The Real Salary Guide: Living on $100,000 in Flower Mound, TX

You see the "sticker price" of a $100,000 salary and think you’ve made it. But in most states, that number is a lie. By the time the government takes its pound of flesh, you are left fighting for scraps. Not here.

As a financial analyst, I don't care about the gross number. I care about purchasing power. In Flower Mound, Texas, the tax structure turns a $100,000 salary into a wealth-generation machine.

Here is the hard data on what your paycheck actually looks like.

---

The Verification Test ($100,000 Analysis)

Let’s run the Verification Test. We take the sticker price ($100,000) and strip away the deductions to find the reality.

• Gross Salary: $100,000
• Federal Tax: -$13,614
• FICA Tax: -$7,650
• State Tax (TX): -$0
• Local Tax: -$0

The Bottom Line: Your Take Home Pay is $78,736.

The Gap Analysis

In a high-tax state like New York or California, that $100,000 salary could easily hemorrhage $30,000+ to state taxes alone. In Flower Mound, your total tax liability is roughly 21%.

You retain 78.7% of your earnings. That is a massive competitive advantage.

Monthly Net Income: $6,561

---

Smart Budget Breakdown (50/30/20 Rule)

With $6,561 hitting your bank account every month, the standard 50/30/20 rule applies. However, in Flower Mound, the "Needs" category buys you a significantly higher quality of life than in coastal metros.

Needs ($3,281 / month)

This covers your rent, utilities, groceries, and insurance.

• The Rent Reality: The median rent for a 1-bedroom in Flower Mound hovers around $1,600 - $1,800.
• The Math: After paying rent, you have roughly $1,400+ remaining for utilities, insurance, and food.
• Verdict: You are not rent-burdened. You can afford a safe, modern apartment without sacrificing groceries.

Wants ($1,968 / month)

This is your discretionary spending. Dining out, subscriptions, and entertainment.

• The Purchasing Power: $1,968 goes a long way in the DFW metroplex. This is enough for frequent dinners, nightlife, and hobbies without anxiety.

Savings ($1,312 / month)

This is where true wealth is built.

• Wealth Creation: Saving $1,312 monthly puts you on track to max out a Roth IRA and contribute heavily to a 401(k).
• The Compound Effect: At this savings rate, you are investing over $15,000 a year. That is not just "saving"; that is building an exit strategy.

---

Flower Mound Taxes vs. The Competition

The "No State Income Tax" advantage is the single biggest factor in your financial health. Let's look at the competition.

Metric	Flower Mound, TX	Austin, TX (Comparable)	New York City, NY (The Competition)
Gross Salary	$100,000	$100,000	$100,000
State Tax	$0	$0	~$5,000+
Local/City Tax	$0	$0	~$3,500+
Estimated Take Home	$78,736	$78,736	~$65,000

The Analysis:
Living in Flower Mound saves you approximately $13,000 annually compared to NYC, purely on tax liability. That is a $1,083 monthly "bonus" that New Yorkers have to pay to the government. In Flower Mound, that money stays in your investment portfolio.

---

Frequently Asked Questions (FAQ)

Q: What is the income tax rate in Flower Mound?
A: The income tax rate is 0%. Flower Mound does not levy a local income tax, and Texas does not levy a state income tax. You only pay Federal tax and FICA.

Q: Is $100k a good salary in Flower Mound?
A: Yes. With a net monthly income of $6,561, you are well above the median household income for the area. This salary allows for comfortable housing, significant savings, and a high disposable income relative to the cost of living.

Q: Does Flower Mound have a local city tax?
A: No. Based on current data, there is no local city income tax levied on residents.

---

Disclaimer: This analysis is based on 2026 IRS tax projections, Bureau of Labor Statistics (BLS) inflation data, and Texas State Comptroller records. Figures are estimates for a single filer using the standard deduction.