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
Texas vs Utah Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $2,409 less state income tax a year in Texas than in Utah, which is about $201 a month. At $150,000 the gap is $5,784 in favor of Texas.
Texas: no state taxUtah: 4.5% flatUpdated October 10, 2026
Compare Texas and Utah 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.
2Utah
21.1%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,409
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,817
- Net income (annual)
- $59,184
Advanced analysis (optional)
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💰 Monthly breakdown
Your take-home pay, spread across the year
Texas
Monthly gross$6,250
Monthly tax$1,117
Monthly take-home$5,133
Utah
Monthly gross$6,250
Monthly tax$1,318
Monthly take-home$4,932
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Texas vs Utah: how the two systems differ
| Texas | Utah | |
|---|---|---|
| Wage income tax | No tax on wages | Flat 4.5% |
| Top rate | 0% | 4.5% |
| Lowest rate | 0% | 4.5% |
| Deductions and credits (single) | Not applicable | $966 personal credit |
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 | TX state tax | UT state tax | Difference | TX take-home | UT take-home |
|---|---|---|---|---|---|
| $30,000 | $0 | $384 | $384 less in Texas | $26,285 | $25,901 |
| $40,000 | $0 | $834 | $834 less in Texas | $34,320 | $33,486 |
| $50,000 | $0 | $1,284 | $1,284 less in Texas | $42,355 | $41,071 |
| $60,000 | $0 | $1,734 | $1,734 less in Texas | $50,390 | $48,656 |
| $75,000 | $0 | $2,409 | $2,409 less in Texas | $61,593 | $59,184 |
| $100,000 | $0 | $3,534 | $3,534 less in Texas | $79,180 | $75,646 |
| $150,000 | $0 | $5,784 | $5,784 less in Texas | $113,791 | $108,007 |
| $250,000 | $0 | $10,284 | $10,284 less in Texas | $183,182 | $172,898 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | TX state tax | UT state tax | Difference | TX take-home | UT take-home |
|---|---|---|---|---|---|
| $75,000 | $0 | $1,443 | $1,443 less in Texas | $64,623 | $63,180 |
| $100,000 | $0 | $2,568 | $2,568 less in Texas | $84,710 | $82,142 |
| $150,000 | $0 | $4,818 | $4,818 less in Texas | $123,185 | $118,367 |
| $250,000 | $0 | $9,318 | $9,318 less in Texas | $197,468 | $188,150 |
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?
For a single filer, Texas and Utah charge the same state income tax (nothing) up to roughly $22,500 of income. Above that, Texas is the lower-tax state.
Rates side by side
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.
Utah (single filers)
| 4.5% | Over $0 |
- Utah: Utah’s credit phases out as income rises, which is not modeled here.
Full details for each state: Texas income tax calculator and Utah income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Texas vs Utah FAQ
Which has lower income tax, Texas or Utah?+
Texas is lower at $75,000: $0 of state income tax versus $2,409 in Utah. At $150,000 it is $0 in Texas and $5,784 in Utah. For a single filer, Texas and Utah charge the same state income tax (nothing) up to roughly $22,500 of income. Above that, Texas is the lower-tax state.
How much more do I keep on $100,000 in Texas versus Utah?+
A single filer keeping $79,180 a year in Texas would keep $75,646 in Utah after federal, state and payroll tax. The difference is $3,534 a year, or $295 a month.
How do the Texas and Utah income tax systems differ?+
Texas has no tax on wages; Utah uses a flat 4.5% rate.
Are local taxes included in this Texas vs Utah 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 Texas to Utah 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.
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Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.