Is $120,000 enough to live in Texas?
Short answer: Sophisticated, depending on lifestyle and city.
Monthly take-home
$7,739
Estimated baseline living cost: $2,600 – $5,300 per month for a single adult (U.S. average).
Annual take-home
$92,869
After taxes, a $120,000 salary in Texas results in approximately $92,869 per year, or about $7,739 per month.
Typical monthly cost breakdown in Texas
Rent & utilities
$2,000 – $2,800
Food & groceries
$500 – $700
Transportation
$300 – $600
Health & insurance
$300 – $500
👉 With this salary, living in Texas is sophisticated for a single adult.
How this salary feels in major cities
Austin
Est. monthly cost: $3,200
Dallas
Est. monthly cost: $3,000
Houston
Est. monthly cost: $2,900
ElPaso
Est. monthly cost: $2,400
These estimates assume a single filer using standard deductions and average living costs. Actual comfort depends heavily on city, housing choices, and personal spending habits.