El Paso Paycheck Calculator (2026)

How the El Paso Paycheck Calculator: Take-Home Pay Works

This El Paso paycheck calculator estimates your take-home pay in El Paso, Texas, using the 2026 federal brackets, Social Security and Medicare. El Paso workers pay only federal income tax and FICA because Texas has no wage income tax and El Paso levies no city income tax. Enter your salary, pay frequency, filing status and any pre-tax deduction to see net pay per paycheck and per year.

How El Paso paychecks are taxed

An El Paso paycheck shows federal income tax, Social Security and Medicare and nothing for the state or city. On a $65,000 salary with a traditional 401(k), federal tax and FICA total about $10,300 a year, leaving roughly 80% of gross pay. Texas's constitution bars a personal income tax on wages.

Federal Form W-4 is the only withholding form you need, so getting it right matters.

Local taxes and payroll deductions in El Paso

El Paso has no local income tax, no state disability insurance and no paid family leave deduction. Military and federal employment at Fort Bliss, health care, logistics, cross-border trade and education are the largest employers, and many workers have jobs tied to trade with Ciudad Juarez. Some residents work in New Mexico, which taxes wages earned there.

See the Texas paycheck calculator for statewide rules.

How much El Paso workers earn

The El Paso, TX metro area had about 339,120 jobs in May 2025. The median annual wage across all of them was $39,510 ($18.99 an hour), 19% below the Texas median of $48,620 and 22% below the national median of $50,980. The average wage was higher, at $51,870, because a smaller number of high earners pull the average up; the median is the better guide to a typical paycheck.

After federal income tax, Social Security and Medicare (Texas has no state income tax), a single worker on that $39,510 median takes home about $33,926 a year, or $2,827 a month and $1,304.86 every two weeks.

Wage figures: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025, El Paso, TX metropolitan area. Take-home pay: this page's 2026 calculator, single filer, no pre-tax deductions, default settings.

Take-home pay for El Paso's most common jobs

These are the occupations with the most workers in the El Paso area. Each row shows the median salary and what a single filer keeps after 2026 taxes in El Paso.

Large occupations tend to pay below the median: 10 of these 15 pay less than the $39,510 median for all workers, which is why the overall median is lower than many people expect.

Worked example: $65,000 salary in El Paso

A single El Paso worker earning $65,000, paid every two weeks and contributing $100 per paycheck to a traditional 401(k), has gross pay of $2,500.00 per paycheck. Federal income tax after the $2,600 deferral and the $16,100 standard deduction is about $5,308. Social Security is $4,030 and Medicare is $943. Texas state income tax is about $0.

Net pay is about $52,120 a year, or $2,004.60 per paycheck, which is 80.2% of gross pay. Change any input in the calculator above to test your own situation.

Higher-paying jobs with many openings in El Paso

Among occupations with at least 500 workers in the El Paso area, these have the highest median pay. Federal tax takes a larger share at these salaries, so compare the take-home column rather than the salary when weighing offers.

Occupations concentrated in the El Paso area

A location quotient compares how common a job is locally with its share nationwide: 2.0 means twice as concentrated as the U.S. overall. These occupations stand out in the El Paso area and say a lot about which industries hire there.

El Paso pay vs. Texas and the U.S. for popular jobs

Median annual wages for well-known jobs in the El Paso area, the whole state of Texas and the United States. Pay usually tracks living costs, so a higher wage does not always mean more money left over.

What hourly jobs pay in El Paso

The lowest-paid 10% of workers in the El Paso area earn under $10.93 an hour. Common hourly jobs pay the median rates below; a 40-hour week at that rate takes home the amount shown after 2026 taxes. Check the current Texas minimum wage on the U.S. Department of Labor state minimum wage page, since several states raise it each year.

Pay by career field in El Paso

BLS groups every job into broad career fields. Here is how many people work in each across the El Paso area, the field's median salary and what that salary takes home in El Paso. Management pays the most at a median of $93,220; healthcare support pays the least at $25,690.

How pay grows with experience in El Paso

The median hides a wide range. The lowest-paid 10% in a job are often new to it, while the top 10% are usually experienced, specialized or in management. The ranges below for common El Paso jobs show how much room there is to grow, with take-home pay at each level.

Cost of living in El Paso: rent, sales tax and housing

El Paso is one of the most affordable large Texas cities, with one-bedroom rents around $900 to $1,200 a month. The combined sales tax rate is 8.25%, and property taxes are high relative to home values, often about 2.5% or more.

Hourly wages in El Paso: what different pay rates take home

Many El Paso workers are paid by the hour, so here is the estimated take-home pay at common wage rates for a single filer working 2,080 hours a year, using 2026 federal rules and the El Paso and state taxes in this calculator. The figures assume no pre-tax deductions, so your own paycheck will differ once benefits are included.

Overtime is taxed as ordinary wages, so an extra hour is worth less than the wage rate after tax. Use the hourly paycheck calculator to include overtime hours and different pay frequencies.

How a 401(k) contribution changes a El Paso paycheck

On a $65,000 salary with no retirement savings, estimated take-home pay in El Paso is $54,408 a year. Contributing 6% to a traditional 401(k), which is $3,900, reduces take-home pay by only $3,432 because the contribution lowers federal income tax. A 10% contribution of $6,500 lowers take-home pay by $5,720.

In other words, each dollar you save costs roughly 88 cents of take-home pay at this income. If your employer matches contributions, the true cost is even lower, so contributing at least enough to receive the full match is one of the most reliable ways to raise your total pay. Roth contributions cost the full dollar of take-home pay but grow tax-free.

Single or married: a $120,000 household in El Paso

Filing status changes the outcome even when income is the same. A single filer earning $120,000 in El Paso takes home about $93,250 a year, while a married couple filing jointly with one earner at $120,000 takes home about $100,780, a difference of $7,530 a year, because the joint standard deduction is $32,200 and the joint brackets are twice as wide.

If both spouses work, each employer withholds as if the job were the only income, which can leave you under-withheld, so use the multiple jobs paycheck calculator and update Form W-4. Head-of-household filers with a qualifying dependent can use the head of household calculator.

Rent and a budget on a typical El Paso salary

On the $39,510 median, the common guideline of spending no more than 30% of gross pay on housing allows rent of about $988 a month. Using the 50/30/20 rule on the $2,827 monthly take-home pay, that is about $1,414 for needs such as rent, food and transport, $848 for wants and $565 for savings and debt payments.

If rents run above $988 for the home you want, the usual fixes are a roommate, a longer commute or a second income in the household; the rent affordability calculator tests your own numbers.