Illinois vs Texas: Take-Home Pay Compared (2026)
How much more (or less) do you keep after tax in Illinois versus Texas? This compares estimated take-home pay for a single filer in 2026 — federal income tax, FICA and state income tax — at four salary levels.
Texas leaves about $4,805 more per year in take-home pay ($400/month) at this salary.
Illinois vs Texas take-home pay by salary (2026)
| Gross / yr | IL take-home | TX take-home | Difference / yr | Wins |
|---|---|---|---|---|
| $50,000 | $40,025 | $42,355 | $2,330 | TX |
| $75,000 | $58,025 | $61,593 | $3,568 | TX |
| $100,000 | $74,375 | $79,180 | $4,805 | TX |
| $150,000 | $106,511 | $113,791 | $7,280 | TX |
Single filer, standard deduction, 2026. Take-home = gross − federal income tax − FICA − state income tax. Excludes local taxes, deductions and credits.
Why the difference?
The gap is almost entirely state income tax. Texas levies no state income tax on wages, while Illinois applies a state income tax up to 4.95%. Federal income tax and FICA are identical in both states, so every dollar Illinois withholds for state tax is take-home pay you would keep in Texas. The difference grows as your salary rises into Illinois's higher brackets.
Remember this is tax only. Cost of living, housing, property tax and sales tax can move the real-world comparison a long way in either direction — a smaller paycheck can still stretch further where things are cheaper.
Estimate Figures are 2026 estimates for a single filer taking the standard deduction, computed with the same engine as our full paycheck calculators. They exclude local city/county income taxes, pre-tax deductions (401k/HSA), and credits. Confirm with the IRS and each state's tax authority before relying on any figure.
Run the full numbers
Want your exact salary, pay frequency and a full tax breakdown? Open either state’s paycheck calculator:
Frequently asked questions
Do you take home more in Illinois or Texas?
On a $100,000 salary, a single filer keeps an estimated $74,375 in Illinois versus $79,180 in Texas — so Texas leaves about $4,805 more per year (Illinois keeps less). The gap changes with salary; see the table above for $50k–$150k.
Why is take-home pay different in Illinois vs Texas?
The gap is almost entirely state income tax. Texas levies no state income tax on wages, while Illinois applies a state income tax up to 4.95%. Federal income tax and FICA are identical in both states, so every dollar Illinois withholds for state tax is take-home pay you would keep in Texas. The difference grows as your salary rises into Illinois's higher brackets.
Does Illinois or Texas have a state income tax?
Illinois does tax wages — a state income tax up to 4.95%. Texas has no state income tax on wages. Federal income tax and FICA apply in both states either way.
Does this Illinois vs Texas comparison include cost of living?
No. This compares take-home pay after taxes only — federal income tax, FICA and state income tax for a single filer taking the standard deduction. It does not factor in cost of living, housing, property tax, sales tax or local income taxes, which can be just as important when comparing two states. Treat the numbers as a tax-only estimate.
Is this Illinois vs Texas take-home comparison accurate?
It is a 2026 estimate for a single filer with the standard deduction and no dependants or credits, using the same engine as our full paycheck calculators. Real take-home depends on filing status, pre-tax deductions (401k/HSA), local taxes and credits. Verify with the IRS and each state's tax authority before making a decision.