Physical Therapist Salary After Tax in Texas (2026)

Median wage: $103,710/year → Take-home: $81,790/year ($6,816/mo)

✓Texas has no state income tax

Full Tax Breakdown — $103,710 in Texas

Annual Take-Home$81,790After all taxes

Monthly$6,816Net per month

Bi-Weekly$3,146Every 2 weeks

Effective Tax Rate21.1%Fed + state + FICA

Where Your Money Goes

21.1%effective rate

Take-Home$81,79078.9%

Federal Tax$13,98613.5%

FICA$7,9347.7%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$8,186

Affordability Snapshot

Based on your $6,816/mo take-home — 50/30/20 rule

Needs (50%)$3,408/mo

Rent, groceries, utilities, transport

Wants (30%)$2,045/mo

Dining, entertainment, hobbies

Savings (20%)$1,363/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$2,045/mo

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

Annual Savings Potential

$16,358

Daily Take-Home

$315

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$103,710	$8,643	$3,989	$1,994	$399	$50
Federal Income Tax	−$13,986	−$1,166	−$538	−$269	−$54	−$7
State Income Tax	$0	$0	$0	$0	$0	$0
Social Security	−$6,430	−$536	−$247	−$124	−$25	−$3
Medicare	−$1,504	−$125	−$58	−$29	−$6	−$1
Total Taxes	−$21,920	−$1,827	−$843	−$422	−$84	−$11
Take-Home Pay	$81,790	$6,816	$3,146	$1,573	$315	$39

Federal Rate

13.5%

State Rate

0.0%

Total Rate

21.1%

State-by-State Comparison

Same $103,710 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo TaxYou	$81,790	$21,920	21.1%
FLFloridaNo Tax	$81,790	$21,920	21.1%
WAWashingtonNo Tax	$81,790	$21,920	21.1%
NVNevadaNo Tax	$81,790	$21,920	21.1%
OHOhio	$79,720 -$2,070	$23,990 -$2,070/yr	23.1%
PAPennsylvania	$78,606 -$3,184	$25,104 -$3,184/yr	24.2%
GAGeorgia	$77,030 -$4,760	$26,680 -$4,760/yr	25.7%
ILIllinois	$76,801 -$4,989	$26,909 -$4,989/yr	25.9%
NYNew York	$76,711 -$5,079	$26,999 -$5,079/yr	26.0%
CACalifornia	$76,236 -$5,554	$27,474 -$5,554/yr	26.5%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,483/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 $5,901/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 $492/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 $103,710 salary · 2026 tax year

At a Glance

Annual Gross

$103,710

Annual Take-Home

$81,790

Monthly

$6,816

Bi-Weekly

$3,146

Weekly

$1,573

Hourly

$39.33

Federal Income Tax

$13,986

13.5% of gross

State Income Tax

No state income tax

FICA (SS + Medicare)

$7,934

7.7% of gross

What does a Physical Therapist earn after taxes in Texas?

The median annual wage for a physical therapist in Texas is $103,710 according to BLS data. After federal income tax, FICA, and Texas's zero state income tax, the estimated take-home is $81,790/year or $6,816/month.

The effective total tax rate is 21.1%. Compared to the national median ($101,020), Texas pays above average ($2,690 more/yr).