Dallas Money Calculators
18 free calculators built on Dallas's own tax, housing and insurance rules — each with the reasoning explained.
Dallas at a glance
| State and local income tax | None |
|---|---|
| Take-home on $100,000 (single, no deductions) | $79,180 |
| Property tax | A Dallas home in Dallas ISD is taxed by Dallas ISD, the City of Dallas, Dallas County, Parkland Hospital and Dallas College, for about $2.22 per $100 in 2025 before exemptions — a bit higher than Houston. |
| Government closing taxes on a $500,000 purchase (buyer + seller) | None (no transfer tax) |
| Transit | DART: about $96 a month |
| Auto insurance minimum | Liability 30/60/25 ($30,000 per person, $60,000 per accident bodily injury; $25,000 property damage). PIP must be offered and rejected in writing. |
Income taxes in Dallas
Like Houston, Dallas has no state income tax, so federal income tax and FICA are the only taxes withheld from wages. Texas makes up the difference through sales tax and property tax.
Texas has no state disability or paid-leave payroll deduction, so a Dallas pay stub shows only federal withholding, FICA and whatever benefits you choose.
Housing: renting and buying
Dallas home prices sit above Houston's but well below coastal cities. Uptown, Oak Lawn, Bishop Arts, Lakewood, Lake Highlands and Preston Hollow each have their own price range, and many buyers look to suburbs such as Richardson, Plano and Garland for more space.
A Dallas home in Dallas ISD is taxed by Dallas ISD, the City of Dallas, Dallas County, Parkland Hospital and Dallas College, for about $2.22 per $100 in 2025 before exemptions — a bit higher than Houston. The school district's $140,000 homestead exemption is the largest saving, and the City, County and Parkland each take 20% off for homesteads.
Closing costs and transfer taxes
Texas has no transfer tax, so Dallas closing costs are driven by lender charges, title insurance at state-promulgated rates, and escrow for taxes and insurance.
Getting around
DART runs the largest light-rail network in Texas, but most Dallas commuters drive, and many use North Texas Tollway Authority roads such as the Dallas North Tollway and President George Bush Turnpike. Paying by TollTag is cheaper than being billed by mail through ZipCash.
Insurance and everyday costs
Texas minimum liability is 30/60/25. North Texas hailstorms are a major driver of comprehensive claims, so full-coverage premiums and home insurance deductibles in Dallas reflect hail risk more than flood risk.
Childcare costs in Dallas are moderate by big-city standards. Texas Workforce Commission child care scholarships through Workforce Solutions help eligible families, and free public pre-K is available to qualifying four-year-olds.
Dallas budgets benefit from no state income tax, but tolls, car costs and property tax add up for many households.
How to use the Dallas calculators
Every tool below uses Dallas's own rules — the Texas tax engine for paychecks, the Dallas Central Appraisal District's method for property tax, and local transfer taxes for closing costs. Start with the paycheck calculator to see real take-home pay, then use the housing tools to test rents or home prices against it. Each result comes with a Reasoning box that explains which rule mattered most.
Income & Taxes
Housing & Real Estate
Insurance & Everyday Costs
Dallas Special Tools
Frequently asked questions
Does Dallas have a city income tax?
No. Dallas does not levy a personal income tax; see the paycheck calculator for state taxes.
How much is take-home pay on $100,000 in Dallas?
About $79,180 a year for a single filer with no pre-tax deductions, based on 2026 rules.
Where do the Dallas numbers come from?
Tax rates and rules come from official sources such as the IRS, the Texas Comptroller of Public Accounts and the Dallas Central Appraisal District. Cost estimates such as typical rent are Rate and Reason starting points that you can replace with your own numbers.