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Free Texas Tax Calculator — No Income Tax in TX

Free Texas tax calculator for 2026. Calculate take-home pay with 0% state income tax. Includes federal tax, FICA, property tax analysis & cost-of-living. No sign-up.

Last reviewed: January 2026 · Tax data verified against IRS Publication 15-T & state revenue departments

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How This Calculator Works

Zero. That's the Texas income tax rate. Not "close to zero" or "effectively zero." Actually zero. The Texas Constitution bans a state income tax, so this isn't changing.

Your only deductions are federal tax and FICA. Federal uses the 2026 progressive brackets (10%–37%) with standard deductions, plus 6.2% Social Security up to $184,500 and 1.45% Medicare on everything. No state line item on your pay stub. Period.

I talk to people who moved from California or New York and they can't get over how much more shows up in their bank account on the same salary. A $100K earner in Texas takes home roughly $79,000. Same salary in California? More like $71,000. That's an $8,000 difference from state tax alone.

But Texas gets you elsewhere. Property taxes average about 1.71% of home value — on a $300,000 house that's roughly $5,130 a year. That's among the highest in the country. Sales tax runs around 8.2% combined with local add-ons. The income tax savings are real, but the full picture is more complicated than "Texas has no income tax so it's cheaper."

If you're renting or own a modest home, Texas is hard to beat on taxes. But a $600K house changes the math — that property tax bill can eat into your income tax savings fast. Run the numbers. That's literally what this calculator is for.

How It's Calculated

Formula

Net Pay = Gross Income − (Federal Tax + FICA) — no state income tax

Step-by-Step

  1. 1Skip state income tax entirely — Texas has 0% per the state constitution
  2. 2Subtract pre-tax deductions (401(k), HSA) from gross pay
  3. 3Apply federal standard deduction ($16,100 single / $32,200 married)
  4. 4Calculate federal tax using progressive brackets (10%–37%)
  5. 5Calculate FICA: 6.2% Social Security (up to $184,500) + 1.45% Medicare
  6. 6Subtract federal tax and FICA from gross pay

Example

$100,000 salary, single in Texas: Federal tax ≈ $11,670. FICA = $7,650. No state tax. Net ≈ $80,680/year.

For detailed data sources and full methodology, see our Methodology & Data Sources page.

Key Rates & Data for 2026

Texas State Income Tax

0%

TX Avg Property Tax Rate

~1.71%

TX Avg Combined Sales Tax

8.2%

Federal Standard Deduction

$16,100 (single)

Social Security Rate

6.2% (up to $184,500)

Texas Tax Calculator FAQ

Does Texas have a state income tax?

Nope, zero. It's written into the Texas Constitution, so changing it would require a constitutional amendment — not happening anytime soon. Texas is one of nine states with no personal income tax on wages.

How does Texas make up for no income tax?

Property taxes — and they're hefty. The average effective rate is about 1.71%, which is among the highest in the nation. A typical homeowner is paying around $4,960 a year in property taxes. Then there's the 6.25% state sales tax (8.2% average when you add local taxes), plus revenue from oil and gas production and business franchise taxes. The state gets its money one way or another.

Is Texas really tax-free if property taxes are so high?

It really depends on your situation. If you're a high earner who rents or owns a modest home, Texas is fantastic — no income tax and limited property tax exposure. But if you own an expensive house, that 1.71% rate eats into your savings fast. A $500K home means about $8,550 a year just in property taxes. The math works differently for everyone.

What is the true cost of living tax burden in Texas?

For a household earning $75K with a $290K home and typical spending, you're looking at roughly $8,650 a year in non-income taxes — about $4,960 in property taxes plus $3,690 in estimated sales taxes. That sounds like a lot, but compare it to Illinois where the same earner would pay $3,575 in income tax AND $5,228 in property taxes. Texas still comes out ahead in most cases.

Does Texas tax retirement income?

No. Social Security, 401(k) withdrawals, IRAs, pensions — none of it gets taxed by Texas. With no state income tax at all, it's a solid option for retirees. Just keep those property taxes in mind when you're budgeting.

How much is $75,000 a year after taxes in Texas?

On a $75,000 salary in Texas, you take home approximately $61,593 per year after federal income tax ($8,118), FICA tax ($5,738), and zero state income tax. That breaks down to about $5,133 per month or $2,369 biweekly. Texas ranks among the top states for take-home pay on a $75K salary because there's no state income tax — only federal and FICA apply.

How to calculate take-home pay in Texas?

To calculate your take-home pay in Texas: (1) Start with your gross salary. (2) Subtract federal income tax using your filing status and the 2026 federal brackets. (3) Subtract FICA tax — 6.2% Social Security (up to the $184,500 wage cap) plus 1.45% Medicare. (4) Subtract pre-tax deductions like 401(k) and HSA. (5) Texas has no state income tax, so subtract $0 for state tax. The result is your take-home pay. Our Texas Tax Calculator above does all of this instantly.

What is the best state for low taxes if I earn $100K?

For a $100,000 salary, the best states for low taxes are the nine no-income-tax states: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. In Texas, your take-home pay on $100K is approximately $79,180. However, consider total tax burden (property + sales tax), not just income tax. Texas has high property taxes (1.71% average), so if you own an expensive home, Florida (0.86% property tax) might be cheaper overall despite similar income tax savings.

What is the marginal tax rate vs effective tax rate in Texas?

In Texas (no state income tax), your marginal tax rate is the rate on your last dollar of federal income. For a $75,000 single filer in 2026, the marginal rate is 22% (the bracket from $48,351 to $103,350). Your effective tax rate is the average rate you actually pay — about 10.8% federal on $75,000 after the standard deduction. The effective rate is always lower than the marginal rate because the marginal only applies to your top bracket.

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<a href="https://thetaxcalc.com/texas-tax-calculator" title="0% Income Tax — Texas Tax Calculator 2026">0% Income Tax — Texas Tax Calculator 2026</a>

Compare with Other States

Illinois(4.95%)Florida(0%)California(1%–13.3%)New York(4%–10.9%)Georgia(5.49%)Virginia(2%–5.75%)North Carolina(4.5%)Pennsylvania(3.07%)Ohio(0%–3.99%)Michigan(4.25%)New Jersey(1.4%–10.75%)Colorado(4.4%)Arizona(2.5%)Washington(0%)Massachusetts(5%/9%)Indiana(3.05%)Tennessee(0%)Missouri(2%–4.8%)Maryland(2%–5.75%)Wisconsin(3.54%–7.65%)Minnesota(5.35%–9.85%)Oregon(4.75%–9.9%)All State Comparisons →

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