Texas vs Florida: take-home pay comparison
Two no-state-income-tax US states — federal + FICA only. Take-home is identical; differentiation is elsewhere.
Texas and Florida both have NO state income tax. For a salaried employee with no other income, federal income tax + FICA (Social Security + Medicare) are the only payroll deductions on either side. The take-home pay at every gross level is identical.
This comparison exists for completeness — the differentiator between TX and FL is not payroll tax but cost of living (rent, property tax, insurance) and state sales tax (TX 6.25% base + locals, FL 6% + locals). Neither is captured by a take-home pay calculator. If you're choosing between the two states purely on the payroll-tax basis, there is no difference at any salary level.
Side-by-side at common gross levels
| Gross (annual) | United States — Texasnative: $ | United States — Floridanative: $ | Net delta (right − left) |
|---|---|---|---|
| $40,000 / $40,000 | $34,179 (14.6%) | $34,179 (14.6%) | $0 |
| $80,000 / $80,000 | $64,666 (19.2%) | $64,666 (19.2%) | $0 |
| $120,000 / $120,000 | $92,773 (22.7%) | $92,773 (22.7%) | $0 |
| $200,000 / $200,000 | $148,935 (25.5%) | $148,935 (25.5%) | $0 |
Frequently asked questions
- How much more take-home does $80,000 yield in Florida vs Texas?
- At $80,000 gross on each side using 2025 rates: Texas retains $64,666 (19.2% effective), Florida retains $64,666 (19.2% effective). Net delta: $0 more in Florida.
- What is the marginal-rate difference between Texas and Florida at $80,000?
- At $80,000 gross, the next 100 of gross retains $70 in Texas (marginal rate 29.7%) and $70 in Florida (marginal rate 29.7%). This matters for bonus, overtime, or salary-sacrifice decisions — the marginal rate applies to the next unit earned, not the average.
- At what salary level is the take-home gap biggest between Texas and Florida?
- Across the 40k–250k single-filer sweep, the largest net delta is at $80,000 gross: Florida net is higher by $0 per year. Above and below this point the gap is smaller, driven by the interaction of each side's band thresholds + social-contribution caps.
- What does this Texas vs Florida comparison include?
- Both sides use each tax authority's published 2025/26 rates: income tax, social-insurance contributions, and any statutory levies routed through payroll. The numbers are the same ones the full /us/tx and /us/fl calculators produce — open either page for the full per-line breakdown.
- What does this comparison NOT model?
- Pension contributions, salary-sacrifice schemes, benefits-in-kind, region-specific surcharges (Scotland for UK, Comunidad Autónoma for ES, Bundesland for DE), and cost-of-living differences are not modeled here. The comparison is a tax-stack-only view.