Illinois vs Texas Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $3,713 more a year in Texas than in Illinois ($309 a month).
Illinois
4.95% flat state income tax
$57,880
take-home on $75,000 · $4,823/month
45th of 51 states for take-home pay
Illinois paycheck calculator ›Texas
No state income tax on wages
$61,592
take-home on $75,000 · $5,133/month
1st of 51 states for take-home pay
Texas paycheck calculator ›Take-home pay in Illinois and Texas by salary
| Salary | Illinois | Texas | Difference |
|---|---|---|---|
| $40,000 | $32,340 | $34,320 | $1,980 more in Texas |
| $50,000 | $39,880 | $42,355 | $2,475 more in Texas |
| $60,000 | $47,420 | $50,390 | $2,970 more in Texas |
| $75,000 | $57,880 | $61,592 | $3,713 more in Texas |
| $100,000 | $74,230 | $79,180 | $4,950 more in Texas |
| $125,000 | $90,516 | $96,703 | $6,187 more in Texas |
| $150,000 | $106,366 | $113,791 | $7,425 more in Texas |
| $200,000 | $139,027 | $148,927 | $9,900 more in Texas |
Single filer, standard deduction, no local tax. To match $75,000 in Illinois you would need about $69,700 in Texas; to match $75,000 in Texas you would need about $80,700 in Illinois.
How Illinois and Texas tax wages
| 2026 | Illinois | Texas |
|---|---|---|
| Income tax | a flat 4.95% income tax | no state income tax |
| Top rate | 4.95% | 0% |
| Standard deduction | None (exemptions or credits only) | Not applicable |
| State tax on $75k | $3,713 (5.0%) | $0 (0.0%) |
| Local wage taxes | No | No |
| Reciprocity | Iowa, Kentucky, Michigan, Wisconsin | None |
Illinois vs Texas: FAQ
Does Illinois or Texas have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $3,713 more a year in Texas than in Illinois ($309 a month). Illinois has a flat 4.95% income tax for 2026. Texas has no state income tax.
What salary in Texas equals $75,000 in Illinois?
To take home the same $57,880 that $75,000 leaves in Illinois, you would need about $69,700 in Texas, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Texas than in Illinois?
At $150,000 the gap is $7,425 a year: $106,366 in Illinois versus $113,791 in Texas. With flat or no state tax, the gap grows roughly in line with salary.