Live in Texas, work in Florida
State income tax on wages · single filer · tax year 2026
Florida takes
$0
on wages earned there
Texas takes
$0
after the credit it gives
Both together
$0
state tax for the year
Cost of the line
$0
a year, above working at home
What crossing the line costs
no work-state taxFlorida has no income tax, so only Texas taxes this pay. Solid is what you actually pay; the faded part of the Texas bar is the credit it hands back. State income tax only — federal and payroll tax apply on top, and a city wage tax may too.
Which state taxes you, and what it costs
- People move jobs to Florida expecting the tax to disappear. It does not, not while you live in Texas. Your home state taxes what you earn anywhere, and Florida charging nothing simply means there is nothing to set against it. The year comes to $0, all of it to Texas.
- Plenty of states feed workers into Florida — 6 of them at this scale. Texas is number 4, with 6,497 jobs. You will not be the first person at your employer to have filed as an out-of-state worker.
- Florida levies no individual income tax, so a commuter into it is taxed by Texas alone, on the whole of the wages, at $0 for the reference salary. ⛔ The common expectation — that working in a state without an income tax removes the tax — is exactly backwards for a commuter: residence is what gives Texas its claim, and that claim reaches income wherever it is earned. There is no work-state liability to credit against it, so nothing offsets the Texas bill. The only version of this that changes the answer is moving.
- Florida draws commuters of this scale from 6 states, and Texas ranks number 4 among them with 6,497 jobs. A work state pulling from that many directions tends to have a well-established non-resident filing routine, which is a practical convenience rather than a tax saving.
Where the money goes
A $75,000 salary
- Federal income tax$7,670
- Social Security and Medicare$5,738
- Yours$61,593
| Federal income tax10.23% | $7,670 |
|---|---|
| Social Security and Medicare7.65% | $5,738 |
| Yours82.12% | $61,593 |
Which rung you are on
A $75,000 salary
| This rung starts at | $66,500 |
|---|---|
| Next rung starts at | $121,800 |
| Room before it | $46,800 |
Federal only, measured on gross pay — so the first rung is what the standard deduction covers.
The arithmetic, step by step
| Florida takes, on wages earned there | $0 |
|---|---|
| Texas charges its residents | $0 |
| Less the credit Texas gives | $0 |
| Total state tax | $0 |
| If you also worked in Texas | $0 |
| Difference | $0 |
On a reference salary of $60,000 a year, single filer. Both states run progressive schedules, so the figures do not simply scale — use the tool above for your own salary.
What this page does not cover
- City wage taxes are not in these numbers. A few places charge them, and where they do the money is real. If your job in Florida is inside a city that taxes workers, add that on top. Where it is not, the state figures above are the whole of it for Texas residents.
- The figures take the simple case: one job, in Florida, worked in person. Money from several states makes the credit a proportion instead of a cap. Working remotely from Texas can pull you under a different rule entirely, depending on the state.
- Every dollar figure here uses a salary of sixty thousand a year. It is a stated benchmark, not a guess at what people on this route earn. Scale them to your own pay. Which state ends up dearer, Texas or Florida, generally holds at other salaries — though the gap between them can widen or narrow as you cross tax brackets.
- These figures cover the STATE layer only. City and municipal wage taxes sit on top of them and are not included: a commuter into Philadelphia pays its wage tax on top of anything here, and Ohio's municipalities run their own credit system, which this site models in its own families. New York City, by contrast, taxes only its residents, so a commuter into it adds nothing at the city level. Whether Florida or Texas carries a local layer is a separate question from the state arithmetic above.
- The arithmetic assumes all wages are earned in Florida and that there is no other income. That matters for the credit: where income comes from several states, Texas limits the credit to the share of its own tax attributable to the Florida portion, computed as a ratio rather than the straightforward cap used above. It also assumes days are worked in Florida rather than remotely — several states tax a non-resident's remote days as though they were worked at the employer's location, which reverses the usual expectation and is handled on this site's reciprocity pages.
- Dollar amounts are computed at a stated reference salary of sixty thousand rather than a corridor wage average, which no published source provides per state pair. Because both states' liabilities and the credit between them are functions of the same income, the direction of the Texas to Florida comparison holds at other salaries even though the amounts do not — with one qualification worth stating, that a progressive schedule can change the SIZE of the gap at higher incomes, and in Florida's case a bracket crossed on one side and not the other is exactly where that happens.
Questions people ask
Do I pay state tax twice, to Texas and Florida?
You file in both states, but you do not pay the full amount to both. Texas credits the tax Florida collected, capped at its own charge on that income. The practical result is one bill at the higher of the two levels: $0 for the year.
Does working in Florida cost me anything extra?
Nothing extra, on this route. You end the year owing $0, exactly what you would owe if the job were in Texas. That is not true of every crossing — plenty of them do cost money — but this one does not. What it does cost you is time at tax filing, because two states may each want a return.
Do I have to file tax returns in both Texas and Florida?
Usually yes, and it catches people out. Texas wants a return because you live there. Florida usually wants one too, because you earned money inside it — even in the cases where you end up owing it nothing. Filing in a state and paying it are separate things, and the return is often what proves you do not owe.
What if I work from home in Texas some days instead of going to Florida?
It depends on the state, and the answer is not the one most people expect. You might assume a day worked at your kitchen table in Texas is taxed by Texas. Usually that is right, and your Florida share shrinks to the days you were actually there. But a few states tax days you work at home as though you had been in the office, unless your employer required you to be elsewhere. It is worth checking which kind Florida is before assuming.
How is liability allocated between residence and work state on the same wages?
Both jurisdictions assert a claim on the same wages — Florida on a source basis, Texas on residence. The residence state grants a credit for tax paid to the source state, limited to the residence state's own liability on that income. Net combined liability therefore equals the greater of the two liabilities rather than their sum, $0 at the reference salary, and the split between the two treasuries is the only thing the credit changes.
Why is the marginal state-tax cost of this crossing zero?
Marginal cost is zero because the binding liability is the residence state's. Texas's own charge on this income equals or exceeds Florida's, so the resident credit absorbs the source-state tax entirely and combined liability equals residence-only liability, $0. ⚠️ Zero marginal tax is not zero obligation: a non-resident return may still be required in Florida.
What filing obligations arise in each state on this corridor?
Generally two. Texas requires a resident return reporting all income; Florida requires a non-resident return reporting the income sourced to it, which is also the mechanism by which the resident credit is substantiated. ⚠️ A filing obligation is distinct from a liability: a reciprocity exemption or a zero net position removes tax without necessarily removing the return, and the non-resident return is frequently what establishes the credit claimed on the resident one.
How do remote working days affect sourcing between these two states?
Ordinarily wages are sourced to where the services are performed, so days worked remotely from Texas fall outside Florida's jurisdiction and the source-state apportionment shrinks accordingly. ⛔ The exception is the "convenience of the employer" rule, which several states apply: a non-resident's remote days are sourced to the employer's location unless the remote work is required by the employer rather than chosen by the employee. The figures on this page model in-person attendance in Florida throughout.