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

Est. wage: $238,380/year → Take-home: $175,553/year ($14,629/mo)

✓ Texas has no state income tax

City Median Wage

$238,380

+$0 vs national

Annual Take-Home

$175,553

Monthly Take-Home

$14,629

Effective Tax Rate

26.4%

Full Tax Breakdown — $238,380 in Houston

Annual Take-Home$175,553After all taxes

Monthly$14,629Net per month

Bi-Weekly$6,752Every 2 weeks

Effective Tax Rate26.4%Fed + state + FICA

Where Your Money Goes

26.4%effective rate

Take-Home$175,55373.6%

Federal Tax$47,58620.0%

FICA$15,2416.4%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$12,166

24%

$23,058

32%

$6,562

Affordability Snapshot

Based on your $14,629/mo take-home — 50/30/20 rule

Needs (50%)$7,315/mo

Rent, groceries, utilities, transport

Wants (30%)$4,389/mo

Dining, entertainment, hobbies

Savings (20%)$2,926/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$4,389/mo

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

Annual Savings Potential

$35,111

Daily Take-Home

$675

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$238,380	$19,865	$9,168	$4,584	$917	$115
Federal Income Tax	−$47,586	−$3,965	−$1,830	−$915	−$183	−$23
State Income Tax	$0	$0	$0	$0	$0	$0
Social Security	−$11,439	−$953	−$440	−$220	−$44	−$6
Medicare	−$3,802	−$317	−$146	−$73	−$15	−$2
Total Taxes	−$62,827	−$5,236	−$2,416	−$1,208	−$242	−$30
Take-Home Pay	$175,553	$14,629	$6,752	$3,376	$675	$84

Federal Rate

20.0%

State Rate

0.0%

Total Rate

26.4%

State-by-State Comparison

Same $238,380 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo TaxYou	$175,553	$62,827	26.4%
FLFloridaNo Tax	$175,553	$62,827	26.4%
NVNevadaNo Tax	$175,553	$62,827	26.4%
WAWashingtonNo Tax	$172,682 -$2,872	$65,698 -$2,872/yr	27.6%
OHOhio	$169,780 -$5,773	$68,600 -$5,773/yr	28.8%
PAPennsylvania	$168,068 -$7,485	$70,312 -$7,485/yr	29.5%
ILIllinois	$163,898 -$11,655	$74,482 -$11,655/yr	31.2%
GAGeorgia	$163,804 -$11,749	$74,576 -$11,749/yr	31.3%
NYNew York	$161,944 -$13,610	$76,436 -$13,610/yr	32.1%
CACalifornia	$154,376 -$21,177	$84,004 -$21,177/yr	35.2%

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 $13,147/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 $1,096/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 $238,380 salary · 2026 tax year

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

Based on BLS metro area wage data, a physician (general practice) in Houston earns approximately $238,380/year — $0 above the national median of $238,380. After federal income tax, FICA, and no state income tax, the estimated take-home is $175,553/year or $14,629/month.