Last updated: 2025 BLS data · Page refreshed:
How much does a Occupational Therapists actually take home in Texas?
No state income tax — 22.0% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Occupational Therapists earning $106,140 in Texas (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $106,140 | — |
| Federal Income Tax | -$15,191 | 14.3% |
| Texas State Income Tax | -$0 | 0.0% |
| Social Security (OASDI) | -$6,580 | 6.2% |
| Medicare | -$1,539 | 1.4% |
| Total Taxes | -$23,311 | 22.0% |
| Take-Home Pay | $82,828 | 78.0% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Occupational Therapists in Texas.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $76,350 | -$14,478 | $61,871 | 19.0% |
| 25th Percentile (P25) | $85,810 | -$17,283 | $68,526 | 20.1% |
| Median (P50) | $106,140 | -$23,311 | $82,828 | 22.0% |
| 75th Percentile (P75) | $127,830 | -$29,996 | $97,833 | 23.5% |
| 90th Percentile (P90) | $135,200 | -$32,329 | $102,870 | 23.9% |
Texas has no state income tax, which means a Occupational Therapists keeps $82,828 of their $106,140 salary — 78.0% of gross pay. Only federal income tax and FICA reduce the paycheck, making Texas one of the most tax-friendly states for this occupation.
With an effective total rate of 22.0%, a Occupational Therapists in Texas keeps $82,828 of $106,140 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Texas is one of the few states with zero state income tax for wage earners. For a Occupational Therapists, 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 income tax ($15,192) accounts for 65% of the total tax bill — the single largest deduction. FICA adds $8,120 (35%), and state tax the remaining $0 (0%).
For Occupational Therapists after-tax pay, Texas ranks #4 of 51 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $82,828 net/year works out to $6,902/month or $3,186/bi-weekly for this Occupational Therapists in Texas — the numbers that actually hit a checking account after every deduction.
Where does a Occupational Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Texas ranks #4 out of 51 states for Occupational Therapists after-tax take-home pay.
A Occupational Therapists in Texas earning a median salary of $106,140 will take home approximately $82,828 per year after federal income tax ($15,191), state income tax ($0), and FICA ($8,119). That is $6,902 per month or $3,185 per bi-weekly paycheck.
The effective total tax rate for a Occupational Therapists in Texas is 22.0%, broken down as: federal income tax 14.3%, 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 Occupational Therapists 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 22.0%.
After all taxes, a Occupational Therapists in Texas takes home approximately $6,902 per month, or about $39.82 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 $106,140 for Occupational Therapists 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 — $82,828/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