Last updated: 2025 BLS data · Page refreshed:
How much does a Bill and Account Collectors actually take home in Texas?
No state income tax — 15.3% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Bill and Account Collectors earning $45,710 in Texas (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $45,710 | — |
| Federal Income Tax | -$3,501 | 7.7% |
| Texas State Income Tax | -$0 | 0.0% |
| Social Security (OASDI) | -$2,834 | 6.2% |
| Medicare | -$662 | 1.5% |
| Total Taxes | -$6,998 | 15.3% |
| Take-Home Pay | $38,711 | 84.7% |
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) | $30,730 | -$4,054 | $26,675 | 13.2% |
| 25th Percentile (P25) | $37,520 | -$5,388 | $32,131 | 14.4% |
| Median (P50) | $45,710 | -$6,998 | $38,711 | 15.3% |
| 75th Percentile (P75) | $52,580 | -$8,347 | $44,232 | 15.9% |
| 90th Percentile (P90) | $60,130 | -$9,831 | $50,298 | 16.4% |
Texas has no state income tax, which means a Bill and Account Collectors keeps $38,711 of their $45,710 salary — 84.7% of gross pay. Only federal income tax and FICA reduce the paycheck, making Texas one of the most tax-friendly states for this occupation.
A Bill and Account Collectors in Texas faces an effective total tax rate of only 15.3%, keeping 84.7% of every gross dollar. That leaves $38,712 net out of $45,710 gross — a favorable outcome compared to states with combined rates above 30%.
Texas is one of the few states with zero state income tax for wage earners. For a Bill and Account Collectors, that means the only deductions are federal income tax and FICA — no additional state withholding. This typically adds several thousand dollars per year compared to comparable states with income tax.
Federal tax on this Bill and Account Collectors salary is $3,501 (50%), but combined state ($0, 0%) + FICA ($3,497, 50%) make up the other 50% of the bill.
Texas ranks #21 of 51 states for Bill and Account Collectors after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $38,712 net/year works out to $3,226/month or $1,489/bi-weekly for this Bill and Account Collectors in Texas — the numbers that actually hit a checking account after every deduction.
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 #21 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 $45,710 will take home approximately $38,711 per year after federal income tax ($3,501), state income tax ($0), and FICA ($3,496). That is $3,226 per month or $1,488 per bi-weekly paycheck.
The effective total tax rate for a Bill and Account Collectors in Texas is 15.3%, broken down as: federal income tax 7.7%, Texas state tax 0.0%, and FICA (Social Security + Medicare) 7.7%. 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 15.3%.
After all taxes, a Bill and Account Collectors in Texas takes home approximately $3,226 per month, or about $18.61 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 2025 BLS median salary of $45,710 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 — $38,711/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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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