In Texas, the amount of taxes deducted from a paycheck in 2025 mainly includes federal taxes and payroll taxes, as Texas does not have a state income tax. Here's a breakdown of the common deductions from a paycheck in Texas:
- Federal Income Tax:
- The withholding is based on IRS tax brackets for 2025, ranging from 10% to 37%, depending on income, filing status, and W-4 details.
- FICA Taxes (Federal Insurance Contributions Act):
- Social Security Tax: 6.2% of gross wages, up to a wage base limit of $176,100 for 2025.
- Medicare Tax: 1.45% of all wages.
- Additional Medicare Tax: 0.9% on wages exceeding $200,000 for single filers or $250,000 for joint filers.
- Additional Pre-Tax Deductions (which reduce taxable income):
- Retirement contributions (e.g., 401(k)), up to $22,500 or $30,000 if over age 50.
- Health insurance premiums.
- Flexible Spending Accounts (FSA) contributions (up to $3,050 for healthcare and $5,000 for dependent care).
- No Texas State Income Tax:
- Texas does not deduct state income tax, which means no state tax is withheld from paychecks in Texas.
Example for someone earning $3,000 biweekly:
- Federal Income Tax (estimated): $300
- Social Security Tax (6.2%): $186
- Medicare Tax (1.45%): $43.50
- Pre-tax deductions (401(k), insurance, etc.): variable
- Total deductions could be about $779.50, leaving a net pay of approximately $2,220.50 from a $3,000 gross paycheck.
Overall, the tax deductions from a Texas paycheck are mostly federal income tax and FICA (Social Security and Medicare) taxes. The absence of Texas state income tax means higher take-home pay compared to states with state income tax. If you want to calculate exact deductions, you would need to provide your income, filing status, and any pre-tax deductions or allowances claimed on your W-4 form.
