Bank Teller Salary in Houston, TX — 2026
Bank Teller salary data for Houston, TX — adjusted for local cost of living. Entry-level to senior pay ranges, take-home pay calculator, and local job market insights.
The median Bank Teller salary in Houston, TX is $34,560 per year ($2,880/month, $17/hr). This reflects the local cost of living index of 96, which is 4% below the national average.
Bank Teller Take-Home Pay in Houston
Tax Breakdown (Median Salary)
| Gross Annual | $34,560 |
| Federal Tax | -$1,967 |
| State Tax (0.0%) | -$0 |
| FICA (SS + Medicare) | -$2,644 |
| Annual Take-Home | $29,949 |
| Monthly Take-Home | $2,496 |
Living Cost Comparison
Bank Teller Requirements
Key Skills
Houston Job Market Overview
Houston, Texas has a population of 2,304,580 and an unemployment rate of 3.8%. The top industries are Energy, Healthcare, Aerospace. The local job growth rate is 2.5%, and the average commute time is 28 minutes.
Related Finance Salaries in Houston
Bank Teller Salary in Nearby Texas Cities
Salary Percentile Breakdown — Bank Teller in Houston
Based on the cost-of-living-adjusted distribution for Bank Teller in Houston, TX, here's how earnings break down across the workforce:
| Percentile | Annual Salary | Hourly Equivalent | Career Stage |
|---|---|---|---|
| 10th (lowest) | $28,800 | $14/hr | Entry-level, < 1 yr exp. |
| 25th | $31,680 | $15/hr | Junior, 1-3 yrs exp. |
| 50th (median) | $34,560 | $17/hr | Mid-career, 0 years |
| 75th | $40,320 | $19/hr | Senior, 5-10 yrs exp. |
| 90th (top) | $46,080 | $22/hr | Lead/Principal, 10+ yrs |
Percentiles estimated using a log-normal salary distribution model calibrated to Bank Teller compensation data. Top earners (P90) typically include managers, specialists with rare skills, or those at high-paying employers in Houston's Energy sector.
5-Year Salary Trajectory
Bank Teller salaries in Houston have grown approximately 5.0% over the past 5 years, outpacing local CPI inflation in many cases. Here's the historical and projected trajectory:
Year-over-year, an average Bank Teller can expect a 8.8% annual increase moving from entry to senior level over 4 years in Houston. Negotiation, certifications (None required), and changing employers strategically can accelerate this trajectory.
Houston vs National Average
The national median Bank Teller salary is $36,000. In Houston, the cost-of-living-adjusted median of $34,560 is 4.0% below the national figure. This reflects Houston's cost of living index of 96 (lower than the national average of 100).
For Bank Tellers, this means: rent typically consumes 54.1% of take-home pay (households spending >30% are considered rent-burdened), and a median home in Houston costs about 9.3× annual take-home. Homeownership in Houston on this salary is challenging — most experts recommend keeping home costs to 3-4× income.
Industry Context: Energy in Houston
Houston's economy is anchored by Energy, Healthcare, Aerospace, with 2,304,580 residents and 3.8% unemployment as of 2026. Bank Tellers working in the Energy sector typically earn at or above the local median due to industry-specific demand. The state's overall job growth rate is 2.5%, and Bank Teller occupations specifically are projected to grow -2.0% nationally through 2034 (BLS Occupational Outlook Handbook).
Methodology & Data Sources
How we calculate Bank Teller salaries in Houston, TX:
- Base salary model starts with Salario occupation data and public wage references, including BLS OEWS and O*NET when a direct or related occupational crosswalk is available. For niche titles, we do not treat a broader SOC family as an exact job-title wage.
- Cost-of-living adjustment applied using the Houston index of 96 relative to the national baseline of 100, with local rent, home price, unemployment, and tax inputs checked separately.
- Percentile distribution (P10-P90) estimated from the entry, median, senior, and top compensation tiers in the Salario salary model rather than claimed as exact employer payroll data.
- Take-home pay calculated using 2026 federal tax brackets (10%-37%), TX state income tax of 0.0%, and FICA (Social Security 6.2% + Medicare 1.45%).
- Tax brackets and standard deduction ($16,100 single filer for tax year 2026) sourced from IRS Revenue Procedure 2025-32 and updated annually.
Authoritative data sources:
- BLS Occupational Employment and Wage Statistics — national and metro-area salary data
- O*NET OnLine — occupation tasks, alternate job titles, skills, and SOC crosswalks
- BLS Occupational Outlook Handbook — occupation outlook where a matching profile is available
- BLS Consumer Price Index (CPI-U) — regional inflation and cost-of-living data
- U.S. Census Bureau — Houston QuickFacts — population and demographic data
- IRS Revenue Procedure 2025-32 summary — 2026 federal tax brackets and standard deductions
- BLS Local Area Unemployment Statistics — Houston unemployment rate
Last reviewed: 2026. Salary data updated annually as new BLS releases become available. Bank Teller salaries can vary significantly based on employer, sector (Energy vs others in Houston), specific skill set (Cash Handling, Customer Service, Banking Software), and individual negotiation. Always verify current compensation through multiple sources before making career decisions.
Frequently Asked Questions
What is the average Bank Teller salary in Houston, TX?
How much does a Bank Teller take home in Houston after taxes?
Is Houston a good city for Bank Tellers?
What skills are needed for a Bank Teller in Houston?
How does Bank Teller salary in Houston compare to the national average?
Calculate Your Exact Take-Home Pay
Use our free paycheck calculator to see your after-tax income based on your specific salary, deductions, and filing status.
Calculate NowExplore More
Across Our Network
- Levyio: Federal Tax Bracket Calculator — see take-home on this salary
- DegreeCalc: College Majors ROI Ranking — what degrees lead to this salary path
- Amortio: Home Affordability — what home you can buy on this income
Frequently Asked Questions
What is the average Bank Teller salary in Houston, TX?
The median Bank Teller salary in Houston, TX is $34,560 per year as of 2026. This is adjusted for the local cost of living index of 96. Entry-level Bank Tellers earn around $28,800, while senior-level professionals can earn $40,320 or more.
How much does a Bank Teller take home in Houston after taxes?
A Bank Teller earning the median salary of $34,560 in Houston, TX takes home approximately $29,949 per year ($2,496/month) after federal, state, and local taxes. The effective tax rate is 13.3%.
Is Houston a good city for Bank Tellers?
Houston, TX has a cost of living index of 96 (below national average). Bank Tellers here earn below the city median. The local unemployment rate is 3.8% and top industries include Energy, Healthcare, Aerospace.
What skills are needed for a Bank Teller in Houston?
Key skills for Bank Tellers include Cash Handling, Customer Service, Banking Software, Math, Attention to Detail. Typical education requirement is High School Diploma. Valuable certifications include None required.
How does Bank Teller salary in Houston compare to the national average?
The national median Bank Teller salary is $36,000. In Houston, the adjusted salary is $34,560, which is 4.0% lower than the national average, reflecting the local cost of living.