Civil Engineer Salary After Tax in San Antonio (2026)

Est. wage: $84,880/year → Take-home: $68,543/year ($5,712/mo)

✓ Texas has no state income tax

City Median Wage

$84,880

-$14,710 vs national

Annual Take-Home

$68,543

Monthly Take-Home

$5,712

Effective Tax Rate

19.2%

Full Tax Breakdown — $84,880 in San Antonio

Annual Take-Home$68,543After all taxes

Monthly$5,712Net per month

Bi-Weekly$2,636Every 2 weeks

Effective Tax Rate19.2%Fed + state + FICA

Where Your Money Goes

19.2%effective rate

Take-Home$68,54380.8%

Federal Tax$9,84411.6%

FICA$6,4937.7%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$4,044

Affordability Snapshot

Based on your $5,712/mo take-home — 50/30/20 rule

Needs (50%)$2,856/mo

Rent, groceries, utilities, transport

Wants (30%)$1,714/mo

Dining, entertainment, hobbies

Savings (20%)$1,142/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,714/mo

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

Annual Savings Potential

$13,709

Daily Take-Home

$264

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$84,880	$7,073	$3,265	$1,632	$326	$41
Federal Income Tax	−$9,844	−$820	−$379	−$189	−$38	−$5
State Income Tax	$0	$0	$0	$0	$0	$0
Social Security	−$5,263	−$439	−$202	−$101	−$20	−$3
Medicare	−$1,231	−$103	−$47	−$24	−$5	−$1
Total Taxes	−$16,337	−$1,361	−$628	−$314	−$63	−$8
Take-Home Pay	$68,543	$5,712	$2,636	$1,318	$264	$33

Federal Rate

11.6%

State Rate

0.0%

Total Rate

19.2%

State-by-State Comparison

Same $84,880 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo TaxYou	$68,543	$16,337	19.2%
FLFloridaNo Tax	$68,543	$16,337	19.2%
NVNevadaNo Tax	$68,543	$16,337	19.2%
WAWashingtonNo Tax	$67,366 -$1,177	$17,514 -$1,177/yr	20.6%
OHOhio	$66,991 -$1,552	$17,889 -$1,552/yr	21.1%
PAPennsylvania	$65,878 -$2,665	$19,002 -$2,665/yr	22.4%
GAGeorgia	$64,761 -$3,782	$20,119 -$3,782/yr	23.7%
ILIllinois	$64,486 -$4,057	$20,394 -$4,057/yr	24.0%
NYNew York	$64,159 -$4,384	$20,721 -$4,384/yr	24.4%
CACalifornia	$63,637 -$4,906	$21,243 -$4,906/yr	25.0%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,100/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.

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Married filing jointly saves $4,018/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 $335/month to your take-home.

🏥

An HSA could save $1,305/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 $1,305 in federal and state taxes — a triple tax advantage.

Results for $84,880 salary · 2026 tax year

What does a Civil Engineer earn after taxes in San Antonio?

Based on BLS metro area wage data, a civil engineer in San Antonio earns approximately $84,880/year — $14,710 below the national median of $99,590. After federal income tax, FICA, and no state income tax, the estimated take-home is $68,543/year or $5,712/month.