PaycheckCalc

State paycheck calculator

Texas Paycheck Calculator (2026)

Enter your annual salary below to see your Texas take-home pay after federal, state, FICA, and any local taxes for 2026.

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Quick answer

Texas does not levy a state personal income tax, so paycheck withholding for a TX resident is federal income tax and FICA only. At $85,000 single, the after-tax estimate is $68,628 per year, or about $5,719 per month. No state line appears on the pay stub, and no city in Texas charges a local income tax on wages.

Texas funds state operations primarily through sales tax, franchise tax on businesses, and property tax. Wage earners see no state income tax line on the pay stub and file no state return on wage earnings. Federal income tax and FICA apply at the same rates as in any other state, with Social Security at the federal rate up to the annual wage base and Medicare on all wages. At $85,000 for a single filer, federal income tax lands at $9,870, the combined FICA line at $6,503, and take-home for the year at $68,628. The effective total rate is 19.26%, well below what the same salary would pay in California or New York. No Texas city or county imposes a wage tax, and the state has no State Disability Insurance program funded by employee payroll. Use the calculator below to model 401(k) or HSA contributions, swap to a different salary, or compare Texas against a state with income tax.

Texas state tax breakdown

Texas has no state income tax on wage income. The calculator below applies only federal income tax and FICA to your gross pay.

Major Texas metros

These metros do not levy a separate city income tax; paycheck math runs the Texas state schedule above. Each metro page adds city-specific context (cost of living, major employers, commute patterns) on top of the state calculator.

HoustonTexas metro contextDallasTexas metro contextAustinTexas metro contextSan AntonioTexas metro context

vs. baseline ($85,000 single filer)

Texas is one of nine US states with no broad-based personal income tax. The same $85,000 salary takes home approximately $4,900 more than in a high-tax state like California.

What this estimate includes

This calculator computes Texas take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security at the federal rate up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), Texas's state income tax schedule above, and any local income tax or state-administered payroll program (SDI, PFML, FAMLI) when you select a city or county. For states with no broad-based personal income tax, the state line is zero. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages.

Texas paycheck FAQ

How much federal income tax does someone owe on $85,000 single in 2026?
Federal income tax at $85,000 for a single filer is approximately $9,870, with the top slice of taxable income falling inside the 22% bracket after the standard deduction. The federal load applies the same way in every US state, so the federal line is identical for a Texas, California, or New York resident at this gross salary.
Does Texas tax wage income?
No. Texas is one of nine US states with no broad-based personal income tax on wages. Texas's state income tax line on the engine's pay stub is $0, an effective state rate of 0%. State revenue comes from sales tax, franchise tax on businesses, and property tax instead, none of which touches paycheck withholding directly.
Do any Texas cities or counties tax wages?
Texas cities and counties do not impose a local income tax or payroll tax on employee wages. Local government revenue comes from property tax and local sales tax, neither of which appears on paycheck withholding. The visible payroll lines on a Texas pay stub are federal income tax and FICA alone.
How much does a 401(k) contribution save on taxes at $85,000 in Texas?
At $85,000 single in Texas, the combined marginal rate is 22%, which here is the federal 22% bracket alone since Texas levies no state income tax. Each dollar of traditional 401(k) or HSA contribution reduces federal taxable income at that rate. The 2026 401(k) employee deferral limit and the HSA limit both apply normally.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Texas?
Married filing jointly at $85,000 in Texas takes home about $72,658, roughly $4,030 more than the single-filer estimate. The gap comes from wider federal MFJ brackets and the doubled standard deduction; FICA stays the same since the Social Security wage base sits above this salary, and state tax does not enter the picture in Texas. Head of Household, available to unmarried filers with a qualifying dependent, lands at about $71,550, about $2,922 more than Single, driven entirely by the wider federal HoH brackets and the larger HoH standard deduction. Two MFS returns combined take home around $4,030 less than the MFJ result, since federal MFS thresholds equal MFJ halved.
How much more does a Texas resident take home than a Californian at the same $85,000?
A Texas resident at $85,000 takes home approximately $4,918 more per year than a California resident, since California layers a progressive state income tax plus SDI on top of the same federal and FICA load. The gap widens at higher incomes as California's marginal rate climbs. Florida and Nevada produce the same take-home as Texas at this salary.

Take-home at common salaries for Texas

Dedicated salary-anchor pages with a federal-state-FICA breakdown, vs-baseline callouts, and a calculator pre-set to that salary and Texas.

$50,000 after taxesin Texas$75,000 after taxesin Texas$100,000 after taxesin Texas$150,000 after taxesin Texas$200,000 after taxesin Texas$250,000 after taxesin Texas$60,000 after taxesin Texas$120,000 after taxesin Texas

See also

Open the national paycheck calculatorCompare to the New Mexico paycheck calculatorTexas vs Oklahoma: side-by-side paycheck comparisonArkansas take-home, for comparisonLouisiana take-home, for comparisonTexas vs Florida: side-by-side paycheck comparisonEstimate hourly take-home in TexasTurn an annual Texas offer into an hourly numberTexas self-employed take-home, both FICA halvesPut two states side by sidePaycheck and tax glossaryThe math behind these numbers

Reviewed

How This Page Is Reviewed

The Texas paycheck page is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-06-25