Texas State Income Tax — 2026 Overview
Texas is one of nine states with no state income tax. Residents keep more of every paycheck compared to high-tax states — only federal income tax and FICA (Social Security and Medicare) apply at the state level. This makes Texas one of the most tax-friendly states for workers.
Federal Taxes in Texas
Regardless of which state you live in, all employees pay the same federal income tax rates. For 2026, the federal brackets range from 10% on the first $11,600 of taxable income up to 37% on income above $609,350 (single filers). Your taxable income is reduced by the standard deduction ($14,600 for single, $29,200 for married filing jointly) and pre-tax contributions like 401(k) and health insurance.
FICA Taxes — Social Security & Medicare
Every worker in Texas pays 6.2% in Social Security tax on wages up to $168,600, and 1.45% in Medicare tax on all wages. High earners pay an additional 0.9% Medicare surtax on wages above $200,000 (single) or $250,000 (married filing jointly). FICA taxes are the same in every state.
How to Increase Your Take-Home Pay in Texas
The most effective ways to reduce your tax withholding and increase net pay are: maximizing traditional 401(k) contributions (reduces federal and most state taxable income), contributing to an HSA if you have a high-deductible health plan, and ensuring your W-4 accurately reflects your filing status and any additional allowances. Pre-tax benefits like commuter benefits or FSA contributions also lower your taxable wages.
Frequently Asked Questions — Texas
Does Texas have a state income tax?
No. Texas has no state income tax. Your paycheck is only subject to federal income tax and FICA withholding.
How is Texas state income tax calculated?
Texas is one of nine states with no state income tax. Residents keep more of every paycheck compared to high-tax states — only federal income tax and FICA (Social Security and Medicare) apply at the state level. This makes Texas one of the most tax-friendly states for workers.
What percentage of my paycheck goes to taxes in Texas?
The total percentage depends on your salary, filing status, and deductions. For a single filer earning $75,000 in Texas, you can expect roughly 20–28% of gross pay to go toward federal tax, state tax, and FICA combined. Use the calculator above to get your exact number.
How do pre-tax deductions affect my Texas paycheck?
Pre-tax deductions, such as contributions to a traditional 401(k) or health insurance premiums, are subtracted from your gross pay before taxes are calculated. This lowers your taxable income, which reduces both the federal and Texas state taxes you owe.
What is the difference between gross pay and net pay for Texas workers?
Gross pay is the total amount you earn before any deductions. Net pay is your actual "take-home pay" — the amount deposited into your bank account after federal taxes, Texas state taxes, FICA (Social Security and Medicare), and any other payroll deductions are removed.
How often is this calculator updated?
The calculator uses 2024 federal tax brackets and the latest available Texas state tax rates. We update data annually when the IRS and state revenue departments publish new rates.
Is this calculator accurate for Texas?
This calculator provides a reliable estimate of your take-home pay. It may not account for local city taxes (applicable in some states), additional state-specific credits, or unusual deduction situations. For payroll tax filing, consult a tax professional.