Texas Take-Home Pay Calculator 2026
Quick Answer: In 2026, Texas has no state income tax. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $61,593, while married joint filers take home about $64,623. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Texas?
Texas levies no state income tax on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 82.1% of their gross paycheck, leaving $61,593 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Texas Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Texas has no state income tax on personal wages. State paycheck withholding is zero, though sales and property taxes are still levied by the state.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Do You Keep: Paycheck Breakdown in Texas?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $0 | $3,825 | $42,355 | 15.3% |
| $75,000 | $7,670 | $0 | $5,738 | $61,593 | 17.9% |
| $100,000 | $13,170 | $0 | $7,650 | $79,180 | 20.8% |
| $150,000 | $24,734 | $0 | $11,475 | $113,791 | 24.1% |
- Federal tax$13,17013%
- FICA$7,6508%
- Take-home$79,18079%
- Gross$100,000
What Texas-specific taxes affect your take-home pay?
Texas levies no state income tax and no local or city wage tax. Houston, Dallas, Austin, San Antonio and Fort Worth all impose zero municipal income tax, so wherever you work in the state, your only mandatory withholdings are federal income tax and FICA (Social Security 6.2% and Medicare 1.45%, plus the 0.9% Additional Medicare surtax above the high-income thresholds).
Is there a Texas withholding form?
Because there is no state income tax, Texas has no state withholding certificate. Only the federal Form W-4 governs how much is taken from your paycheck. There is also no state-mandated paid-family-leave or disability deduction in Texas, so nothing for those programs is subtracted from your pay.
Does unemployment tax come out of my paycheck?
No. Texas unemployment tax (SUI/SUTA) is paid entirely by the employer, not deducted from employees. It applies to the first $9,000 of each worker's wages, with a new-employer (entry-level) rate of 2.70% for 2026 and experienced employer rates ranging from 0.32% to 6.32%, administered by the Texas Workforce Commission. It never reduces your net pay.
Other context for Texas workers
Texas adopts the federal minimum wage of $7.25 per hour and follows the FLSA time-and-a-half overtime rule. The state trades its lack of income tax for relatively high property and sales taxes, which matters when comparing real cost of living against income-tax states.
How Do You Calculate Your Texas Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Texas.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Texas?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Texas Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: