Texas income tax, 2026
What a salary actually costs in Texas, 7th lowest of 51 at $100,000, and a line-by-line account of where that money is spent.
Take-home
$79,180
on $100,000 in Texas
Total tax
$20,820
7th lowest of 51
Effective rate
20.82%
of gross income
Marginal rate
22.00%
on your next dollar
On a $100,000 salary in Texas, you keep $79,180 after income tax and payroll contributions. That is an effective rate of 20.82%. Every extra dollar you earn is taxed at 22.00%.
Texas levies no individual income tax on wages, so everything above is federal. That does not make it the cheapest place to live overall, because states without an income tax raise revenue through sales, property and excise taxes instead, none of which appear on a payslip.
Among the 51 US states and DC, Texas ranks 7th lowest at this income. The same salary would cost $20,820 in Alaska and $28,810 in New York, a spread of $7,990 a year.
Your $20,820 funds benefits & pensions more than anything else ($6,041), followed by health ($5,299) and debt interest ($3,335).
What you pay
Every charge, at every level of government.
| Charge | Level | Rate | Amount |
|---|---|---|---|
| Social Securityfederal · 6.20% | federal | $6,200.00 | |
| Medicarefederal · 1.45% | federal | $1,450.00 | |
| Federal income taxfederal · 22.00% | federal | $13,170.00 | |
| Texas income taxstate · 0.00% | state | $0.00 | |
| Total tax | $20,820.00 |
Where your tax goes
Your $20,820 apportioned across what these governments actually budget to spend.
| Programme | Level | Your share | % |
|---|---|---|---|
| Medicare and Medicaidfederal · 24.13%Health coverage for people over 65 and for people on low incomes. Together they are the largest single thing the federal government buys. | federal | $5,024.65 | |
| Social Security retirement and survivorsfederal · 19.29%Monthly benefits to retired workers, their spouses and survivors. Funded by the payroll tax you pay separately. | federal | $4,015.66 | |
| Interest on the national debtfederal · 16.02%Interest on accumulated federal borrowing. It buys nothing, being the price of past deficits, and it is now the single largest line in the federal budget. | federal | $3,334.99 | |
| Department of Veterans Affairsfederal · 5.12%Veterans' health care, disability compensation and pensions. | federal | $1,066.95 | |
| Military operations and maintenancefederal · 4.66%Running the armed forces day to day: training, fuel, maintenance, bases. | federal | $970.09 | |
| IRS and refundable tax creditsfederal · 3.83%Collecting tax, and paying out refundable credits such as the Earned Income Tax Credit and the refundable part of the Child Tax Credit. | federal | $798.36 | |
| Department of Agriculturefederal · 3.09%SNAP food assistance, school meals, farm support and the Forest Service. | federal | $644.35 | |
| Military personnelfederal · 2.81%Pay and allowances for service members. | federal | $585.06 | |
| Weapons and equipment procurementfederal · 2.20%Buying aircraft, ships, vehicles and munitions. | federal | $458.98 | |
| Social Security disability insurancefederal · 2.17%Benefits for workers who can no longer work because of disability. | federal | $452.78 | |
| Defence research and developmentfederal · 1.92%Developing and testing new military technology. | federal | $400.62 | |
| Office of Personnel Managementfederal · 1.75%Federal civilian employee retirement and health benefits. | federal | $363.32 | |
| Department of Transportationfederal · 1.74%Highways, transit, aviation and rail. | federal | $361.46 | |
| Department of Homeland Securityfederal · 1.57%Border and immigration enforcement, FEMA, the Coast Guard and the TSA. | federal | $326.68 | |
| Other Defense Civil Programsfederal · 1.04%Military retirement and related trust funds. | federal | $216.70 | |
| Supplemental Security Incomefederal · 0.94%Payments to people over 65 or with disabilities who have very little income. | federal | $196.43 | |
| Department of Energyfederal · 0.71%The nuclear weapons complex, national laboratories and energy research. | federal | $148.15 | |
| Department of Housing and Urban Developmentfederal · 0.69%Rental assistance, public housing and community development. | federal | $143.17 | |
| Department of Laborfederal · 0.69%Unemployment insurance, worker protection and job training. | federal | $142.74 | |
| National Institutes of Healthfederal · 0.64%Medical and biomedical research. | federal | $133.98 | |
| Department of Justicefederal · 0.61%The FBI, DEA, federal prisons and US attorneys. | federal | $127.34 | |
| Environmental Protection Agencyfederal · 0.50%Clean air and water enforcement, and Superfund cleanups. | federal | $104.76 | |
