Physician Salary in Texas

How Much Does a Physician Make in Texas?

The typical Physician salary in Texas ranges from $154,000 to $286,000, with the national median at $220,000.

Diagnose and treat illnesses, injuries, and medical conditions Your actual take-home pay as a Physician in Texas depends on:

• Your specific salary or hourly rate
• Federal income tax (10% to 37% progressive rates)
• FICA taxes (7.65% for Social Security and Medicare)
• Local taxes (if applicable in your city)
• Health insurance and retirement contributions
• Cost of living in your specific city or region

Taxes for Physician in Texas

As a Physician working in Texas, you'll pay the following taxes on your income:

Federal Income Tax

Everyone in the US pays federal income tax, including Physician professionals. The federal tax system uses progressive tax brackets ranging from 10% to 37%, meaning you pay different rates on different portions of your income.

FICA Taxes

Social Security and Medicare taxes (FICA) total 7.65% of your gross income:

• Social Security: 6.2% (on first $168,600 in 2025)
• Medicare: 1.45% (no income limit)
• Additional Medicare: 0.9% on income over $200,000

Texas Has No State Income Tax

Great news! Texas is one of only 9 states with no state income tax. This means you keep more of your Physician salary compared to working in states like California (up to 13.3% tax) or New York (up to 10.9% tax).

Example: A Physician earning $220,000 in Texas saves approximately $11,000 to $22,000 per year in state income tax compared to high-tax states.

Cost of Living for Physician in Texas

Your Physician salary goes further or shorter depending on the cost of living in your area of Texas. Key factors include:

• Housing: Rent or mortgage payments (often 25-35% of take-home pay)
• Transportation: Car payments, gas, insurance, or public transit
• Food: Groceries and dining out
• Healthcare: Insurance premiums, copays, prescriptions
• Utilities: Electric, gas, water, internet

A $220,000 Physician salary in a low-cost area of Texas provides significantly more buying power than the same salary in an expensive metro area.

Physician Salary Examples in Texas

Here's what different Physician salary levels look like in Texas:

Entry-Level Physician ($154,000)

• Gross annual salary: $154,000
• Federal tax: ~$18,480
• FICA: ~$11,781
• Approximate take-home: $115,500

Median Physician ($220,000)

• Gross annual salary: $220,000
• Federal tax: ~$35,200
• FICA: ~$16,830
• Approximate take-home: $158,400

Experienced Physician ($286,000)

• Gross annual salary: $286,000
• Federal tax: ~$62,920
• FICA: ~$21,879
• Approximate take-home: $185,900

Calculate your exact take-home pay: These are estimates. For precise calculations based on your specific situation, use our Texas salary calculator.

Compare Physician Salaries Across States

The same Physician salary can result in very different take-home pay depending on the state:

• No-tax states (TX, FL, NV, TN, WA): Higher take-home pay
• Low-tax states (AZ, IN, ND, PA): Moderate take-home pay
• High-tax states (CA, NY, NJ, HI): Lower take-home pay

A $220,000 Physician salary in California results in about $11,000 to $22,000 less take-home pay per year compared to the same salary in Texas.

Frequently Asked Questions

What is the average Physician salary in Texas?

The average Physician salary in Texas varies by experience, location within the state, and employer. The national median is $220,000, with typical Texas salaries ranging from $154,000 to $286,000.

How much does a Physician make after taxes in Texas?

After federal taxes, FICA, and typical deductions, a Physician earning $220,000 in Texas takes home approximately $154,000 to $165,000 per year.

Is Texas a good state for Physician professionals?

Yes! Texas's lack of state income tax means Physician professionals keep more of their earnings. Combined with cost of living and career opportunities, Texas can be very attractive.

Next Steps

Ready to see your exact Physician take-home pay in Texas?

Use our Texas salary calculator →

Or compare Physician salaries across different states to find the best location for your career.