STATE TAX COMPARISON · TAX YEAR 2026
Colorado vs Texas taxes in 2026
Texas has no income tax on wages, while Colorado taxes income at a flat 4.4%. Single filers keep more in Texas at every income shown: $1,492 more at $50,000, rising to $10,292 at $250,000. A married couple with two children keeps more in Texas at every income shown: $783 more at $50,000, rising to $9,583 at $250,000.
Your estimate
- You keep more in Texas
- $2,591.60 a year
- Colorado income tax
- $2,591.60
- Texas income tax
- $0.00
- Take-home in Colorado
- $59,000.90
- Take-home in Texas
- $61,592.50
Take-home pay in Colorado and Texas
Take-home pay is wages minus state income tax, federal income tax, Social Security and Medicare. Property, sales and other taxes are not included.
| Colorado | Texas | |
|---|---|---|
| $50,000 in wages: $1,492 more take-home in Texas | ||
| State income tax | $1,492 | $0 |
| Take-home pay | $40,863 | $42,355 |
| $75,000 in wages: $2,592 more take-home in Texas | ||
| State income tax | $2,592 | $0 |
| Take-home pay | $59,001 | $61,593 |
| $100,000 in wages: $3,692 more take-home in Texas | ||
| State income tax | $3,692 | $0 |
| Take-home pay | $75,488 | $79,180 |
| $150,000 in wages: $5,892 more take-home in Texas | ||
| State income tax | $5,892 | $0 |
| Take-home pay | $107,899 | $113,791 |
| $250,000 in wages: $10,292 more take-home in Texas | ||
| State income tax | $10,292 | $0 |
| Take-home pay | $172,890 | $183,182 |
| Colorado | Texas | |
|---|---|---|
| $50,000 in wages: $783 more take-home in Texas | ||
| State income tax | $783 | $0 |
| Take-home pay | $48,012 | $48,795 |
| $75,000 in wages: $1,883 more take-home in Texas | ||
| State income tax | $1,883 | $0 |
| Take-home pay | $67,139 | $69,023 |
| $100,000 in wages: $2,983 more take-home in Texas | ||
| State income tax | $2,983 | $0 |
| Take-home pay | $86,127 | $89,110 |
| $150,000 in wages: $5,183 more take-home in Texas | ||
| State income tax | $5,183 | $0 |
| Take-home pay | $122,402 | $127,585 |
| $250,000 in wages: $9,583 more take-home in Texas | ||
| State income tax | $9,583 | $0 |
| Take-home pay | $192,285 | $201,868 |
Rates and deductions
| Colorado | Texas | |
|---|---|---|
| Rates | 4.4% flat | No wage income tax |
| Standard deduction | $16,100 single, $32,200 joint (federal), cut to $1,000 ($2,000 joint) from $300,000 of income | None |
| Personal exemption | None | None |
Retirement and Social Security
Does Colorado tax Social Security?
Partly. Colorado subtracts all taxable benefits from age 65, and from 55 to 64 when federal AGI is $75,000 or less ($95,000 joint), and up to $20,000 of them at higher incomes.
Colorado Social Security tax rules
Does Colorado tax retirement income?
Partly. Colorado subtracts up to $24,000 per person of pension and IRA income at 65 ($20,000 from 55), less the Social Security that person subtracts, and taxes the rest.
Colorado retirement income tax for 2026
Does Texas tax Social Security?
No. Texas has no personal income tax, so it does not tax Social Security benefits.
Texas Social Security tax rules
Does Texas tax retirement income?
No. Texas has no personal income tax, so it does not tax pensions or 401(k) and IRA withdrawals. Federal income tax still applies.