Beaumont, TX Salary Guide: The Real Value of a $100,000 Income

You see the headline number: $100,000. It feels like a milestone. But in the world of financial analysis, the sticker price is irrelevant. What matters is the Net Operating Income—the cash that actually hits your bank account.

This guide breaks down the math behind a six-figure salary in Beaumont, Texas, exposing the tax drag and calculating your actual purchasing power in the Golden Triangle.

The Verification Test ($100,000 Analysis)

Let’s run the numbers. When you strip a $100,000 salary down to its bare essentials, the "Sticker Price" evaporates quickly.

• Gross Income: $100,000
• Federal Tax: -$13,614
• FICA (Social Security/Medicare): -$7,650
• State Tax (TX): $0
• Local Tax: $0
• Total Deductions: $21,264
• Net Take Home Pay: $78,736

The Analysis:
In Beaumont, your tax burden is purely federal. You are paying a "Texas Dividend" of roughly $21,264 to keep your income stream flowing. This results in an effective tax rate of 21.3%.

Because Texas has zero state income tax, you are dodging a bullet that costs residents in high-tax states thousands annually. You keep more of every dollar earned, which accelerates your path to financial independence.

Smart Budget Breakdown (50/30/20 Rule)

With a monthly net of $6,561, the standard 50/30/20 budget rule applies differently here. In Beaumont, your money stretches further, allowing you to break the rules in your favor.

Needs ($3,281 / Month)

This is your survival bucket. In Beaumont, this amount provides significant purchasing power.

• Housing: The median rent for a nice 1-bedroom or even a 2-bedroom apartment in decent areas (like near Lamar University or the medical district) typically ranges from $900 to $1,200.
• The Verdict: You are not rent-burdened. After covering rent, utilities, and insurance, you likely have $1,500+ left over in this category. This is a massive advantage over markets like Austin or Houston.

Wants ($1,968 / Month)

This is your lifestyle budget. With the low cost of living, this amount funds a premium lifestyle.

• Discretionary Spending: Dining out at Babe’s Chicken or J. Wilson’s, fueling a vehicle (gas is cheap in TX), and entertainment.
• The Verdict: You can live lavishly. There is no pressure to pinch pennies on daily expenses.

Savings ($1,312 / Month)

This is where wealth is created. This is your "Pay Yourself First" bucket.

• Wealth Creation: $1,312 monthly equates to $15,744 annually.
• The Verdict: Maxing out a Roth IRA ($7,000) is easy here, leaving nearly $9,000 extra to dump into a brokerage account or high-yield savings. This level of savings on a single income is the blueprint for early retirement in Texas.

Beaumont Taxes vs The Competition

To understand the value of Beaumont, you have to look at what you aren't paying.

Location	Gross Salary	State Income Tax	Est. Local Tax	Net Pay (After Fed/FICA)
Beaumont, TX	$100,000	$0	$0	$78,736
Austin, TX	$100,000	$0	~$1,200 (Prop Tax)	~$77,500*
New York, NY	$100,000	~$5,200	~$1,800	~$71,700

Note: While Austin has no state income tax, its property taxes are significantly higher than Beaumont's, eroding long-term wealth for homeowners.

The Beaumont Advantage:
By choosing Beaumont over New York City, you save roughly $7,000 annually purely on taxes. Over a 30-year career, that is $210,000 in tax savings—money that compounds in your investment portfolio, not the government's coffers.

Frequently Asked Questions (FAQ)

Q: What is the income tax rate in Beaumont?
A: Beaumont residents pay 0% state income tax. The only income taxes withheld from your paycheck are Federal Income Tax and FICA (Social Security and Medicare).

Q: Is $100k a good salary in Beaumont?
A: Yes. With a net take-home pay of $78,736, you are earning significantly above the median household income for the area. This salary affords you a comfortable lifestyle, the ability to rent a quality home, and the capacity to save over $1,300 per month.

Q: Does Beaumont have a local city tax?
A: No. Beaumont, Texas, does not levy a local income tax on wages.

---

Disclaimer: This article is for informational purposes only and reflects estimated tax liabilities based on the 2026 IRS tax brackets and standard deductions. Actual tax withholdings may vary based on specific filing status, dependents, and additional deductions.

Methodology & Sources:

• Federal Tax Calculations based on IRS 2026 Tax Tables (Single Filer, Standard Deduction).
• FICA rates fixed at 6.2% for Social Security and 1.45% for Medicare.
• State and Local Tax data verified via Texas Comptroller of Public Accounts.
• Salary comparisons utilizing Bureau of Labor Statistics (BLS) data for the Beaumont, TX metropolitan area.