Working full time at $12 an hour ($24,960 a year) in Texas, a single filer takes home about $22,165 a year, $1,847 a month or $10.66 an hour, after federal tax, FICA and no Texas income tax on wages.
#9 of 51for take-home at this pay
Where the money goes
Breakdown
| Yearly | Monthly | |
|---|---|---|
| Gross pay | $24,960 | $2,080 |
| Federal income tax | $886 | $74 |
| Social Security (6.2%) | $1,548 | $129 |
| Medicare | $362 | $30 |
| Texas income tax | $0 | $0 |
| Take-home | $22,165 | $1,847 |
| Federal marginal rate | 10% | |
| Texas marginal rate | 0.00% |
Same pay in other states
Highest take-home at this pay: Alaska. Middle: South Carolina. Lowest: Oregon.
Your tax bracket at this pay
Your federal taxable income is about $8,860 (after the $16,100 standard deduction), which puts the top slice of your pay in the 10% bracket ($0 to $12,400). You have about $3,540 of room before the next dollar is taxed at 12%. Only that top slice is taxed at 10%: your average federal rate is 3.5%, and all taxes together (federal, FICA) take 11.2% of gross pay. A $1,000 raise would add about $824 to your take-home.
| Federal bracket | Your income in it | Tax |
|---|---|---|
| 10% on $0–$12,400 | $8,860 | $886 |
| Rate | Federal | Combined with state and FICA |
|---|---|---|
| Marginal (next dollar) | 10% | 17.6% |
| Effective (average) | 3.5% | 11.2% |
Compared with the Texas median
$24,960 is 32% of the Texas median household income of $78,476 (Census ACS 2020–2024 median; households can have more than one earner, so a single salary is not directly comparable).
Affordability snapshot
| Amount | |
|---|---|
| Rent budget (30% of gross) | $624/mo |
| Home price at 30% of gross (10% down) | $80,000 |
| Texas median home value | $283,800 (Census 2020–2024) |
Rule of thumb only: housing at 30% of gross monthly pay. Home price assumes a 30-year fixed at the Freddie Mac average of 7.40% (week of 2026-10-15), 10% down, the Texas median effective property tax rate and about 0.35% a year for insurance. Lenders also weigh debts, credit and PMI.
401(k) and HSA effect
| Contribution | Saved | Take-home cut | Tax saved |
|---|---|---|---|
| 6% to a 401(k) ($1,498/yr) | $1,498 | $1,348 | $150 |
| Max HSA, self-only ($4,400, via payroll) | $4,400 | $3,623 | $777 |
Pre-tax 401(k) deferrals cut federal income tax but not Social Security or Medicare; payroll HSA contributions also skip FICA. 2026 limits: 401(k) $24,500 (under 50), HSA $4,400 self-only (IRS).
What applies at this income
- All of your taxable income sits in the lowest 10% federal bracket.
- You are under the 2026 Roth IRA income limit for single filers ($153,000 of modified AGI), so you can contribute the full amount.
- Maxing out a 401(k) ($24,500) would take more than half your gross pay at this level, so most people here contribute a percentage instead.
- Texas doesn't tax wages, so each raise is taxed only by the IRS and FICA.
Texas jobs that typically pay about $24,960
$24,960 is above the median pay of 4 of the 100 common occupations we track in Texas (BLS OEWS, May 2025). These have a Texas median between $23,920 and $26,000:
| Occupation | Texas median | vs this pay |
|---|---|---|
| Home Health and Personal Care Aides | $24,230 | −$730 |
Nationally, jobs paying about $24,960
Fewer Texas occupations land in this pay range, so here is where it sits in US-wide pay (BLS OEWS, May 2025):
| Occupation | US percentile | US pay |
|---|---|---|
| Childcare Workers | 10th | $24,260 |
Where $24,960 lands inside other Texas jobs
for 6, it is entry-level pay (10th–25th percentile).
| Occupation | Percentile | Texas pay at that percentile |
|---|---|---|
| Teaching Assistants | 25th | $24,210 |
| General Office Clerks | 10th | $24,570 |
| Receptionists and Information Clerks | 10th | $24,700 |
| Cooks, Institution and Cafeteria | 10th | $24,770 |
| Dishwashers | 25th | $25,610 |
| Cashiers | 25th | $25,820 |
Previous and next pay level
Related
- $10 an hour in Texas$1,562/mo
- $11 an hour in Texas$1,704/mo
- $13 an hour in Texas$1,990/mo
- $14 an hour in Texas$2,131/mo
- Texas income tax brackets2026
- Minimum wage in Texas2026
- Texas property taxby county
Single filer, W-2 wages only; 2026 IRS brackets and $16,100 standard deduction, FICA (Social Security to $184,500, Medicare +0.9% over $200,000) and state rules per the Tax Foundation (Jan 1, 2026). Local taxes and payroll deductions are excluded. Sources: IRS, SSA, Tax Foundation. Not tax advice.
Frequently asked questions
How much is $12 an hour after taxes in Texas?
Working full time at $12 an hour ($24,960 a year) in Texas, a single filer takes home about $22,165 a year, $1,847 a month or $10.66 an hour, after federal tax, FICA and no Texas income tax on wages.
How much is $12 an hour per month after taxes in Texas?
About $1,847 a month, or $852 per biweekly paycheck.
How much state tax do I pay on $12 an hour in Texas?
None. Texas doesn't tax wages.