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Get a quick estimate of your federal tax refund or amount owed based on your income and deductions.
| Bracket | Rate | Taxable Amount | Tax |
|---|
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Compare which deduction method may benefit you most for the 2025 tax year.
| Filing Status | Standard Deduction | Itemized May Beat Standard When... | Common Itemized Deductions |
|---|---|---|---|
| Single | $15,000 | Mortgage interest + state taxes + charity > $15,000 | Mortgage interest, SALT (up to $10K), charitable gifts, medical (above 7.5% AGI) |
| Married Filing Jointly | $30,000 | Combined deductions > $30,000 | Combined mortgage interest on up to $750K loan + SALT cap + charity |
| Married Filing Separately | $15,000 | If spouse itemizes, you must also itemize | Same as single but coordination required with spouse |
| Head of Household | $22,500 | Deductions > $22,500 | Single-parent home costs including mortgage, childcare expenses |
Texas residents enjoy unique tax benefits — here's what you need to know.
Texas is one of only 9 states with zero state income tax. This means every dollar you earn stays closer to home. Federal taxes still apply, but you're spared the state tax bite that residents of California, New York, or Illinois pay.
Texas homeowners can claim a $100,000 homestead exemption (effective Jan 1, 2023) reducing your home's taxable value for county/city taxes. Age 65+ and disabled homeowners get an additional $10,000 exemption and a tax freeze on school district taxes.
Apply for Exemption| County | Avg. Rate |
|---|---|
| Travis (Austin) | ~1.97% |
| Harris (Houston) | ~2.13% |
| Bexar (San Antonio) | ~2.09% |
| Dallas | ~2.18% |
| Tarrant (Ft. Worth) | ~2.26% |
Quick answers to the most common tax questions from Texas filers.
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