| Department of Educationfederal · 0.47%Student aid, and funding for schools serving low-income students. | federal | $98.36 | |
| Department of Commercefederal · 0.40%The Census, NOAA, the Patent Office and economic development. | federal | $84.18 | |
| Department of Statefederal · 0.39%Embassies, diplomacy and foreign assistance. | federal | $80.36 | |
| National Aeronautics and Space Administrationfederal · 0.33%Space exploration and science. | federal | $69.63 | |
| Department of the Interiorfederal · 0.30%National parks, public lands and tribal programmes. | federal | $63.47 | |
| International Assistance Programsfederal · 0.24%Foreign aid, development finance and the Peace Corps. | federal | $49.00 | |
| Military construction and housingfederal · 0.22%Building and maintaining bases and family housing. | federal | $45.61 | |
| Health Resources and Services Administrationfederal · 0.21%Community health centres, rural health and the organ transplant system. | federal | $42.77 | |
| Corps of Engineersfederal · 0.16%Flood control, waterways and harbours. | federal | $34.35 | |
| Centers for Disease Controlfederal · 0.16%Disease surveillance, outbreak response and immunisation. | federal | $32.29 | |
| HHS departmental managementfederal · 0.15%Running the department. | federal | $30.59 | |
| National Science Foundationfederal · 0.14%Basic scientific research grants. | federal | $28.19 | |
| Judicial Branchfederal · 0.13%The federal courts. | federal | $27.65 | |
| Indian Health Servicefederal · 0.11%Health care for American Indian and Alaska Native people. | federal | $23.51 | |
| Substance abuse and mental healthfederal · 0.11%Addiction treatment and community mental health services. | federal | $23.51 | |
| Legislative Branchfederal · 0.10%Congress, the GAO and the Library of Congress. | federal | $20.49 | |
| Independent Agenciesfederal · 0.09%Smaller independent federal agencies. | federal | $19.23 | |
| Food and Drug Administrationfederal · 0.04%Drug, device and food safety regulation. | federal | $9.35 | |
| Other HHS programmesfederal · 0.04%Remaining public health and human services programmes. | federal | $9.35 | |
| Administration for Community Livingfederal · 0.04%Services for older adults and people with disabilities. | federal | $8.50 | |
| Small Business Administrationfederal · 0.01%Small business lending and disaster loans. | federal | $2.37 | |
| Hospitalsstate · 0.00% | state | $0.00 | |
| Public health servicesstate · 0.00% | state | $0.00 | |
| Other and unallocatedstate · 0.00% | state | $0.00 | |
| Financial administrationstate · 0.00% | state | $0.00 | |
| Government buildingsstate · 0.00% | state | $0.00 | |
| Central staff servicesstate · 0.00% | state | $0.00 | |
| Public welfare and social servicesstate · 0.00% | state | $0.00 | |
| Veterans servicesstate · 0.00% | state | $0.00 | |
| Highways and roadsstate · 0.00% | state | $0.00 | |
| Housing and community developmentstate · 0.00% | state | $0.00 | |
| Toll highwaysstate · 0.00% | state | $0.00 | |
| Airportsstate · 0.00% | state | $0.00 | |
| Prisons and correctionsstate · 0.00% | state | $0.00 | |
| State policestate · 0.00% | state | $0.00 | |
| Courts and legal servicesstate · 0.00% | state | $0.00 | |
| Inspection and regulationstate · 0.00% | state | $0.00 | |
| Parks and recreationstate · 0.00% | state | $0.00 | |
| Solid waste managementstate · 0.00% | state | $0.00 | |
| Seweragestate · 0.00% | state | $0.00 | |
| Natural resources and conservationstate · 0.00% | state | $0.00 | |
| K-12 educationstate · 0.00% | state | $0.00 | |
| Colleges and universitiesstate · 0.00% | state | $0.00 | |
| University auxiliary servicesstate · 0.00% | state | $0.00 | |
| Librariesstate · 0.00% | state | $0.00 |
United States federal government FY2025: US Treasury, Monthly Treasury Statement Table 5, net outlays by agency for the fiscal year ended 2025-09-30, with the four largest agencies split into their published components.
TX 2023: US Census Bureau, Annual Survey of State Government Finances, table GS00SG01.
- •Allocation is proportional to published spending, not a trace of your actual dollars. No specific payment funds a specific programme.
- •Governments run deficits, so total spending exceeds total tax revenue. These shares show the composition of spending, not a balanced ledger.
What to check before trusting this
- •Texas levies no individual income tax on wages.
- •State figures are for tax year 2025 and every one has been cross-checked against the state's own published schedule or its enacting legislation (audited 2026-09-08). Confirm against the state revenue department before filing.
$100,000 in every state
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