2026 State Take-Home Comparison
Arizona vs Texas Take-Home Pay (2026)
Moving from Arizona to Texas: paycheck difference after taxes
On a $75,000 salary, moving from Arizona to Texas means earning $1,500 more per year after taxes — about $58 more per biweekly paycheck. Federal income tax and FICA stay the same; the difference comes from state tax.
What changes: State income tax. What stays the same: Federal income tax and FICA (Social Security + Medicare) are the same in every state for the same salary and filing status. Estimates based on $75,000 salary, single, biweekly. Use the calculator below for your numbers.
Arizona vs Texas — Take-Home Pay Overview
Arizona uses a flat state income tax, while Texas has no state income tax on wage income.
For workers comparing the two states, that means Texas generally leaves more paycheck income after withholding than Arizona under the same salary assumptions.
| Salary | Arizona Take-Home | Texas Take-Home |
|---|---|---|
| $50,000 | $41,355 | $42,355 |
| $75,000 | $60,093 | $61,593 |
| $100,000 | $77,180 | $79,180 |
On a $100,000 salary, you take home $2,000 more per year in Texas than in Arizona.
$100,000 Salary: Arizona vs Texas
| Tax / Component | Arizona | Texas | Difference |
|---|---|---|---|
| Federal Income Tax | $13,170 | $13,170 | same |
| State Income Tax | $2,000 | $0 | +$2,000 |
| Social Security | $6,200 | $6,200 | same |
| Medicare | $1,450 | $1,450 | same |
| Take-Home Pay | $77,180 | $79,180 | -$2,000 |
$100,000 — Rent affordability: Arizona vs Texas
| Metric | Arizona | Texas |
|---|---|---|
| Net take-home / year | $77,180 | $79,180 |
| Net take-home / month | $6,432 | $6,598 |
| Median 1BR rent (HUD) | $1,050 | $850 |
| Rent as % of take-home | 16.3% ✓ | 12.9% ✓ |
Rent: HUD Fair Market Rents FY2025 · Spending: BLS Consumer Expenditure Survey 2023
$75,000 Salary: Arizona vs Texas
| Tax / Component | Arizona | Texas | Difference |
|---|---|---|---|
| Federal Income Tax | $7,670 | $7,670 | same |
| State Income Tax | $1,500 | $0 | +$1,500 |
| Social Security | $4,650 | $4,650 | same |
| Medicare | $1,088 | $1,088 | same |
| Take-Home Pay | $60,093 | $61,593 | -$1,500 |
Take-Home Pay Comparison: Arizona vs Texas
For a single filer at $100,000, Texas puts $2,000 more per year in your pocket than Arizona — $167 per month.
| Annual Salary | Arizona | Texas | Annual Difference |
|---|---|---|---|
| $50,000 | $41,355 | $42,355 | $-1,000 (Arizona) |
| $75,000 | $60,092.5 | $61,592.5 | $-1,500 (Arizona) |
| $100,000 | $77,180 | $79,180 | $-2,000 (Arizona) |
| $125,000 | $94,203.5 | $96,703.5 | $-2,500 (Arizona) |
| $150,000 | $110,791 | $113,791 | $-3,000 (Arizona) |
After subtracting median 1-bedroom rent, Texas residents keep $62,980 per year vs $59,780 in Arizona. See full cost-adjusted ranking →
Calculate your exact Arizona vs Texas take-home →Calculation assumptions
- Standard withholding per IRS Publication 15-T (2026)
- Social Security wage base: $184,500 (SSA 2026)
- No pre-tax deductions, no post-tax deductions
- Filing status: Single, one job
- Standard W-4 withholding (no additional withholding elections)
- Actual paycheck may differ based on employer setup, benefits, or W-4 elections
Calculate your take-home pay in each state:
Calculate your exact take-home pay
- Use the Arizona paycheck calculator →
- Use the Texas paycheck calculator →
- Compare custom salaries interactively →
- Compare full job offers with cost-of-living adjustment