Texas has no state income tax on wages, so a Texas paycheck only loses federal income tax and FICA (Social Security and Medicare). Use the calculators below to see your exact 2026 take-home pay in Texas, check the sales tax on a purchase, and estimate a mortgage payment with Texas property taxes factored in.
State Paycheck Calculator 2026
Estimate take-home pay after federal tax, FICA and your state’s income tax for the 2026 tax year.
How it works: the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly) comes off your salary first, then the 2026 federal brackets (10%–37%). FICA is applied properly: 6.2% Social Security on the first $184,500 of wages (2026 wage base), 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above $200,000 single / $250,000 married filing jointly. State tax applies each state’s own standard deduction/exemptions, then its brackets or flat rate. Local income taxes are not included — many cities and counties (e.g. New York City, Philadelphia, most of Ohio, Maryland counties, Indiana counties, Kentucky) levy their own payroll taxes on top of the state tax.
Texas sales tax calculator
The statewide base sales tax rate in Texas is 6.25% in 2026. Cities and counties can add their own local tax on top of the base rate — enter any local add-on below to see the full tax and total price.
Sales Tax Calculator 2026
Estimate the sales tax and total price using each state’s base rate (2026), plus any local add-on.
State base rates are the 2026 state-level rates (local add-ons excluded). Actual combined rates vary widely by city and county — many localities add 1–5%. Five states have no statewide sales tax (Alaska, Delaware, Montana, New Hampshire, Oregon), though some localities still levy local taxes.
Mortgage calculator for Texas homes
The average effective property tax rate in Texas is about 1.49% of a home’s value per year. When you use the mortgage calculator below, enter roughly that percentage of the home price in the yearly property tax field for a realistic Texas monthly payment.
Mortgage Payment Calculator
Work out your monthly principal & interest payment, total interest and the true total cost of your loan.
How it works: your loan amount (price minus down payment) is repaid in equal monthly instalments using the standard amortisation formula, so early payments are mostly interest and later ones mostly principal. Property tax and insurance, if entered, are simply spread evenly across each month. Your actual rate and payment will depend on your lender, credit profile and the deal you choose.
A $75,000 salary in Texas keeps every dollar that the same salary in New York hands over in state tax — all $3,453 of them. Texas has no state income tax, and it can’t quietly invent one: the state constitution prohibits it. What Texas does instead is charge some of the highest property taxes in the country at 1.49% on average. So the Texas question is never “what’s the tax?” — it’s “do you rent, or do you own?” The answer decides whether Texas is a tax haven or just a tax relocation.
Income tax in Texas in 2026
None. Texas levies no tax on wages, salaries, or any other personal income, and the prohibition sits in the state constitution, which means it can’t be undone by a bad budget year in Austin. There’s no state return to file for your salary and no state withholding on your payslip.
Your paycheck is reduced by exactly two things: federal income tax and FICA. That’s it. For a worker relocating from a high-tax state, the raise is immediate and shows up in the first check — no forms, no phase-in, no fine print.
The state’s money comes from sales and property taxes instead, and Texas leans on both without apology. Whether the swap favors you depends on your spending and, above all, on whether a mortgage payment — with Texas-sized property taxes folded in — is part of your monthly life.
Worked example: $75,000 salary, single filer
Step 1 — Federal tax. $75,000 − $16,100 standard deduction = $58,900 taxable, which works out to $7,670.00 in 2026.
Step 2 — FICA. Social Security ($4,650.00) plus Medicare ($1,087.50) = $5,737.50.
Step 3 — Texas tax. $0.00. Constitutionally, blissfully zero.
Step 4 — Take-home pay. $75,000 − $7,670.00 − $5,737.50 = $61,592.50 a year, about $2,368.94 bi-weekly. Against the New York example — $58,139.50 of take-home on identical pay — the Texas worker is $3,453 a year ahead before either of them pays for housing. Keep that “before housing” in mind. It’s where Texas comes to collect.
Sales tax in Texas
The state rate is 6.25%, and local jurisdictions — cities, counties, transit authorities — can add up to 2.00% more, for a hard cap of 8.25% combined. Most metro areas sit at or near that cap, so a $1,000 purchase in Dallas, Houston, Austin, or San Antonio typically carries $82.50 of tax.
The calculator on this page starts from the 6.25% state base. Add 2% if you’re shopping anywhere urban and you’ll be close. Texas also runs an annual sales tax holiday on clothing and school supplies each August — a small, beloved ritual that tells you how seriously Texans take the tax they do pay.
Property tax in Texas
Here’s the invoice. Texas’s average effective property tax rate is 1.49% — a $300,000 home costs about $4,470 a year, paid in most cases through your mortgage escrow, which is why Texas house payments surprise newcomers who budgeted off the loan alone.
Two shock absorbers exist. The homestead exemption knocks a chunk of your home’s value off the school-tax portion of the bill if it’s your primary residence — in recent years, a large chunk. And there are no limits on how fast values can be reassessed upward, but homeowners can protest their appraisal annually, and many do, successfully. Still, do the honest math: a Texas homeowner on $75,000 can hand back most of that $3,453 income-tax saving through property tax. A Texas renter keeps nearly all of it. Same state, two tax systems, and your lease decides which one you’re in.
Frequently asked questions
Could Texas ever introduce an income tax?
Not without amending the state constitution, which requires a two-thirds vote in the legislature plus a statewide referendum — and voters would have a say in how the revenue is used. It’s about as close to politically impossible as tax policy gets.
Do I file a Texas tax return for my salary?
No. There’s no personal income tax return in Texas. You file only your federal return.
Why is my Texas mortgage payment higher than the loan calculator said?
Because the lender is escrowing property tax and insurance on top of principal and interest. At a 1.49% average effective rate, property tax alone adds roughly $370 a month on a $300,000 home. Use the mortgage calculator on this page with the tax folded in — that’s the payment you’ll actually make.
Is Texas or Florida better for taxes?
Both charge zero income tax. Florida’s average property tax (0.76%) is about half of Texas’s, while Texas has no Florida-style hurricane insurance costs. The states tie on the paycheck and split on everything else.
Run your own salary through the Texas paycheck calculator above — then, homeowner or future homeowner, run the mortgage calculator with a 1.49% property tax before you decide what Texas really costs you.
These calculators are for guidance only and aren’t financial advice.