The "Savings" Scorecard
The verdict is in. Under the One Big Beautiful Bill Act (OBBA), a household in Austin earning $75,000 will see an estimated tax reduction of $1,016. This effectively acts as a $1,016 annual raise starting July 4, 2025.
Inside the 10% Bracket
The core feature of OBBA is the expansion of the 10% Bracket. Previously, your income over $11,600 was taxed at 12%. Now, a significantly larger portion of your earnings stays in the 10% bucket, directly putting more cash into your bi-weekly paycheck.
The Texas Multiplier
Living in Texas makes this cut even more valuable. Since you pay 0% state income tax, you keep 100% of this federal benefit, maximizing your real take-home pay compared to high-tax states.
Standard Deduction Boost
OBBA didn't just cut rates; it raised the Standard Deduction to combat inflation. For Austin residents, this means the first $20,000 you earn is completely tax-free, protecting your purchasing power against rising local prices.
Are You a "Winner"?
Who wins the most in Austin? The math shows that Austin households earning between $50k and $150k see the highest percentage reduction in liability. Your projected savings place you squarely in this 'Winner's Circle'.
Frequently Asked Questions (FAQ)
Tools & Data Verified by the EverydayCalculators Financial Research Team.
Last updated: December 2025.