Taxes in Garland, Texas
Complete tax guide for Garland, TX. No state income tax, 1.8% property tax, 8.96% sales tax. Calculate your total tax burden.
State Income Tax
None
Texas
Property Tax
1.8%
Effective rate
Sales Tax
8.96%
Combined rate
Tax Burden
Moderate
Garland, TX Tax Overview
No state income tax; higher property taxes compensate
Population
244,286
Median Income
$58,000
Cost of Living
94.2 (100 = avg)
State Income Tax
None
Median Home Price
$260,000
Garland Tax Calculator
Pre-filled with Garland median: $58,000
Total Tax Burden in Garland
$9,359
Take-Home: $48,642 · Effective Rate: 16.14%
Federal Tax
$4,922
8.49% eff.
TX State
$0
0.00% eff.
FICA
$4,437
7.65% eff.
Take-Home
$48,642
83.86% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $58,000.00 | $4,833.33 |
| Federal Income Tax | -$4,921.50 | -$410.13 |
| Texas State Tax | $0.00 | $0.00 |
| Social Security (6.2%) | -$3,596.00 | -$299.67 |
| Medicare (1.45%) | -$841.00 | -$70.08 |
| Take-Home Pay | $48,641.50 | $4,053.46 |
Property Tax in Garland
Median Home
$260,000
Annual Tax
$4,680
Monthly Tax
$390
Effective Rate
1.8%
Sales Tax in Garland
Combined Rate
8.96%
State Portion
~6.5%
Local Portion
~2.5%
The combined sales tax rate in Garland is 8.96%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.96 in sales tax.
Tax Burden Comparison
| Tax Type | Garland | Texas Avg | National Avg |
|---|---|---|---|
| Income Tax | None | None | 4.6% |
| Property Tax | 1.8% | ~1.8% | 1.1% |
| Sales Tax | 8.96% | ~8.96% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Garland Residents
- Texas has no state income tax, meaning your income is only subject to federal taxes and FICA. Consider investing your tax savings into a Roth IRA for tax-free growth.
- Property tax in Garland (1.8%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- The combined sales tax rate of 8.96% is relatively high. Consider making large purchases in lower-tax jurisdictions or online retailers that do not charge local tax rates.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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LowCalculate Your Full Texas Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Garland, TX?
Garland, Texas has no state income tax. The property tax rate is 1.8% and the combined sales tax rate is 8.96%. No state income tax; higher property taxes compensate
How much is property tax in Garland?
The effective property tax rate in Garland is 1.8%. On the median home price of $260,000, this equals approximately $4,680 per year or $390 per month. This is above the national average of 1.1%.
What is the sales tax rate in Garland?
The combined sales tax rate in Garland is 8.96%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Garland's tax burden compare to other cities?
Garland has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 26%. The absence of state income tax significantly reduces the overall burden. Cost of living index is 94.2 (100 = national average).
Are there any local taxes in Garland?
Garland does not impose a separate local or city income tax. Residents pay no state income tax, federal income tax, and FICA (Social Security and Medicare). No state income tax; higher property taxes compensate