StubRate · Take-home calculator · Texas
Take-home pay in Texas
Estimate what a salary in Texas (TX) becomes after federal tax, no state wage income tax, FICA, typical benefits, and optional commute costs.
Texas does not tax wage income, so StubRate’s state line is $0. Federal tax and FICA still apply. That is why the same salary often keeps more here than in California or New York—before you count rent, heat, and a car.
Use this page for Austin tech, DFW corporate, Houston energy and hospitals, San Antonio and border-metro jobs, and remote roles that list Texas as the tax home.
Sample: $85,000 single filer in Texas → about $5,307/mo net (74.9% stub rate) and $5,130/mo after a modest hybrid commute and lunches. Assumptions: 5% 401(k), $140/month health, three office days, 12 miles each way.
Your stub rate
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Enter a salary to see your stub rate
- Monthly take-home
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- Per paycheck
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- True monthly (after job costs)
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- Effective hourly
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Where the money goes
- Federal tax—
- State tax—
- Social Security + Medicare—
- 401(k)—
- Health premiums—
- Commute & work costs—
Income tax in Texas
No state wage income tax is the whole state story in this model. Property tax and sales tax affect households and spending, not this W-2 estimate.
California vs Texas is a common pair: run both take-home pages at the same salary, then compare the actual metros you would live in.
Every U.S. W-2 wage still faces federal income tax and FICA (Social Security plus Medicare). Texas’s difference is the state line.
Sample take-home by salary in Texas
Single filer, biweekly pay, 5% traditional 401(k), $140/month health premium, no commute. Educational estimates only.
| Gross salary | Est. net / month | Est. net / year | Stub rate | State tax / year |
|---|---|---|---|---|
| $50,000 | $3,222 | $38,664 | 77.3% | $0 |
| $75,000 | $4,753 | $57,042 | 76.1% | $0 |
| $100,000 | $6,138 | $73,654 | 73.7% | $0 |
| $125,000 | $7,522 | $90,267 | 72.2% | $0 |
| $150,000 | $8,869 | $106,430 | 71.0% | $0 |
Living and commuting in Texas
Austin, Dallas, Houston, San Antonio, and El Paso do not share a rent or commute. Office parks assume a car; downtown garages are a fee. Summer AC is a utility bill, not a payroll tax.
Miles can be long. A five-day Houston Energy Corridor job from the suburbs is not a 12-mile default. Enter real days and miles.
Common job markets on this page: Houston, San Antonio, Dallas, Austin, Fort Worth. Housing and office days change true stub rate more than a small difference in the state tax shortcut.
Compare two offers if one job is in Texas and the other is elsewhere—or if commute days differ.
Nearby take-home calculators
Same salary, different state tax line. Open a neighbor to compare.
Guides that pair with Texas take-home
Texas take-home questions
Does Texas have state income tax?
No. Texas does not levy a traditional wage income tax. Federal income tax and FICA still apply. StubRate’s state line is $0 for this page.
What is take-home pay on $85,000 in Texas?
Using StubRate’s sample for a single filer with 5% 401(k) and a $140/month health premium, about $5,307/month net before extra job costs, or roughly $5,130/month after a modest hybrid commute (three office days, 12 miles each way, lunches). Your numbers will differ.
How much do I keep on $100,000 in Texas?
Under the tax-only sample (single, 5% 401(k), $140/month health, no commute), about $6,138/month, or 73.7% of gross. Add commute and lunches in the calculator to see true take-home.
Is this Texas calculator official tax software?
No. It is an educational estimate for comparing offers. It does not file a return, model every local tax, or replace a payroll sample or a tax professional.