Texas vs Florida: Take-Home Pay Compared
On a $100,000 salary you take home $79,180 in Texas and $79,180 in Florida. That's $0 more per year ($0 a month) after moving to Florida.
| Texas | Florida | Difference | |
|---|---|---|---|
| Federal income tax | $13,170 | $13,170 | $0 |
| Social Security + Medicare | $7,650 | $7,650 | $0 |
| State income tax | $0 | $0 | $0 |
| State payroll & local tax | $0 | $0 | $0 |
| Take-home pay / year | $79,180 | $79,180 | $0 |
| Take-home / month | $6,598 | $6,598 | $0 |
| Total tax rate | 20.8% | 20.8% | 0.0% |
To match your Texas take-home pay, you would need about $100,000 in Florida.
Texas vs Florida at every salary
Single filer, 2026 tax year, no pre-tax deductions. Difference is Florida minus Texas.
| Salary | Texas | Florida | Yearly difference | Monthly |
|---|---|---|---|---|
| $40,000 | $34,320 | $34,320 | $0 | $0 |
| $50,000 | $42,355 | $42,355 | $0 | $0 |
| $60,000 | $50,390 | $50,390 | $0 | $0 |
| $75,000 | $61,593 | $61,593 | $0 | $0 |
| $100,000 | $79,180 | $79,180 | $0 | $0 |
| $125,000 | $96,704 | $96,704 | $0 | $0 |
| $150,000 | $113,791 | $113,791 | $0 | $0 |
| $200,000 | $148,927 | $148,927 | $0 | $0 |
| $250,000 | $183,182 | $183,182 | $0 | $0 |
Why the difference?
Federal income tax, Social Security, and Medicare are identical in both states, so the gap comes entirely from state-level taxes. Texas has no income tax on wages, while Florida has no income tax on wages.
Income tax is only part of the picture: states without an income tax often rely more on sales and property taxes, and housing costs vary far more than taxes do. Use this comparison for your paycheck, then weigh it against rent or mortgage costs in the cities you are considering.
Commuting across the line instead of moving? Read how taxes work when you live in one state and work in another. See the full breakdowns in the Texas paycheck calculator and the Florida paycheck calculator.
Frequently asked questions
Is Florida cheaper than Texas for taxes?
For wage earners, Florida takes less of your paycheck. On a $100,000 salary a single filer keeps $0 more per year in Florida than in Texas ($0 per month). Texas has no income tax on wages; Florida has no income tax on wages.
How much is $100,000 in Texas worth in Florida?
To take home the same $79,180 you net on $100,000 in Texas, you would need a salary of about $100,000 in Florida.
How much will I save moving from Texas to Florida?
In income and payroll taxes, about $0 per year at $75,000, $0 at $100,000, and $0 at $150,000 (negative numbers mean you pay more in Florida). Sales, property, and housing costs are not included.