Texas tax tables are different from those in most states because Texas does not have an individual state income tax.
Texas has a 0% state individual income tax rate on wages, salaries, pensions, retirement income, investment income, and other personal income.
Because Texas has no individual income tax, it does not have personal state income tax brackets like California, New York, or South Carolina.
Texas Tax Rate
The Texas individual income tax rate is:
| Texas Taxable Income | Texas Income Tax Rate |
|---|---|
| All income | 0% |
A Texas resident generally does not owe state income tax on personal earnings or other taxable income.
| Save 10% on TurboTax Easy Online Tax Filing! |
| Take advantage of this offer and save 10% on TurboTax! |
Texas Tax Tables
Texas does not need an individual income tax table because the state does not impose a personal income tax.
| Tax Year | Texas Individual Income Tax Rate |
|---|---|
| 2026 | 0% |
| 2025 | 0% |
| 2024 | 0% |
| 2023 | 0% |
| 2022 | 0% |
This means Texas taxpayers do not calculate state income tax by moving through different tax brackets.
Does Texas Have a State Income Tax?
Texas does not have a personal state income tax.
For an individual taxpayer, this means wages, salaries, pensions, IRA distributions, 401(k) withdrawals, Social Security benefits, and most other personal income are not subject to a Texas individual income tax.
Federal income tax rules still apply.
Texas Federal Tax Tables
Texas residents still use the federal tax tables and federal tax brackets when calculating federal income tax.
Federal income tax rates range from 10% to 37%, depending on taxable income and filing status.
Federal Tax Brackets for Single Filers
| Federal Tax Rate | Taxable Income |
|---|---|
| 10% | $0 – $12,400 |
| 12% | $12,400 – $50,400 |
| 22% | $50,400 – $105,700 |
| 24% | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 |
| 35% | $256,225 – $640,600 |
| 37% | Over $640,600 |
These are federal tax brackets, not Texas tax brackets.
Texas Tax Tables for Seniors
Texas can be attractive to retirees because there is no individual state income tax on retirement income.
Texas does not impose a state income tax on:
- Social Security benefits
- Pension income
- IRA withdrawals
- 401(k) distributions
- Investment income
- Capital gains
Federal taxes may still apply to some of these income sources.
Does Texas Tax Social Security?
Texas does not tax Social Security benefits because the state does not have an individual income tax.
Federal tax rules can determine whether part of a taxpayer’s Social Security benefits is taxable on a federal return.
Does Texas Tax Pension Income?
Texas does not impose state income tax on pension payments.
A Texas resident receiving a pension generally does not owe Texas income tax on that pension income. Federal income tax may still apply depending on the type of pension and the taxpayer’s overall income.
Does Texas Tax IRA Withdrawals?
Texas does not tax traditional IRA withdrawals at the state level.
Taxable IRA distributions can still be subject to federal income tax. Roth IRA distributions may receive different federal treatment when the applicable requirements are satisfied.
Does Texas Tax 401(k) Withdrawals?
Texas does not impose state income tax on 401(k) withdrawals.
Traditional 401(k) distributions can be taxable under federal law, while qualified Roth 401(k) distributions may receive different federal treatment.
Texas Capital Gains Tax
Texas does not have an individual state capital gains tax.
A Texas resident generally does not pay Texas income tax on capital gains from stocks, investments, real estate, or other assets.
Federal capital gains taxes can still apply.
Texas Tax Withholding
Texas does not have state individual income tax withholding.
Employees working in Texas therefore generally do not have Texas income tax deducted from their paychecks.
Federal income tax, Social Security, and Medicare taxes can still be withheld from wages.
Texas Tax Refund
Texas does not have a personal state income tax refund because Texas residents do not file an individual income tax return.
Texas taxpayers can still receive a federal tax refund if their federal withholding and other payments exceed their federal tax liability.
Texas Property Taxes
Although Texas does not have an individual income tax, property taxes are an important part of the state’s tax system.
Texas relies heavily on local property taxes to fund schools, municipalities, counties, and other public services.
Homeowners may qualify for property tax exemptions, including homestead exemptions and additional benefits for qualifying seniors.
Texas Sales Tax
Texas also relies on sales taxes to generate state and local revenue.
The Texas state sales tax rate is 6.25%. Local governments can impose additional sales taxes, so the total rate consumers pay can be higher.
Texas Tax Tables and Federal Tax Brackets
Texas tax tables should not be confused with federal tax tables.
A taxpayer living in Texas may have a 0% Texas individual income tax rate while still owing federal income tax based on the federal tax brackets.
Example: A Texas resident earns $100,000. The taxpayer does not owe Texas individual income tax on that $100,000, but federal income tax may still be due.
Example of Texas Income Tax
Example: A Texas resident earns $75,000 in wages.
Texas income tax calculation:
$75,000 × 0% = $0
The taxpayer owes $0 in Texas individual income tax. Federal income tax and payroll taxes may still apply.
Texas Tax Tables for Retirees
Texas is one of the states that can be attractive to retirees because retirement income is not subject to a state individual income tax.
A retiree may receive income from several sources without owing Texas individual income tax:
- Social Security
- Pension payments
- IRA withdrawals
- 401(k) distributions
- Investment income
- Capital gains
The absence of state income tax does not eliminate federal tax obligations. Retirees should consider federal tax brackets, required minimum distributions, taxable Social Security benefits, and other federal rules when planning their retirement income.
Unique Texas Tax Factors
Texas is one of the largest states without an individual income tax.
Unlike states with graduated or flat income tax systems, Texas residents do not need to calculate state income tax brackets or apply a state income tax table to their personal income.
Instead, Texas relies more heavily on other revenue sources, including sales taxes and property taxes.
Electronic Filing Recommendation 💻
Texas residents generally do not file a Texas individual income tax return because the state does not have a personal income tax.
Most taxpayers still need to file a federal income tax return. Electronic filing can make federal tax filing faster, easier, and more accurate.
Benefits of electronic filing include:
- Faster federal refund processing
- Improved filing accuracy
- Secure electronic submission
- Direct deposit availability
- Faster filing confirmation
Final Thoughts on Texas Tax Tables
Texas tax tables are unusual because Texas has no individual income tax brackets. The Texas individual income tax rate is 0% regardless of the amount of personal income.
Texas residents still need to consider federal tax tables and federal tax brackets when calculating their overall income tax liability. Property taxes, sales taxes, and other state and local taxes can also affect a Texas household’s total tax burden.
For retirees, the absence of an individual state income tax can be especially valuable because Texas does not impose state income tax on Social Security, pensions, IRA withdrawals, 401(k) distributions, or capital gains.
| Save 10% on TurboTax Electronic Tax Filing |
| Take advantage of this offer and save 10% on TurboTax! |
