How much does a Medical Records Specialists actually take home in Texas?
No state income tax — 15.2% effective total tax rateData: BLS OEWS 2024 + IRS/State Tax Brackets 2024 • Updated 2026-04-06
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Detailed line-by-line tax calculation for a Medical Records Specialists earning $44,180 in Texas (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $44,180 | — |
| Federal Income Tax | -$3,317 | 7.5% |
| Texas State Income Tax | -$0 | 0.0% |
| Social Security (OASDI) | -$2,739 | 6.2% |
| Medicare | -$640 | 1.5% |
| Total Taxes | -$6,697 | 15.2% |
| Take-Home Pay | $37,482 | 84.8% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Medical Records Specialists in Texas.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $31,090 | -$4,125 | $26,964 | 13.3% |
| 25th Percentile (P25) | $36,410 | -$5,170 | $31,239 | 14.2% |
| Median (P50) | $44,180 | -$6,697 | $37,482 | 15.2% |
| 75th Percentile (P75) | $56,430 | -$9,104 | $47,325 | 16.1% |
| 90th Percentile (P90) | $68,510 | -$12,154 | $56,355 | 17.7% |
Texas has no state income tax, which means a Medical Records Specialists keeps $37,482 of their $44,180 salary — 84.8% of gross pay. Only federal income tax and FICA reduce the paycheck, making Texas one of the most tax-friendly states for this occupation.
Where does a Medical Records Specialists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Texas ranks #40 out of 51 states for Medical Records Specialists after-tax take-home pay.
A Medical Records Specialists in Texas earning a median salary of $44,180 will take home approximately $37,482 per year after federal income tax ($3,317), state income tax ($0), and FICA ($3,379). That is $3,123 per month or $1,441 per bi-weekly paycheck.
The effective total tax rate for a Medical Records Specialists in Texas is 15.2%, broken down as: federal income tax 7.5%, Texas state tax 0.0%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
No, Texas does not levy a state income tax on wages. This means a Medical Records Specialists in Texas only pays federal income tax and FICA taxes, resulting in a lower overall tax burden compared to most other states. The total effective rate is 15.2%.
After all taxes, a Medical Records Specialists in Texas takes home approximately $3,123 per month, or about $18.02 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2024 BLS median salary of $44,180 for Medical Records Specialists in Texas, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Texas state income tax (no state income tax), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $37,482/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR