Physician (General Practice) Salary After Tax in Austin (2026)

Est. wage: $239,200/year → Take-home: $176,092/year ($14,674/mo)

✓ Texas has no state income tax

City Median Wage

$239,200

+$820 vs national

Annual Take-Home

$176,092

Monthly Take-Home

$14,674

Effective Tax Rate

26.4%

Full Tax Breakdown — $239,200 in Austin

Annual Take-Home$176,092After all taxes

Monthly$14,674Net per month

Bi-Weekly$6,773Every 2 weeks

Effective Tax Rate26.4%Fed + state + FICA

Where Your Money Goes

26.4%effective rate

Take-Home$176,09273.6%

Federal Tax$47,84820.0%

FICA$15,2606.4%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$12,166

24%

$23,058

32%

$6,824

Affordability Snapshot

Based on your $14,674/mo take-home — 50/30/20 rule

Needs (50%)$7,337/mo

Rent, groceries, utilities, transport

Wants (30%)$4,402/mo

Dining, entertainment, hobbies

Savings (20%)$2,935/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$4,402/mo

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

Annual Savings Potential

$35,218

Daily Take-Home

$677

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$239,200	$19,933	$9,200	$4,600	$920	$115
Federal Income Tax	−$47,848	−$3,987	−$1,840	−$920	−$184	−$23
State Income Tax	$0	$0	$0	$0	$0	$0
Social Security	−$11,439	−$953	−$440	−$220	−$44	−$6
Medicare	−$3,821	−$318	−$147	−$73	−$15	−$2
Total Taxes	−$63,108	−$5,259	−$2,427	−$1,214	−$243	−$30
Take-Home Pay	$176,092	$14,674	$6,773	$3,386	$677	$85

Federal Rate

20.0%

State Rate

0.0%

Total Rate

26.4%

State-by-State Comparison

Same $239,200 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo TaxYou	$176,092	$63,108	26.4%
FLFloridaNo Tax	$176,092	$63,108	26.4%
NVNevadaNo Tax	$176,092	$63,108	26.4%
WAWashingtonNo Tax	$173,215 -$2,877	$65,985 -$2,877/yr	27.6%
OHOhio	$170,296 -$5,796	$68,904 -$5,796/yr	28.8%
PAPennsylvania	$168,581 -$7,511	$70,619 -$7,511/yr	29.5%
ILIllinois	$164,396 -$11,696	$74,804 -$11,696/yr	31.3%
GAGeorgia	$164,300 -$11,792	$74,900 -$11,792/yr	31.3%
NYNew York	$162,426 -$13,666	$76,774 -$13,666/yr	32.1%
CACalifornia	$154,827 -$21,264	$84,373 -$21,264/yr	35.3%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,600/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 $13,237/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 $1,103/month to your take-home.

🏥

An HSA could save $1,511/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 $1,511 in federal and state taxes — a triple tax advantage.

Results for $239,200 salary · 2026 tax year

What does a Physician (General Practice) earn after taxes in Austin?

Based on BLS metro area wage data, a physician (general practice) in Austin earns approximately $239,200/year — $820 above the national median of $238,380. After federal income tax, FICA, and no state income tax, the estimated take-home is $176,092/year or $14,674/month.