Paycheck calculator › After taxes and rent › Austin

Take-home pay after taxes and rent in Austin (2026)

A typical one-bedroom in Austin rents for $1,562 a month (HUD FY2026 Fair Market Rent). On a $75,000 salary the take-home is $5,133 a month, which leaves $3,571 after rent — rent takes 30.4% of take-home (over the 30% guideline). To keep a one-bedroom at 30% of take-home you need to earn about $76,262 a year in Austin; a two-bedroom ($1,852) needs $92,751. The calculator is in reverse mode with that target.

Your pay

Gross pay

State

Filing status

401(k) / 403(b) %

Bonus (one-off)

Pre-tax deductions & HSA

Health premiums / yr

HSA / yr

Other pre-tax / yr

Custom local rate %

Age 50+ (401k catch-up) Family HSA limit

401(k) lowers income tax but not Social Security/Medicare. Health premiums and HSA through a cafeteria plan lower both.

W-4 details (2020 or later form)

Step 2: two jobs / spouse works

Step 3: dependents credit $

Step 4a: other income / yr

Step 4b: extra deductions / yr

Step 4c: extra withholding / check

Paychecks per year (for 4c)

Tax tables

Leave blank for standard withholding. Dependents: $2,000 per qualifying child, $500 per other dependent.

Take-home pay

$5,207

take-home pay a month

from a gross of $6,355

Effective tax rate 18.1%Marginal rate 29.7%Total taxes $13,782

Federal tax 10.4%FICA 7.6%Take-home 81.9%

Line	Monthly	Yearly
Gross pay	$6,355	$76,262
Federal income tax	−$662	−$7,948
Taxable income $60,162 = wages $76,262 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%).
Social Security (6.2%)	−$394	−$4,728
6.2% of $76,262.
Medicare (1.45%)	−$92	−$1,106
1.45% of $76,262.
Texas state income tax (none)	−$0	−$0
Texas has no state income tax on wages.
Take-home pay	$5,207	$62,480

What is left after rent in Austin, by salary

Salary	Take-home / mo	After studio ($1,474)	After 1-bed ($1,562)	After 2-bed ($1,852)	1-bed share
$40,000	$2,860	$1,386	$1,298	$1,008	54.6%
$50,000	$3,530	$2,056	$1,968	$1,678	44.3%
$60,000	$4,199	$2,725	$2,637	$2,347	37.2%
$70,000	$4,840	$3,366	$3,278	$2,988	32.3%
$75,000	$5,133	$3,659	$3,571	$3,281	30.4%
$80,000	$5,426	$3,952	$3,864	$3,574	28.8%
$90,000	$6,012	$4,538	$4,450	$4,160	26.0%
$100,000	$6,598	$5,124	$5,036	$4,746	23.7%
$120,000	$7,771	$6,297	$6,209	$5,919	20.1%
$150,000	$9,483	$8,009	$7,921	$7,631	16.5%

Rents are HUD Fair Market Rents for FY2026 (the 40th-percentile gross rent, utilities included, for the metro area — a modest, typical unit, not a luxury one). Take-home is for a single filer with no pre-tax deductions, 2026 tables, city tax where it applies. The 30% rule compares rent with take-home pay, not gross.

Salary needed to afford rent in Austin

Unit	HUD FMR / mo	Take-home needed / mo	Salary needed / yr	Hourly (40 h)
Studio	$1,474	$4,913	—	—
One bedroom	$1,562	$5,207	$76,262	$36.66
Two bedrooms	$1,852	$6,173	$92,751	$44.59
Three bedrooms	$2,347	$7,823	—	—

Austin paycheck calculator · All cities after rent

Frequently asked

How much do I need to make to live in Austin?

About $76,262 a year for a one-bedroom at 30% of take-home ($92,751 for a two-bedroom), before other costs. HUD's FY2026 Fair Market Rent for a one-bedroom is $1,562.

Is $75,000 enough to live in Austin?

After taxes it is $5,133 a month; a typical one-bedroom leaves $3,571 for everything else, so rent is 30.4% of take-home.

Where do the rents come from?

HUD Fair Market Rents, FY2026: the 40th-percentile gross rent (with utilities) for the metro area, published yearly and refreshed here automatically every October.