How much does a Bill and Account Collectors actually take home in Texas?
No state income tax — 14.7% 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 Bill and Account Collectors earning $39,830 in Texas (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $39,830 | — |
| Federal Income Tax | -$2,795 | 7.0% |
| Texas State Income Tax | -$0 | 0.0% |
| Social Security (OASDI) | -$2,469 | 6.2% |
| Medicare | -$577 | 1.5% |
| Total Taxes | -$5,842 | 14.7% |
| Take-Home Pay | $33,987 | 85.3% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Bill and Account Collectors in Texas.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $29,470 | -$3,806 | $25,663 | 12.9% |
| 25th Percentile (P25) | $34,400 | -$4,775 | $29,624 | 13.9% |
| Median (P50) | $39,830 | -$5,842 | $33,987 | 14.7% |
| 75th Percentile (P75) | $48,670 | -$7,579 | $41,090 | 15.6% |
| 90th Percentile (P90) | $59,560 | -$9,719 | $49,840 | 16.3% |
Texas has no state income tax, which means a Bill and Account Collectors keeps $33,987 of their $39,830 salary — 85.3% 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 Bill and Account Collectors keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Texas ranks #31 out of 51 states for Bill and Account Collectors after-tax take-home pay.
A Bill and Account Collectors in Texas earning a median salary of $39,830 will take home approximately $33,987 per year after federal income tax ($2,795), state income tax ($0), and FICA ($3,046). That is $2,832 per month or $1,307 per bi-weekly paycheck.
The effective total tax rate for a Bill and Account Collectors in Texas is 14.7%, broken down as: federal income tax 7.0%, 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 Bill and Account Collectors 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 14.7%.
After all taxes, a Bill and Account Collectors in Texas takes home approximately $2,832 per month, or about $16.34 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 $39,830 for Bill and Account Collectors 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 — $33,987/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