Texas
Texas does not tax wage income. Your state income tax line is $0, so only federal tax and FICA reduce your paycheck.
Estimated state income tax at $75,000.00: $0.00.
2026 tax year · TX vs IL
Texas vs Illinois Paycheck Comparison
At $75,000.00 of gross pay, our estimate shows $61,592.50 of take-home pay in Texas and $58,024.79 in Illinois. Texas leaves $3,567.71 more per year, or $297.31 more per month.
Same salary, different state tax
This comparison uses a single filer with $75,000.00 of annual gross wages and no pre-tax contributions. Federal income tax and FICA are identical in both states, so the entire take-home gap comes from state income tax.
| Line | Texas | Illinois |
|---|---|---|
| Gross annual pay | $75,000.00 | $75,000.00 |
| Federal income tax | $7,670.00 | $7,670.00 |
| State income tax | $0.00 | $3,567.71 |
| Social Security + Medicare | $5,737.50 | $5,737.50 |
| Total tax | $13,407.50 | $16,975.21 |
| Estimated take-home pay | $61,592.50 | $58,024.79 |
| Monthly take-home pay | $5,132.71 | $4,835.40 |
| Effective tax rate | 17.88% | 22.63% |
Texas vs Illinois at other salaries
The dollar gap grows as income rises when one state uses graduated brackets and the other does not. Here is the same comparison at four common salary levels:
| Gross salary | Texas | Illinois | Annual difference | Higher take-home |
|---|---|---|---|---|
| $50,000.00 | $42,355.00 | $40,024.79 | $2,330.21 | Texas |
| $75,000.00 | $61,592.50 | $58,024.79 | $3,567.71 | Texas |
| $100,000.00 | $79,180.00 | $74,374.79 | $4,805.21 | Texas |
| $150,000.00 | $113,791.00 | $106,510.79 | $7,280.21 | Texas |
Single filer, no pre-tax contributions. Local income taxes and cost of living are excluded.
Why Texas and Illinois produce different paychecks
Illinois
Illinois uses a flat 4.95% wage income tax in 2026. The state standard deduction used here is $2,925.00 for a single filer.
Estimated state income tax at $75,000.00: $3,567.71.
At this salary, the estimated state income tax is $0.00 in Texas and $3,567.71 in Illinois. The difference of $3,567.71 is the same as the take-home gap, because federal tax and FICA do not change when you cross a state line.
What this comparison does not include
- Local city and county income taxes, unless noted above.
- Property tax, sales tax, rent, commuting costs, and cost of living.
- Your W-4 elections and your employer's exact withholding tables.
- Credits, itemized deductions, and income outside your salary.
- Wage garnishments, union dues, and post-tax deductions.
A lower state income tax does not automatically mean a better financial outcome. Compare housing, property tax, sales tax, and commuting costs before using this estimate to decide on a move.
Official state tax sources
This estimate uses the 2026 federal rules and the Tax Foundation, State Individual Income Tax Rates and Brackets, 2026. For current forms, withholding tables, and local rules, check each state's official tax agency.
- Texas: Texas Comptroller of Public Accounts
- Illinois: Illinois Department of Revenue
Last reviewed: 2026-02-11 · Tax year 2026.
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Answers
Frequently asked questions
How much difference does state tax make at 75,000?
At 75,000 of gross pay, Texas leaves about $3,567.71 more per year, or $297.31 more per month. The gap comes from state income tax; federal income tax and FICA are the same in both states.
Does Texas or Illinois have a state income tax?
Texas does not tax wage income. Illinois uses a flat 4.95% wage tax. At 75,000, the estimated state income tax is $0.00 in Texas and $3,567.71 in Illinois.
Does this Texas vs Illinois comparison include local taxes?
No. The comparison includes federal income tax, Social Security, Medicare, and state income tax. City, county, and local income taxes are excluded unless a state note says otherwise.
How do I compare my own salary in Texas and Illinois?
Open the interactive state comparison tool, choose both states, and enter your annual gross salary. You can also add a 401(k) percentage and pre-tax health contributions.
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