Texas
$28,060
Combined bill · #9 of 9
- Paycheck tax
- $20,820
- Take-home
- $79,180
- Property tax
- $5,600
- Sales tax
- $1,640
- COL index
- 90.7
- Share of wages
- 28.1%
Compare different states
2026 · no wage PIT
2026 · no wage PITTexas vs Florida no income tax
Florida keeps the modeled household bill about $2,724 lower than Texas. Neither state taxes wages. One fixed household — single filer, $100,000 wages, $400,000 home, $20,000 of taxable spending — so property and sales decide the gap (paycheck tax is tied).
By Sammy S. · Founder · AuthorUpdated for 2026
Lower combined household bill
Florida is less taxed
About $2,724 less per year — roughly $227 a month on identical assumptions.
Side-by-side household scoreboard
Florida
$25,336
Combined bill · #5 of 9
- Paycheck tax
- $20,820
- Take-home
- $79,180
- Property tax
- $3,120
- Sales tax
- $1,396
- COL index
- 100.7
- Share of wages
- 25.3%
Line-by-line ladder
Every row uses the same household. The gap column is the annual difference between Texas and Florida.
| Line | Texas | Florida | Gap |
|---|---|---|---|
| Paycheck tax (federal + FICA + PFML) | $20,820 | $20,820 | $0 |
| Property tax ($400,000 home) | $5,600 | $3,120 | $2,480 |
| Sales tax ($20,000 basket) | $1,640 | $1,396 | $244 |
| Combined household bill | $28,060 | $25,336 | $2,724 |
| Take-home on $100,000 | $79,180 | $79,180 | $0 |
| COL index | 90.7 | 100.7 | 10 |
| Share of gross wages | 28.1% | 25.3% | 2.7 pts |
Paycheck tax (federal + FICA + PFML)
Texas$20,820
Florida$20,820
Gap $0
Property tax ($400,000 home)
Texas$5,600
Florida$3,120
Gap $2,480
Sales tax ($20,000 basket)
Texas$1,640
Florida$1,396
Gap $244
Combined household bill
Texas$28,060
Florida$25,336
Gap $2,724
Take-home on $100,000
Texas$79,180
Florida$79,180
Gap $0
COL index
Texas90.7
Florida100.7
Gap 10
Share of gross wages
Texas28.1%
Florida25.3%
Gap 2.7 pts
Same pair at every preset salary
Home value and taxable spending stay fixed, so the movement here comes from paycheck tax.
$75,000 wages
- Texas
- $20,648
- Florida
- $17,924
Florida lower by $2,724
$100,000 wages
- Texas
- $28,060
- Florida
- $25,336
Florida lower by $2,724
$150,000 wages
- Texas
- $43,449
- Florida
- $40,725
Florida lower by $2,724
Paycheck
Neither state taxes wages. Paycheck tax is tied on this vignette (federal income tax and FICA only).
Property
1.40% in Texas vs 0.78% in Florida on the same $400,000 home — $2,480 apart.
Sales
8.20% vs 6.98% combined on $20,000 of purchases — $244 apart.
Key takeaways — Texas vs Florida
- Neither Texas nor Florida levies a wage income tax in 2026.
- Florida is lower overall: $25,336 vs $28,060 — $2,724 a year ($227 a month).
- Paycheck tax: $20,820 in Texas vs $20,820 in Florida (tied on this vignette).
- Property: $5,600 (1.40%) vs $3,120 (0.78%) — $2,480 apart.
- Sales: $1,640 (8.20%) vs $1,396 (6.98%) — $244 apart.
- COL index: 90.7 in Texas vs 100.7 in Florida — 10 points apart.
- Among the nine no-wage-PIT states, household totals run from $24,018 (Wyoming) to $28,060 (Texas).
Texas vs Florida with no wage income tax (2026)
Both states are on the nine-state list. This page holds the household constant — $100,000 single-filer wages, a $400,000 home, $20,000 of taxable spending — then adds paycheck tax, property tax, and sales tax so neither state can look cheaper just by skipping wage PIT.
Florida models the lower total by $2,724 a year. Read the line items — the winner often wins on property or sales, not on the paycheck.
Texas does not tax wages. On this vignette it has the highest combined household bill among the nine: high property tax plus combined sales tax. New Hampshire’s property rate is higher, but New Hampshire has no general sales tax. Florida does not tax wages. Sales and property still apply on the household vignette.
