State vs state · 2026
Texas vs Florida: take-home pay compared (2026)
It is a tie on paychecks. Neither Texas nor Florida taxes wages, so a $100,000 earner takes home the same $79,180 in both. The real differences are property tax, sales tax, housing and insurance costs.
Take-home pay at every salary level
Single filer, standard deduction, 2026 rates. Local city or county income taxes are not included.
| Salary | Texas | Florida | Difference / yr | Better in |
|---|---|---|---|---|
| $40,000 | $34,320 | $34,320 | $0 | Tie |
| $60,000 | $50,390 | $50,390 | $0 | Tie |
| $75,000 | $61,593 | $61,593 | $0 | Tie |
| $100,000 | $79,180 | $79,180 | $0 | Tie |
| $150,000 | $113,791 | $113,791 | $0 | Tie |
| $200,000 | $148,927 | $148,927 | $0 | Tie |
| $300,000 | $215,177 | $215,177 | $0 | Tie |
How each state taxes income
| Feature | Texas | Florida |
|---|---|---|
| Tax type | No income tax | No income tax |
| Top rate | 0.00% | 0.00% |
| Number of brackets | 0 | 0 |
| Deductions | no standard deduction or personal exemption | no standard deduction or personal exemption |
| Local income tax | Generally no | Generally no |
The verdict
Paycheck taxes are identical in Texas and Florida, so the decision comes down to cost of living. Before moving, compare rent or home prices, property tax, sales tax and car insurance, which often matter as much as income tax for middle incomes.
Run your exact salary in the Texas paycheck calculator or the Florida paycheck calculator.
Related comparisons
Frequently asked questions
Is Texas or Florida better for take-home pay?
Neither. Texas and Florida both have no state income tax on wages, so take-home pay is identical at every salary.
How much more tax do you pay in Texas than Florida?
Texas has no state income tax on wages, so only federal income tax and FICA come out of your paycheck. Florida has no state income tax on wages, so only federal income tax and FICA come out of your paycheck. The gap widens as income rises: at $200,000 it is $0 a year.
Does this include property and sales tax?
No. This comparison covers taxes withheld from pay: federal income tax, FICA and state income tax. Sales, property and local taxes can narrow or widen the gap, so factor in housing costs before moving.
Disclaimer: These are estimates based on published tax rates for a single employee with standard deductions and no other income. Your actual pay depends on your tax code, benefits, credits and local taxes. This site is for information only and is not financial, tax or legal advice. Check with your tax authority or a qualified professional before making decisions.