Kept

Texas

Austin cost of living

No state income tax. Rents fell from the 2022 peak but remain above most Texas metros. A comfortable single-earner budget here is about $101,000. $100,000 take-home is $79,180 (79.2% kept).

2026 paycheck inputs

Match the frequency below. Hourly is hours per week × 52. Dollar signs and commas are fine.

Take-home

$79,180

$6,598 a month · 79.2% of gross after tax

Monthly
$6,598
Biweekly
$3,045
Weekly
$1,523
Hourly take-home
$38.07
Effective tax rate
20.8%
Federal marginal
22.0%
Federal income tax$13,170
State income tax$0
Social Security$6,200
Medicare$1,450
Total tax$20,820

Texas has no individual income tax. Property and sales taxes are not withheld from paychecks. Annual liability estimate for tax year 2026, not a W-4 withholding forecast.

State guideCity cost of livingW-2 vs 1099

COL index

119

Typical 1-bed

$1,650/mo

Median household

$86,700

Is this salary enough?

$50,000

Tight

$60,000

Tight

$70,000

Tight

$75,000

Stretch

$80,000

Stretch

$90,000

Stretch

$100,000

Stretch

$110,000

Solid

$120,000

Solid

$125,000

Solid

$135,000

Solid

$150,000

Solid

$175,000

High

$200,000

High

$250,000

High

$300,000

High

State tax: Texas paycheck calculator.

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