Texas Paycheck Calculator 2026
Texas takes no state income tax and has no state disability or paid leave premium, so a Texas paycheck carries only federal income tax, Social Security and Medicare. Texas unemployment tax is paid by the employer.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
Texas paycheck rules for 2026
| State income tax, 2026 | No state income tax on wages |
|---|---|
| Deductions before tax | Not applicable |
| Withholding certificate | None (no state income tax) |
| Bonus (supplemental) withholding | None: no state tax is withheld from bonuses |
| Mandatory payroll premiums | None for employees |
| Local income taxes | None |
| Reciprocity agreements | None |
| Sales tax (for context) | 6.25% state, 8.20% average combined with local (rank 14 of 51) |
Worked example: $60,000 in Texas
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Texas income tax | $0.00 |
| Take-home pay | $1,938.08 |
Texas take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To Texas |
|---|---|---|---|
| $40,000 | $1,320.00 | $34,320 | $0 |
| $60,000 | $1,938.08 | $50,390 | $0 |
| $100,000 | $3,045.38 | $79,180 | $0 |
| $150,000 | $4,376.58 | $113,791 | $0 |
Living and working in Texas
Texas voters raised the school district homestead exemption to $140,000 in November 2025, and to $200,000 for homeowners 65 and over or disabled. Property tax is still the main cost of living in Texas, set by overlapping school, county and city rates.
Texas's state sales tax is 6.25%; with local add-ons the average combined rate is 8.20%, ranked 14 of 51 as of July 2026.
Texas has no income tax and constitutionally prohibits one. Property tax is the offset, at an effective rate around 1.6%, among the highest in the country.
Texas paycheck questions
How much is take-home pay on $60,000 in Texas?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,938.08 a paycheck in Texas ($50,390 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare.
Does Texas withhold state income tax from paychecks?
No. Texas has no income tax on wages, so there is no state withholding certificate to fill in and no state income tax line on your pay stub. Texas takes no state income tax and has no state disability or paid leave premium, so a Texas paycheck carries only federal income tax, Social Security and Medicare. Texas unemployment tax is paid by the employer.
If Texas has no income tax, what does it tax instead?
Texas has among the highest effective property tax rates in the country. On a $400,000 house that is roughly $6,500 a year, more than the state income tax would be in many states that levy one. The state sales tax rate is 6.25%, and with local add-ons the average combined rate is 8.20%, ranked 14 of 51 (Tax Foundation, July 2026). A bigger paycheck can be partly offset by what you pay at the register and in property tax.
What else does Texas take out of a paycheck?
Apart from income tax, Texas requires no other employee payroll deduction, so the remaining lines on your stub are federal income tax, Social Security, Medicare and any benefits you chose.
How are bonuses withheld in Texas?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Texas: None: no state tax is withheld from bonuses.