Physical Therapist Salary After Tax in Texas (2026)

Median wage: $97,430/year → Take-home: $77,372/year ($6,448/mo)

✓Texas has no state income tax

Full Tax Breakdown — $97,430 in Texas

Annual Take-Home$77,372After all taxes

Monthly$6,448Net per month

Bi-Weekly$2,976Every 2 weeks

Effective Tax Rate20.6%Fed + state + FICA

Where Your Money Goes

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$6,805

Affordability Snapshot

Based on your $6,448/mo take-home — 50/30/20 rule

Needs (50%)$3,224/mo

Rent, groceries, utilities, transport

Wants (30%)$1,934/mo

Dining, entertainment, hobbies

Savings (20%)$1,290/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,934/mo

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

Annual Savings Potential

$15,474

Daily Take-Home

$298

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$97,430	$8,119	$3,747	$1,874	$375	$47
Federal Income Tax	−$12,605	−$1,050	−$485	−$242	−$48	−$6
State Income Tax	$0	$0	$0	$0	$0	$0
Social Security	−$6,041	−$503	−$232	−$116	−$23	−$3
Medicare	−$1,413	−$118	−$54	−$27	−$5	−$1
Total Taxes	−$20,058	−$1,672	−$771	−$386	−$77	−$10
Take-Home Pay	$77,372	$6,448	$2,976	$1,488	$298	$37

Federal Rate

12.9%

State Rate

0.0%

Total Rate

20.6%

State-by-State Comparison

Same $97,430 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo TaxYou	$77,372	$20,058	20.6%
FLFloridaNo Tax	$77,372	$20,058	20.6%
WAWashingtonNo Tax	$77,372	$20,058	20.6%
NVNevadaNo Tax	$77,372	$20,058	20.6%
OHOhio	$75,465 -$1,907	$21,965 -$1,907/yr	22.5%
PAPennsylvania	$74,381 -$2,991	$23,049 -$2,991/yr	23.7%
GAGeorgia	$72,673 -$4,699	$24,757 -$4,699/yr	25.4%
ILIllinois	$72,669 -$4,703	$24,761 -$4,703/yr	25.4%
NYNew York	$72,574 -$4,798	$24,856 -$4,798/yr	25.5%
CACalifornia	$72,155 -$5,217	$25,275 -$5,217/yr	25.9%

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.

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Married filing jointly saves $5,273/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 $439/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 $97,430 salary · 2026 tax year

At a Glance

Annual Gross

$97,430

Annual Take-Home

$77,372

Monthly

$6,448

Bi-Weekly

$2,976

Weekly

$1,488

Hourly

$37.20

Federal Income Tax

$12,605

12.9% of gross

State Income Tax

No state income tax

FICA (SS + Medicare)

$7,453

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 $97,430 according to BLS data. After federal income tax, FICA, and Texas's zero state income tax, the estimated take-home is $77,372/year or $6,448/month.

The effective total tax rate is 20.6%. Compared to the national median ($99,710), Texas pays below average ($2,280 less/yr).