How is income tax calculated in Texas?

Federal tax uses the same brackets in every state; Texas applies its own state tax on top, using its own brackets (or a flat rate, or no state income tax at all). This calculator adds FICA payroll taxes — Social Security and Medicare — to estimate your real take-home pay.

Does this account for deductions and credits?

This is an estimate using standard brackets and the standard deduction — it doesn't model itemized deductions, additional credits, or adjustments specific to your situation.

How often do these rates change?

Tax brackets are typically indexed to inflation each January. We update this calculator annually with newly published rates.

Does Texas's tax rate apply to all my income, or just income earned there?

For most employees, Texas's state tax applies to income earned while resident and working there. If you moved partway through the year, or you live in one state and work in another, part-year rules and reciprocity agreements mean your actual return may differ from this single-state estimate.

Why does my take-home pay differ from what my employer withholds?

Payroll withholding uses simplified per-paycheck formulas driven by your Form W-4, and may not match your exact annual tax liability. This calculator estimates your full-year tax based on annual income; use it alongside your pay stubs rather than as a replacement for them.

Texas Income Tax Calculator 2026

Texas income tax brackets

Texas does not levy a state income tax on employment income, so your take-home pay reflects only federal income tax and FICA payroll deductions.

Worked example

On a US$75,000 salary in Texas, estimated take-home pay is US$61,593 after US$7,670 in income tax (federal plus Texas) — an average tax rate of 10.2% and a marginal rate of 22%.

How Texas compares to other states

Federal tax is identical in all fifty states; what changes at the state line is everything else. Texas taxes its top bracket at 0%, so these are the states closest to it — geographically first, then by how hard they tax a high income.

Percentages are each state’s top marginal rate on wage income, before federal tax. · See all 51 regions

This calculator uses Texas's current tax brackets alongside federal rates to estimate your real take-home pay.
It's an estimate using standard brackets and deductions — not a substitute for a tax return or professional advice.
FICA payroll taxes (Social Security and Medicare) are included, not just income tax.
Hunch connects your paycheck and shows exactly where your money goes every month.

How the Texas income tax calculator works

Enter your gross income. The calculator applies federal tax brackets plus Texas's own state brackets — a flat rate, or none at all, in the states that work that way — to find your income tax, then subtracts Social Security and Medicare to estimate your net take-home pay, shown as an annual total and a per-paycheck breakdown.

How Texas taxes compare

Texas is one of 9 US jurisdictions with no state income tax on wages — the others are Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Washington, Wyoming. At the same salary and filing status, take-home pay in all of them is identical, because it is set entirely by the federal brackets and FICA. Comparing these states meaningfully therefore means comparing what they charge instead: sales tax, property tax, and any local or city taxes, none of which this calculator models.

The math: federal plus state brackets

Income tax is calculated using marginal tax brackets — each portion of income is taxed at its own bracket's rate, not the top rate applied to the whole amount. Federal tax and Texas's state tax are calculated separately using their own bracket tables, then added together. FICA — 6.2% Social Security up to the annual wage base, plus 1.45% Medicare on every dollar — is calculated on top of income tax to find your take-home pay.

Worked example

On US$75,000 of employment income in Texas, this calculator estimates US$7,670 of combined federal and state income tax — an average rate of 10.2% and a marginal rate of 22% — leaving US$61,593 before FICA comes off. Change the salary above and every figure recalculates against Texas's own 2026 brackets.

Key terms

Marginal tax bracket: The tax rate applied to your next dollar of income — only the portion of income within a given bracket is taxed at that bracket's rate.
Take-home pay: Gross income minus all income tax and payroll deductions — the actual amount that lands in your bank account.
Payroll deductions: Mandatory withholdings beyond income tax: FICA — 6.2% Social Security up to the annual wage base, and 1.45% Medicare on all wages.
Standard deduction: A flat amount subtracted from taxable income before tax brackets are applied, used by this calculator in place of itemized deductions.