Which has lower taxes, Massachusetts or Texas?

Texas has lower total taxes on a $100,000 salary in 2026. A single filer in Texas takes home approximately $79,180 versus $74,280 in Massachusetts — a difference of $4,900 per year.

How much more take-home pay does Texas give than Massachusetts at $100,000?

At $100,000, Texas provides $4,900 more annual take-home than Massachusetts for a single filer in 2026. Over 10 years (not adjusted for inflation), that is $49,000 difference.

Does Massachusetts have state income tax?

Massachusetts has a state income tax. On $100,000, a single filer pays approximately $4,900 in Massachusetts state income tax in 2026.

Does Texas have state income tax?

Texas has no state income tax. There is zero state income tax on wages in Texas in 2026.

Which is better for remote workers, Massachusetts or Texas?

For remote workers, the state with lower income tax generally provides more take-home pay. In 2026, Texas takes home $4,900 more per year on $100K. However, cost of living, employer nexus rules, and domicile requirements also apply. See our remote worker tax guide for full details.

2026 State Take-Home Comparison

Massachusetts vs Texas Take-Home Pay (2026)

Reviewed by ExactTakeHome Editorial Team · 2026-06-10 · Sources: 3 official authorities

Moving from Massachusetts to Texas: paycheck difference after taxes

On a $75,000 salary, moving from Massachusetts to Texas means earning $3,650 more per year after taxes — about $140 more per biweekly paycheck. Federal income tax and FICA stay the same; the difference comes from state tax.

StateAnnual take-homePer paycheck (biweekly)

Massachusetts$57,943$2,229

Texas$61,593$2,369

Difference+$3,650/yr+$140/paycheck

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.

On a $100,000 salary, you take home $4,900 more per year in Texas than in Massachusetts.

$100,000 Salary: Massachusetts vs Texas

Tax / Component	Massachusetts	Texas	Difference
Federal Income Tax	$13,170	$13,170	same
State Income Tax	$4,900	$0	+$4,900
Social Security	$6,200	$6,200	same
Medicare	$1,450	$1,450	same
Take-Home Pay	$74,280	$79,180	-$4,900

$100,000 — Rent affordability: Massachusetts vs Texas

Metric	Massachusetts	Texas
Net take-home / year	$74,280	$79,180
Net take-home / month	$6,190	$6,598
Median 1BR rent (HUD)	$1,450	$850
Rent as % of take-home	23.4% ✓	12.9% ✓

Rent: HUD Fair Market Rents FY2025 · Spending: BLS Consumer Expenditure Survey 2023

$75,000 Salary: Massachusetts vs Texas

Tax / Component	Massachusetts	Texas	Difference
Federal Income Tax	$7,670	$7,670	same
State Income Tax	$3,650	$0	+$3,650
Social Security	$4,650	$4,650	same
Medicare	$1,088	$1,088	same
Take-Home Pay	$57,943	$61,593	-$3,650

Take-Home Pay Comparison: Massachusetts vs Texas

For a single filer at $100,000, Texas puts $4,900 more per year in your pocket than Massachusetts — $408 per month.

Annual Salary	Massachusetts	Texas	Annual Difference
$50,000	$39,955	$42,355	$-2,400 (Massachusetts)
$75,000	$57,942.5	$61,592.5	$-3,650 (Massachusetts)
$100,000	$74,280	$79,180	$-4,900 (Massachusetts)
$125,000	$90,553.5	$96,703.5	$-6,150 (Massachusetts)
$150,000	$106,391	$113,791	$-7,400 (Massachusetts)

After subtracting median 1-bedroom rent, Texas residents keep $62,980 per year vs $51,480 in Massachusetts. See full cost-adjusted ranking →

Calculate your exact Massachusetts 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

View sources and full methodology →