calculator above for personalized scenarios.
Illinois vs Texas Taxes — Quick Verdict
Comparing Illinois (4.95% flat income tax) vs Texas (0% (no state income tax) income tax) for the 2026 tax year, Texas saves you about $3,575 per year on a $75,000 single-filer salary. The gap widens at higher incomes — on $150,000, Texas saves you approximately $9,763 annually.
The biggest tax difference comes from state income tax. Illinois's rate is 4.95% flat, while Texas's rate is 0% (no state income tax). However, also consider property taxes — on a $400,000 home, Illinois charges about $7,120/year (1.78%) vs Texas's $6,840/year (1.71%).
Take-Home Pay Comparison: Illinois vs Texas
This table shows your annual take-home pay (after federal tax, FICA, and state tax) at different salary levels for single filers claiming the standard deduction. The "Difference" column shows how much more (or less) you'd take home living in Texas vs Illinois.
| Salary | Illinois (IL) | Texas (TX) | Difference | Winner |
|---|---|---|---|---|
| $50,000 | $40,017 | $42,355 | +$2,338 | TX |
| $75,000 | $58,017 | $61,593 | +$3,575 | TX |
| $100,000 | $74,367 | $79,180 | +$4,813 | TX |
| $150,000 | $106,503 | $113,791 | +$7,288 | TX |
| $200,000 | $139,164 | $148,927 | +$9,763 | TX |
* Calculations assume single filing status, 2026 standard deduction, and no pre-tax contributions (401(k), HSA). NYC residents pay additional city tax not shown in this table.
Tax Breakdown on $100,000 Salary
Illinois — Tax Breakdown
Texas — Tax Breakdown
On a $100,000 salary, your take-home in Illinois is $74,367 vs $79,180 in Texas. The difference of $4,813 per year (Texas wins) compounds significantly over a career — over 10 years, that's approximately $48,126 in additional take-home pay (before investment returns).
Beyond Income Tax: Property & Sales Tax
Income tax isn't the whole story. Both Illinois and Texas collect revenue from other sources, and these can offset (or worsen) income tax differences.
Property Tax (on $400K Home)
Sales Tax (Combined Avg.)
Illinois: Personal exemption of $2,775; no standard deduction. Texas: No state income tax; higher property taxes offset savings. Use our Relocation Calculator for a personalized salary comparison factoring in cost-of-living differences.
Methodology
Our Illinois vs Texas tax comparison uses the official 2026 tax brackets published by the IRS and each state's Department of Revenue. For single filers, we apply:
- •Federal standard deduction of $16,100 with progressive brackets from 10% to 37%
- •FICA: 6.2% Social Security (cap at $184,500) + 1.45% Medicare on all wages
- •Illinois state tax: 4.95% flat (4.95% effective)
- •Texas state tax: 0% (no state income tax) (0.00% effective)
- •No pre-tax deductions (401(k), HSA, FSA) — for those, use our Paycheck Calculator
All figures are for single filers. Married filing jointly and head of household will have different results — see our 2026 Federal Tax Brackets guide for full bracket details.
Related State Tax Resources
Illinois vs Texas Taxes — Frequently Asked Questions
Does Illinois or Texas have higher income tax?+
Which state has higher property taxes: Illinois or Texas?+
Is it cheaper to live in Illinois or Texas overall?+
Should I move from Illinois to Texas for tax savings?+
How do sales taxes compare between Illinois and Texas?+
How much would I save moving from Illinois to Texas on a $75K salary?+
Does Illinois or Texas have higher property taxes?+
Calculate Your Exact Take-Home Pay
Ready to see your actual numbers? Use our free tax calculators for Illinois and Texas — no sign-up, no email, instant results.
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Lead Tax Analyst & Editorial Director, TheTaxCalc
Rachel Mitchell is a Certified Public Accountant (CPA) licensed in Illinois with over 12 years of experience in individual and small-business taxation. She specializes in federal and state income tax compliance, FICA optimization, payroll tax strategy, and multi-state tax planning. Rachel holds an MS in Taxation from Golden Gate University and a BS in Accounting from the University of Illinois Urbana-Champaign. She is an active member of the American Institute of Certified Public Accountants (AICPA) and the Illinois CPA Society. Before joining TheTaxCalc, Rachel spent 8 years at a Big Four accounting firm advising high-net-worth clients on tax-efficient wealth strategies.