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Texas Income Tax 2026 — No State Income Tax
Texas has no state income tax — $0 state tax regardless of income. Use the federal calculator below to estimate your federal tax, then see the combined take-home comparison.
Reviewed for accuracy June 2026 by Gary S.
State tax type
No state tax
State tax at $75k
$0
Federal tax at $75k
$8,114
Combined eff. rate $75k
10.8%
10.2% effective rate — tax-efficient income level
Your 10.2% effective federal tax rate keeps you below the 18% threshold — a tax-efficient income level. After taxes you retain $67,330 (89.8%) of your $75,000 gross income.
- ›Standard deduction: $16,100 — you'd need more than $16,100 in itemized deductions to benefit from itemizing
- ›Marginal rate: 22% — each $1,000 added to a 401k or HSA saves $220 in federal tax
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Texas income tax at common income levels — 2025
Single filer, 2025 federal standard deduction ($15,000). Federal tax uses 2025 IRS brackets.
| Income | Texas state tax | State eff. rate | Federal tax | Total tax | Total eff. rate |
|---|---|---|---|---|---|
| $50,000 | $0 | 0.0% | $3,962 | $3,962 | 7.9% |
| $75,000 | $0 | 0.0% | $8,114 | $8,114 | 10.8% |
| $100,000 | $0 | 0.0% | $13,614 | $13,614 | 13.6% |
Single filer. Federal tax computed on gross income minus $15,000 standard deduction using 2025 IRS brackets. State tax estimates are approximate — consult a tax professional for exact liability. Does not include FICA (Social Security + Medicare), local taxes, or deductions beyond the standard deduction.
What is the Texas state income tax rate?
Texas: No state income tax
Texas has no state income tax. Texas funds state services through sales and property taxes — property taxes are among the highest nationally (≈1.6% effective rate), which is the main financial trade-off for no-income-tax residents.
Texas property taxes average ~1.6% effective rate — among the highest in the US. Factor this into total-cost-of-living comparisons versus income-tax states.
The 9 states with no income tax
How to reduce your Texas income tax bill
Texas residents have no state income tax to reduce — your tax planning focus is entirely on federal strategies. The most powerful levers for federal income tax reduction are pre-tax retirement contributions, health savings accounts, and taking the larger of the standard deduction ($15,000 for single filers in 2025) or itemised deductions.
Max your 401k or 403b ($24,500 in 2026)
Traditional 401k contributions reduce your federal taxable income dollar-for-dollar. At the 22% federal bracket, each $1,000 contributed saves $220 in current-year taxes. If your employer matches, prioritise contributing at least enough to capture the full match before any other savings goal.
Contribute to an HSA ($4,400 self-only in 2026)
HSA contributions are the only triple-tax-advantaged account in the US code: pre-tax in, tax-free growth, tax-free qualified withdrawals. Available to those enrolled in an eligible high-deductible health plan (HDHP). HSA balances roll over with no use-it-or-lose-it rule and can be invested in index funds for long-term tax-free growth.
Take the federal standard deduction
The 2025 federal standard deduction is $15,000 for single filers and $30,000 for married filing jointly. Most taxpayers (about 90%) are better off taking the standard deduction rather than itemising. Compare your deductible expenses (mortgage interest, state taxes, charitable gifts) to these thresholds before deciding.
Harvest tax losses in taxable investment accounts
Tax-loss harvesting — selling investments that are down to realise a capital loss — can offset capital gains and up to $3,000/year of ordinary income. The wash-sale rule prohibits repurchasing the same or substantially identical security within 30 days, but you can immediately buy a similar (not identical) fund to maintain market exposure while locking in the loss.
Filing your Texas income tax return: key facts
Federal and state income tax returns are due on April 15 each year (or the next business day if April 15 falls on a weekend or holiday). An automatic six-month extension can be filed by April 15 — but the extension delays the filing deadline, not the payment deadline. If you expect to owe tax, you must pay an estimate by April 15 to avoid underpayment penalties even if you file later.
Because Texas has no state income tax, there is no Texas state return to file. You only need to file a federal return (Form 1040) and, if applicable, returns for any other states where you earned income during the year.
Self-employed workers and independent contractors in Texas who expect to owe $1,000 or more in federal tax must make quarterly estimated tax payments (due April 15, June 15, September 15, and January 15). Missing these payments triggers an underpayment penalty calculated at the federal short-term rate plus 3%. Use Form 1040-ES to calculate and submit quarterly payments.
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Texas income tax — frequently asked questions
What is the Texas state income tax rate for 2026?
Texas has no state income tax — the rate is 0%.
Does Texas have a state income tax?
No — Texas has no state income tax. Your state income tax liability in Texas is $0 regardless of income.
How much Texas state income tax do I owe on $75,000?
$0 — Texas has no state income tax. Your total income tax on $75,000 is the federal tax only: approximately $8,114 (single filer, 2025 standard deduction).
What is the combined federal and Texas state income tax at $100,000?
At $100,000 gross income (single filer, 2025 standard deductions): federal income tax is approximately $13,614, Texas state income tax is $0, for a combined total of approximately $13,614 — an overall effective rate of 13.6%.
How does Texas's income tax compare to other states?
Texas is one of nine states with no state income tax, alongside Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Washington, and Wyoming. This provides a meaningful take-home pay advantage over most other states.