Texas Paycheck Calculator
Calculate your exact net take-home pay in Texas. Accounts for 2026 federal tax brackets, FICA payroll taxes, and specific Texas statutory withholdings.
Paycheck Details
- How is take-home pay calculated in Texas?
- Texas take-home pay equals gross wages minus federal income tax withholding, FICA taxes (6.2% Social Security up to $176,100 and 1.45% Medicare), and Texas state deductions (0.00%).
Net Pay = Gross Wages - Federal Withholding - FICA (7.65%) - Texas State Tax - Local Deductions - Gross Wages = Total earnings before statutory payroll withholdings
- Federal Withholding = Progressive IRS income tax based on Form W-4
- FICA = 6.2% Social Security (capped at $176,100) + 1.45% Medicare
- Texas State Tax = Article VIII, Section 24-a of the Texas Constitution (approved by voters in 2019) strictly bans any individual state income tax.
Texas Statutory Payroll Facts
- Constitutional & Statutory Authority: Article VIII, Section 24-a of the Texas Constitution (approved by voters in 2019) strictly bans any individual state income tax.
- Standard Deduction: Not applicable ($0 state tax)
- Disability & Family Leave: $0 (No state disability tax)
- Local City Taxes: 0% (Texas municipalities are prohibited from levying local earned income taxes)
- Payday Schedule Compliance: Texas Payday Law requires non-exempt employees to be paid at least semi-monthly (twice per month).
Texas vs. Neighboring States ($75,000 Salary)
Comparing annual take-home pay for a single earner making $75,000 in Texas vs. neighboring states:
| State | Est. State Tax | Annual Net Pay | Tax Policy Note |
|---|---|---|---|
| Texas | $0 | $58,606 | 0% constitutional ban |
| Oklahoma | $3,020 | $55,586 | Brackets 0.25% to 4.75% |
| Louisiana | $2,420 | $56,186 | Brackets 1.85% to 4.25% |
| New Mexico | $3,310 | $55,296 | Brackets up to 5.90% |
How Texas Paycheck Taxes Work in 2026
Understanding your Texas paycheck requires analyzing the interplay between federal statutory mandates and Texas state tax laws.
1. Federal Income Tax & FICA Deductions
Regardless of state residency, all wage earners in Texas are subject to federal payroll withholding:
- Federal Income Tax: Computed using IRS Publication 15-T and your Form W-4 elections. The 2026 standard deduction is $15,000 for single filers and $30,000 for married couples filing jointly.
- FICA Taxes: 6.2% Social Security on wages up to $176,100, and 1.45% Medicare on all earnings (plus 0.9% additional Medicare on wages over $200,000).
2. State Tax Structure: Texas
Article VIII, Section 24-a of the Texas Constitution (approved by voters in 2019) strictly bans any individual state income tax.
The state finances public services primarily through a 6.25% state sales tax (up to 8.25% with municipal additions) and local property taxes.
Compare Paycheck Calculations Across Major US States
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Frequently Asked Questions: Texas Paycheck Taxes
Does Texas have an individual state income tax?
No. Article VIII, Section 24-a of the Texas Constitution (approved by voters in 2019) strictly bans any individual state income tax.
What mandatory taxes are deducted from a Texas paycheck?
Every employee in Texas has mandatory federal taxes deducted: Federal Income Tax (based on Form W-4) and FICA payroll taxes (6.2% Social Security up to $176,100 and 1.45% Medicare). State deductions: $0 (No state disability tax) and 0.00% state tax.
Are there local municipal payroll taxes in Texas?
0% (Texas municipalities are prohibited from levying local earned income taxes)
How does Texas fund public infrastructure?
The state finances public services primarily through a 6.25% state sales tax (up to 8.25% with municipal additions) and local property taxes.