What is the average salary in San Antonio?

The median annual wage across all occupations in the San Antonio-New Braunfels, TX area is $46,010, according to Bureau of Labor Statistics OEWS data for May 2024. That covers roughly 1.1 million workers.

How much do you take home after taxes in San Antonio?

On the $46,010 median wage, a single filer in San Antonio takes home about $39,149 per year ($3,262 per month) after federal, state taxes — an effective rate of 14.9%.

Does San Antonio have a city income tax?

No. San Antonio does not levy a local income tax, so residents pay federal, FICA, and Texas state income tax — and Texas has no state income tax either.

San Antonio Salary Calculator — Take-Home Pay After Tax (2026)

The median wage across all occupations in San Antonio is $46,010, which leaves about $39,149 after federal, Texas state taxes.

✓No Texas state income tax and no city income tax

Median Wage

$46,010

all occupations

Take-Home

$39,149

$3,262/mo

Effective Tax Rate

14.9%

fed + state + FICA

Workers

1.1M

rank #19 of 20 by pay

Full Tax Breakdown — $46,010 in San Antonio

Single filer, standard deduction, 2026 rates.

Annual Take-Home$39,149After all taxes

Monthly$3,262Net per month

Bi-Weekly$1,506Every 2 weeks

Effective Tax Rate14.9%Fed + state + FICA

Where Your Money Goes

14.9%effective rate

Take-Home$39,14985.1%

Federal Tax$3,3417.3%

FICA$3,5207.7%

Federal Tax Brackets

10%

$1,240

12%

$2,101

Affordability Snapshot

Based on your $3,262/mo take-home — 50/30/20 rule

Needs (50%)$1,631/mo

Rent, groceries, utilities, transport

Wants (30%)$979/mo

Dining, entertainment, hobbies

Savings (20%)$652/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$979/mo

30% of monthly take-home — the commonly recommended housing cost ceiling.

Annual Savings Potential

$7,830

Daily Take-Home

$151

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$46,010	$3,834	$1,770	$885	$177	$22
Federal Income Tax	−$3,341	−$278	−$129	−$64	−$13	−$2
State Income Tax	$0	$0	$0	$0	$0	$0
Social Security	−$2,853	−$238	−$110	−$55	−$11	−$1
Medicare	−$667	−$56	−$26	−$13	−$3	−$0
Total Taxes	−$6,861	−$572	−$264	−$132	−$26	−$3
Take-Home Pay	$39,149	$3,262	$1,506	$753	$151	$19

Federal Rate

7.3%

State Rate

0.0%

Total Rate

14.9%

State-by-State Comparison

Same $46,010 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo TaxYou	$39,149	$6,861	14.9%
FLFloridaNo Tax	$39,149	$6,861	14.9%
NVNevadaNo Tax	$39,149	$6,861	14.9%
OHOhio	$38,666 -$483	$7,344 -$483/yr	16.0%
WAWashingtonNo Tax	$38,511 -$638	$7,499 -$638/yr	16.3%
PAPennsylvania	$37,704 -$1,445	$8,306 -$1,445/yr	18.1%
CACalifornia	$37,574 -$1,575	$8,436 -$1,575/yr	18.3%
GAGeorgia	$37,384 -$1,765	$8,626 -$1,765/yr	18.7%
NYNew York	$37,032 -$2,118	$8,978 -$2,118/yr	19.5%
ILIllinois	$37,016 -$2,133	$8,994 -$2,133/yr	19.5%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $600/yr in taxes

Pre-tax 401(k) contributions reduce your federal and state taxable income. Contributing an additional $5,000 would increase your monthly take-home by $417 while building retirement savings.

💍

Married filing jointly saves $1,960/yr

If you're married, filing jointly gives you a $32,200 standard deduction (vs $16,100 single) and wider tax brackets. This would add $163/month to your take-home.

🏥

An HSA could save $865/yr in taxes

If you have a High-Deductible Health Plan (HDHP), you can contribute up to $4,400 to an HSA pre-tax. This reduces your taxable income and saves $865 in federal and state taxes — a triple tax advantage.

Results for $46,010 salary · 2026 tax year

Take-Home Pay by Salary in San Antonio

Gross Salary	Take-Home / Year	Per Month	Effective Rate
$40,000	$34,320	$2,860	14.2%
$50,000	$42,355	$3,530	15.3%
$60,000	$50,390	$4,199	16.0%
$75,000	$61,593	$5,133	17.9%
$100,000	$79,180	$6,598	20.8%
$125,000	$96,704	$8,059	22.6%
$150,000	$113,791	$9,483	24.1%
$200,000	$148,927	$12,411	25.5%

San Antonio Salaries by Occupation

BLS median wage for each occupation in the San Antonio-New Braunfels, TX area, with take-home after all 2026 taxes.

Occupation	Median Wage	Take-Home	Eff. Rate
Physician (General Practice)	$225,650	$167,196	25.9%
Software Engineering Manager	$164,960	$124,016	24.8%
Pharmacist	$146,380	$111,317	24.0%
Physician Assistant	$135,120	$103,621	23.3%
Lawyer	$134,890	$103,463	23.3%
Marketing Manager	$129,850	$100,018	23.0%
Human Resources Manager	$128,810	$99,308	22.9%
Nurse Practitioner	$125,530	$97,066	22.7%
Software Developer	$125,210	$96,847	22.7%
Veterinarian	$125,020	$96,717	22.6%
Dentist	$111,560	$87,312	21.7%
Data Scientist	$107,850	$84,702	21.5%
Physical Therapist	$102,900	$81,220	21.1%
Electrical Engineer	$102,680	$81,065	21.1%
Mechanical Engineer	$101,710	$80,383	21.0%
Occupational Therapist	$100,740	$79,701	20.9%
Construction Manager	$97,010	$77,077	20.5%
Operations Manager	$96,250	$76,542	20.5%
Registered Nurse	$87,100	$70,105	19.5%
Dental Hygienist	$85,840	$69,218	19.4%
Civil Engineer	$84,880	$68,543	19.2%
UX Designer	$81,240	$65,982	18.8%
Financial Analyst	$78,520	$64,069	18.4%
Radiologic Technologist	$76,950	$62,964	18.2%
Accountant	$76,790	$62,852	18.2%
Police Officer	$71,490	$59,123	17.3%
Social Worker	$69,780	$57,920	17.0%
Psychologist	$67,660	$56,429	16.6%
Firefighter	$62,660	$52,527	16.2%
Graphic Designer	$61,530	$51,619	16.1%
Elementary School Teacher	$60,220	$50,567	16.0%
Plumber	$58,530	$49,209	15.9%
Electrician	$52,650	$44,484	15.5%
Truck Driver (Heavy)	$49,600	$42,034	15.3%
Real Estate Agent	$42,410	$36,256	14.5%

Source: BLS Occupational Employment and Wage Statistics, May 2024, San Antonio-New Braunfels, TX (MSA 41700). Occupations BLS does not publish an estimate for in this metro are omitted rather than guessed.

How these San Antonio numbers are calculated

Wages are published BLS medians for the San Antonio-New Braunfels, TX metropolitan statistical area — the wider metro, not San Antonio city limits. Taxes are 2026 federal brackets, FICA, and no Texas state income tax, for a single filer taking the standard deduction. Cost of living is not modeled — a higher wage here does not automatically mean more spending power. Full methodology.