No State Income Tax · 2026 Federal Brackets
Texas Salary Calculator 2026
Calculate your exact take-home pay in Texas. Enter your salary below to see a full breakdown of federal income tax, Social Security, Medicare, and your net pay — updated for the 2026 tax year.
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⭐ Texas has zero state income tax
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- Federal income tax (2026 brackets)
- Social Security & Medicare
- Pre-tax 401(k) & health insurance
- Texas state income tax: $0.00
Texas Income Tax: What You Need to Know in 2026
Texas stands out as one of only nine US states with no state income tax. Texas has never imposed a personal income tax, making it a lasting advantage for every worker in the Lone Star State — from entry-level jobs to executive roles.
This means Texas residents only pay federal taxes: income tax (based on 2026 brackets), Social Security at 6.2% (up to the $184,500 wage base), and Medicare at 1.45%. Compared to California (up to 13.3% state tax) or New York (up to 10.9%), a Texas worker earning $100,000 keeps an extra $5,000–$10,000 per year.
2026 Federal Tax Brackets — Single Filer
Taxable Income Rate Tax on This Bracket
$0 – $12,400 10% Up to $1,240.00
$12,400 – $50,400 12% Up to $4,560.00
$50,400 – $105,700 22% Up to $12,166.00
$105,700 – $201,775 24% Up to $23,058.00
$201,775 – $256,225 32% Up to $17,424.00
$256,225 – $640,600 35% Up to $134,531.25
Over $640,600 37% 37% on excess
Standard deduction (2026): $16,100 single · $32,200 married filing jointly · $24,150 head of household. Taxable income = gross salary − standard deduction − pre-tax deductions.
FICA Taxes in Texas (Social Security & Medicare)
- Social Security: 6.2% on wages up to $184,500 (2026 wage base). Maximum SS tax = $11,439/year. Pre-tax health insurance reduces this; 401(k) does not.
- Medicare: 1.45% on all wages with no cap. An additional 0.9% surcharge applies on wages above $200,000 (single) or $250,000 (married filing jointly).
Texas Salary Calculator by City
Select your city for local salary data and a city-specific take-home pay breakdown. 37 Texas cities covered.
Houston $65K avg San Antonio $53K avg Dallas $70K avg Austin $82K avg Fort Worth $59K avg El Paso $46K avg Arlington $58K avg Corpus Christi $51K avg Plano $80K avg Lubbock $49K avg Laredo $43K avg Irving $74K avg Garland $56K avg Frisco $85K avg McKinney $73K avg Amarillo $51K avg Grand Prairie $57K avg Brownsville $41K avg Pasadena $54K avg Killeen $49K avg Mesquite $53K avg McAllen $43K avg Midland $74K avg Waco $49K avg Carrollton $67K avg Denton $56K avg Abilene $48K avg Beaumont $55K avg Round Rock $72K avg Odessa $70K avg Richardson $78K avg Pearland $69K avg College Station $53K avg Lewisville $64K avg Tyler $53K avg League City $77K avg Wichita Falls $47K avg
Texas Salary & Tax FAQ
Does Texas have a state income tax in 2026?
No. Texas is one of only nine US states with no state income tax — and Texas has never had one since statehood. Workers in Texas — whether in Houston, Dallas, Austin, or any of the 37 cities covered here — only pay federal income tax, Social Security (6.2%), and Medicare (1.45%) on their wages. There is no Texas state withholding on your paycheck.
What are the 2026 federal income tax brackets?
For single filers, the 2026 federal marginal tax rates are: 10% on taxable income up to $12,400; 12% from $12,400–$50,400; 22% from $50,400–$105,700; 24% from $105,700–$201,775; 32% from $201,775–$256,225; 35% from $256,225–$640,600; and 37% above $640,600. For married filing jointly, the first bracket is $24,800 (10%), then $100,800 (12%), etc. These are marginal rates — each rate applies only to income within that bracket, not your entire salary.
How is Social Security tax calculated in Texas?
Social Security is 6.2% on wages up to the annual wage base ($184,500 in 2026). Once your wages exceed this cap, no additional Social Security tax is withheld for the rest of the year. The maximum SS tax for 2026 is approximately $11,439. Pre-tax employer health insurance premiums reduce your Social Security-taxable wages; traditional 401(k) contributions do not.
What is the standard deduction in 2026?
The 2026 federal standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. This amount is subtracted from your gross income before the tax brackets are applied. The majority of Texas workers use the standard deduction rather than itemizing. Our calculator applies the standard deduction automatically based on your filing status.
How do pre-tax 401(k) contributions affect my Texas paycheck?
Traditional 401(k) contributions are deducted from gross pay before federal income tax is calculated, reducing your taxable income dollar-for-dollar. For example, a $6,000 annual contribution in the 22% bracket saves $1,320 in federal income tax per year. Important: 401(k) contributions do NOT reduce Social Security or Medicare taxes (those are calculated on gross wages before the 401k deduction). The 2026 employee contribution limit is $23,500 ($31,000 if age 50 or older).
Which Texas cities have the highest average salaries?
The highest-paying Texas cities are Frisco ($85K avg), Austin ($82K avg), Plano ($80K avg), Richardson ($78K avg), and League City ($77K avg). Energy hubs like Midland and Odessa reach $70–74K average salaries during strong oil markets. Use the city links below to see exact take-home estimates for any of the 37 Texas cities covered.
Can self-employed or 1099 workers use this Texas salary calculator?
This calculator is designed for W-2 (employee) wages. Freelancers, independent contractors, and 1099 workers have a key difference: you pay both the employee and employer portions of FICA (15.3% self-employment tax total) instead of 6.2% + 1.45%. For 1099 income, multiply your net self-employment income by 92.35% before calculating the SE tax and federal income tax. The SE tax is then deductible as a business expense. Consult a CPA for freelance tax planning specific to your situation.