Indiana vs Texas Paycheck Comparison 2026
Annual salary
Annual salary
Additional options (filing status, deductions)
You take home $2,213/yr more in Texas
$184/mo · $85/paycheck more
$59,380/yr in Indiana vs $61,593/yr in Texas.
Indiana
Take-home per paycheck
$2,283.85
$59,380/yr · 26x/yr
Tax rates
Texas
Take-home per paycheck
$2,368.94
$61,593/yr · 26x/yr
Tax rates
Cost of living comparison
Cost of living in Indiana and Texas is about the same.
At a $75,000 salary, take-home pay of $59,380 in Indiana has the purchasing power of $59,119 in Texas terms.
After adjusting for cost of living, Texas comes out ahead by $2,474/yr.
Estimate based on 2026 tax rates and standard deductions. Does not include local taxes, itemized deductions, tax credits, or other individual circumstances.
Tax system comparison
Indiana: Indiana has a flat state income tax of 2.95%. All taxable income is taxed at the same rate.
Texas: Texas has no state income tax. Residents pay only federal income tax, Social Security, and Medicare.
Take-home pay at different salaries (single filer, 2026)
| Salary | Indiana take-home | Texas take-home | Difference |
|---|---|---|---|
| $50,000 | $40,880 | $42,355 | -$1,475 |
| $75,000 | $59,380 | $61,593 | -$2,212 |
| $100,000 | $76,230 | $79,180 | -$2,950 |
| $150,000 | $109,366 | $113,791 | -$4,425 |
| $200,000 | $143,027 | $148,927 | -$5,900 |
| $300,000 | $206,327 | $215,177 | -$8,850 |
Positive values mean higher take-home in Indiana. Assumes single filer, no deductions.
FAQ
Which state has lower taxes, Indiana or Texas?
At a $100,000 salary, Texas results in $2,950 more annual take-home pay. Indiana has a flat state income tax of 2.95%. All taxable income is taxed at the same rate. Texas has no state income tax. Residents pay only federal income tax, Social Security, and Medicare.
How much more do you take home in Texas vs the other state?
The difference depends on salary. At $50,000, the gap is $1,475/yr. At $150,000, it grows to $4,425/yr. At $300,000, the difference is $8,850/yr.
Do Indiana and Texas have the same federal taxes?
Yes. Federal income tax, Social Security, and Medicare are the same in every state. Only state income tax differs. This calculator shows the combined effect of federal and state taxes on your take-home pay.
Is it cheaper to live in Indiana or Texas?
Indiana is cheaper to live in. Cost of living in Indiana is 7% lower than in Texas. Indiana's Regional Price Parity is 90.6 and Texas's is 97.5 (US average = 100).
Is Indiana cheaper than Texas?
Yes. Indiana has a lower cost of living than Texas (index 90.6 vs 97.5). Housing is typically the biggest difference between the two states.
Is Texas more expensive than Indiana?
Yes. Texas has a higher cost of living (index 97.5) compared to Indiana (index 90.6). The national average is 100. Housing costs are typically the largest driver of the difference.
After cost of living, which state is actually cheaper?
At a $100,000 salary, take-home pay of $76,230 in Indiana has the purchasing power of $70,835 in Texas terms. Conversely, $79,180 in Texas equals $85,210 in Indiana terms. After adjusting for both taxes and cost of living, Texas comes out ahead.
Indiana vs Texas cost of living — what's the difference?
The overall cost of living is 7% different between Indiana and Texas. Living costs are 9% below the national average Living costs are about 3% below the national average After taxes and cost of living, Texas gives you more purchasing power on a $100,000 salary.
Related tools
- Indiana vs Texas Cost of Living — Compare housing, groceries, utilities, and overall expenses
- How much house can you afford in Indiana?
- How much house can you afford in Texas?
Indiana Paycheck Estimator · Texas Paycheck Estimator · All states