How Texas and Florida split the bill
Texas: $20,820 paycheck, $5,600 property, $1,640 sales. Florida: $20,820 paycheck, $3,120 property, $1,396 sales.
Take-home matches at $79,180 — federal income tax and FICA are the same, and neither state adds wage PIT.
As a share of wages the combined bill is 28.1% in Texas vs 25.3% in Florida.
Tax total vs cost of living
Texas’s COL index is 90.7; Florida’s is 100.7 (US average = 100). A lower household tax total can still sit in a more expensive grocery and rent basket.
Among the nine, Tennessee has the lowest COL index (88.9) and Alaska the highest (129).
Use the tax columns to compare levies and the COL column to compare prices. They answer different questions.
What this comparison leaves out
Local city wage taxes are not in play here (none of the nine models a separate city PIT on this vignette). Employer payroll taxes, credits beyond calculator defaults, and Washington’s capital gains excise on certain long-term gains are excluded from the wage household total.
Property uses a statewide effective rate on a fixed $400,000 home — not your county millage or purchase price. Sales tax uses a combined state + average local rate on a fixed $20,000 basket.
The nine-state range at $100,000 is $24,018 (Wyoming) to $28,060 (Texas).
The same pair at other salaries
Home value and spending stay fixed, so the ladder mostly moves with paycheck tax. At $75,000, Florida is lower by $2,724. At $150,000, Florida is lower by $2,724.
If you itemize, buy a different-priced home, or spend more on taxable goods, reorder the pair in the property and sales hubs rather than treating this ladder as a forecast.
Concepts to know for this comparison
Short definitions so the wage, property, sales, and COL lines add up the way you expect.
Wage PIT is already zero
The interesting gap is property, sales, and (for Washington) modeled employee PFML — not a state wage bracket.
Household total
Add paycheck tax, property on $400,000, and sales on $20,000. That is the ranking metric on the hub.
COL index
A separate price index. It does not change the tax dollars in the scoreboard.
Myths vs facts — Texas vs Florida
Texas must be cheaper because both skip income tax.
Florida is lower on this vignette by $2,724. The other state still has no wage PIT.
Take-home is always identical across no-tax states.
It is identical on this pair ($79,180). Other nine-state pairs involving Washington are not.
Who this Texas vs Florida page helps
Useful if…
- •Choosing between Texas and Florida after already deciding on a no-wage-PIT state
- •Remote workers comparing Texas vs Florida vs Nevada-style forks
- •Retirees who need property and sales, not a wage bracket
Use a fuller model if…
- •Anyone whose home price is far from the vignette value
- •People with large capital gains considering Washington
- •Moves that still involve a high-tax origin — use the all-50 compare ladder too
Common mistakes reading this pair
- Treating the lower COL state as automatically lower-tax
- Using the $400,000 home as your actual bill
- Ignoring Washington employee PFML when Washington is one side
- Forgetting federal tax still applies in Texas and Florida
Texas vs Florida checklist
Before treating the household total as a relocation decision.
- 1Confirm both Texas and Florida are no-wage-PIT states
- 2Read paycheck, property, and sales — not only take-home
- 3Check COL indexes on the scoreboard
- 4Re-run property tax at your purchase price
- 5Open the reverse pair if you are moving the other direction
Texas vs Florida no-income-tax FAQs
Neither does. Both are on the nine-state list. The comparison is property, sales, modeled payroll, and cost of living — not a wage PIT gap.
Florida is lower by about $2,724 a year on this vignette ($28,060 vs $25,336).
Texas: property $5,600 (1.40%), sales $1,640 (8.20%). Florida: property $3,120 (0.78%), sales $1,396 (6.98%).
Texas is #9 and Florida is #5 of 9 on combined household tax (lowest bill = #1).
Yes — on US state tax compare and household tax by state. This hub’s pair form is the nine no-wage-PIT states only.
Compare another pair
Compare two of the nine
Combined wage, property, and sales tax on the $100,000 household vignette.
Related no-income-tax comparisons
Related tools
Estimates for one fixed household, 2026 rules. Statewide average property and sales rates — local wage taxes, city levies, Washington capital gains excise, credits, and itemized deductions are excluded. Not tax advice.