1Texas
Lowest17.9%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $0
- Payroll tax (FICA)
- $5,738
- Total tax
- $13,408
- Net income (annual)
- $61,593
Tax year 2026 · state vs state
Hawaii vs Texas Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $4,170 less state income tax a year in Texas than in Hawaii, which is about $347 a month. At $150,000 the gap is $9,928 in favor of Texas.
Hawaii: up to 11%Texas: no state taxUpdated October 10, 2026
Compare Hawaii and Texas for your income
Estimate for education only, not tax advice. 2026 federal and state rules, standard deductions, no local taxes. How we calculate.
State comparison
Comparing 2 states, sorted by lowest overall tax rate.
2Hawaii
23.4%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $4,170
- Payroll tax (FICA)
- $5,738
- Total tax
- $17,577
- Net income (annual)
- $57,423
Advanced analysis (optional)
Choose which extra insights you would like to see.
💰 Monthly breakdown
Your take-home pay, spread across the year
Texas
Monthly gross$6,250
Monthly tax$1,117
Monthly take-home$5,133
Hawaii
Monthly gross$6,250
Monthly tax$1,465
Monthly take-home$4,785
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Hawaii vs Texas: how the two systems differ
| Hawaii | Texas | |
|---|---|---|
| Wage income tax | Progressive, 12 brackets | No tax on wages |
| Top rate | 11% | 0% |
| Lowest rate | 1.4% | 0% |
| Deductions and credits (single) | $4,400 standard deduction, $1,144 personal exemption | Not applicable |
State income tax and take-home pay at every salary
The same salary can leave you with different take-home pay depending on the state. This table applies each state’s 2026 rules to a single filer with no pre-tax contributions.
| Income | HI state tax | TX state tax | Difference | HI take-home | TX take-home |
|---|---|---|---|---|---|
| $30,000 | $890 | $0 | $890 less in Texas | $25,395 | $26,285 |
| $40,000 | $1,570 | $0 | $1,570 less in Texas | $32,750 | $34,320 |
| $50,000 | $2,284 | $0 | $2,284 less in Texas | $40,071 | $42,355 |
| $60,000 | $3,030 | $0 | $3,030 less in Texas | $47,360 | $50,390 |
| $75,000 | $4,170 | $0 | $4,170 less in Texas | $57,423 | $61,593 |
| $100,000 | $6,070 | $0 | $6,070 less in Texas | $73,110 | $79,180 |
| $150,000 | $9,928 | $0 | $9,928 less in Texas | $103,863 | $113,791 |
| $250,000 | $18,217 | $0 | $18,217 less in Texas | $164,965 | $183,182 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | HI state tax | TX state tax | Difference | HI take-home | TX take-home |
|---|---|---|---|---|---|
| $75,000 | $2,800 | $0 | $2,800 less in Texas | $61,822 | $64,623 |
| $100,000 | $4,568 | $0 | $4,568 less in Texas | $80,142 | $84,710 |
| $150,000 | $8,340 | $0 | $8,340 less in Texas | $114,845 | $123,185 |
| $250,000 | $15,940 | $0 | $15,940 less in Texas | $181,528 | $197,468 |
Married filing jointly, 2026, federal standard deduction. Uses each state's joint brackets where they differ.
Does the lower-tax state change as income rises?
Across every income from $10,000 to $1,000,000 that we tested, Texas charges the same or less state income tax than Hawaii for a single filer, so there is no income level where the ranking flips.
Rates side by side
Hawaii (single filers)
| 1.4% | Up to $9,600 |
| 3.2% | $9,601 to $14,400 |
| 5.5% | $14,401 to $19,200 |
| 6.4% | $19,201 to $24,000 |
| 6.8% | $24,001 to $36,000 |
| 7.2% | $36,001 to $48,000 |
| 7.6% | $48,001 to $125,000 |
| 7.9% | $125,001 to $175,000 |
| 8.25% | $175,001 to $225,000 |
| 9% | $225,001 to $275,000 |
| 10% | $275,001 to $325,000 |
| 11% | Over $325,000 |
Texas (single filers)
Texas has no state personal income tax. Its constitution restricts one. State revenue comes mainly from sales tax and property taxes set locally.
Full details for each state: Hawaii income tax calculator and Texas income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Hawaii vs Texas FAQ
Which has lower income tax, Hawaii or Texas?+
Texas is lower at $75,000: $0 of state income tax versus $4,170 in Hawaii. At $150,000 it is $9,928 in Hawaii and $0 in Texas. Across every income from $10,000 to $1,000,000 that we tested, Texas charges the same or less state income tax than Hawaii for a single filer, so there is no income level where the ranking flips.
How much more do I keep on $100,000 in Hawaii versus Texas?+
A single filer keeping $73,110 a year in Hawaii would keep $79,180 in Texas after federal, state and payroll tax. The difference is $6,070 a year, or $506 a month.
How do the Hawaii and Texas income tax systems differ?+
Hawaii uses progressive rates up to 11%; Texas has no tax on wages. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Hawaii vs Texas comparison?+
No. It covers federal income tax, Social Security, Medicare and state income tax only. City, county, sales and property taxes are not included, and they can change the real cost of living in each state.
Should I move from Hawaii to Texas to save on taxes?+
State income tax is one cost among many. Property and sales taxes, housing, insurance and wages also differ, and you may owe tax to both states in the year you move. Use this comparison as one input and confirm details with a tax professional.
Sources
- Tax Foundation: 2026 state individual income tax rates and brackets
- IRS: Tax inflation adjustments for tax year 2026
Last checked October 10, 2026. Confirm with your state tax agency before filing.
More state comparisons
- California vs Hawaii
- Florida vs Hawaii
- Hawaii vs New York
- Hawaii vs Washington
- California vs Texas
- New York vs Texas
- Illinois vs Texas
- All state comparisons →
Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.