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Money Matters

This is the salary you need to live comfortably in Texas in 2026

Amber Heckler
Aug 13, 2026 | 1:30 pm
hundred dollar bills, money

Single U.S. adults need at least $80,000 to live comfortably; in Texas, the figure is much higher.

Photo by Alexander Mils on Unsplash

A new national report looking at the income it takes to live comfortably in each of the 50 states has revealed Texans need to earn slightly less now than a year ago.

SmartAsset analyzed what a single individual, as well as family of four, must earn to cover minimum basic needs adjusted using the 50/30/20 budgeting rule. The resulting estimate represents the annual, pre-tax income needed to live comfortably in every U.S. state.

A single, full-time worker needs to make $90,563 to live comfortably in the Lone Star State, the report found, which is down a meager 0.2 percent from last year ($90,771).

Under the 50/30/20 budgeting strategy, that means a single Texas earner would have $45,282 to spend on necessities like housing and utilities, $27,169 for discretionary spending, and $18,113 for emergencies or retirement savings.

Texas ranked 34th nationally in SmartAsset's list of states with the highest income needed for a single adult to live "in sustainable comfort" in 2026. Only five other states — Tennessee, Maryland, Louisiana, North Carolina, and Mississippi — saw a decline in the income needed to live comfortably this year.

For a family of four to live comfortably in Texas, income requirements change significantly, according to the findings. To support a two-child household, a family needs $203,424 in combined total household income to be considered financially stable. This is down slightly from 2025, when SmartAsset reported a family of four in needed $204,922 to live comfortably in Texas.

This is a comfortable lifestyle for a family of four in Texas, according to the report:

  • $101,712 dedicated to necessities and living expenses
  • $61,027 dedicated to discretionary spending
  • $40,685 dedicated to emergencies, savings, or debt repaymen

According to the report, a family of four now needs to make at least $200,000 to live comfortably in 40 U.S. states, a figure that is far out of reach for many American families.

"As housing, grocery, transportation and other essential costs pressure household budgets, earning a six-figure salary no longer guarantees financial comfort in much of the U.S.," the report said. "A single adult now needs at least $80,000 a year to live comfortably in every state, while the threshold exceeds $100,000 in nearly half of states. For a family of four, the income needed to live comfortably is as much as $329,000."

Still, earning the minimum income to live comfortably in Texas doesn't guarantee financial stability in the Lone Star State's major cities. Earlier this year, SmartAsset determined single residents in Dallas need to make nearly $97,000 to qualify as financially stable, while families of four need about $214,500.

texas smartasset reports salaries income finance
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Camp Mystic News

Bankrupt Camp Mystic seeks to sell the property as legal troubles grow

Associated Press
Sep 28, 2026 | 5:32 pm
Funeral Held For Sisters Killed During The Flooding At Camp Mystic In Hunt, Texas
Photo by Ron Jenkins/Getty Images
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The owners of Camp Mystic have proposed selling off the riverfront property as part of a bankruptcy plan, with hopes that a buyer will preserve the camp's “historic mission” following the death of 27 campers and counselors swept away by a 2025 flood.

The century-old private Christian girls' camp filed a Chapter 11 bankruptcy reorganization plan on September 25 that would auction off the 749 acres (3 square kilometers) it owns and other assets.

The sprawling campus, nestled among rolling wooded hills on the banks of the Guadalupe River, had several single-story cabins that housed some of the youngest campers and a recreation hall near the riverfront. A second campus on elevated ground was not flooded.

The Eastland family has owned the camp for decades and initially sought to reopen this summer. But they faced fierce opposition from victims’ families and some state lawmakers, lawsuits, and legislative investigations into what went wrong.

A buyer would likely get a portion of the camp frozen in time. Families of the victims have fought to stop any demolition of damaged cabins and buildings and stop repairs as part of their lawsuits.

The bankruptcy plan said the owners expect a purchaser would be backed by a group of families that support the camp.

“Nothing in the plan requires any buyer to operate the property as a camp,” the filing said, “but the plan states an express preference, in determining the highest or otherwise best bid, for a buyer that will maintain the historic mission of the camp.”

Twenty-five campers and two counselors were killed when the river surged over its banks in the pre-dawn hours of July 4, 2025. Camp owner and director Richard Eastland was also killed. At least 136 people were killed along a several-mile stretch of the river.

Earlier this month, state police investigators sought search warrants for the electronic communications of the camp's owners, saying they could provide evidence of manslaughter, negligent homicide, child abandonment, or other crimes.

No charges have been brought.

A probe by state lawmakers determined the camp’s young and inexperienced counselors were not trained for floods and other emergencies. It said an earlier decision to evacuate could have saved every life. Most of the victims were under age 10, and some were attending camp for the first time.

The camp's bankruptcy proposal would have to be approved by U.S. Bankruptcy Judge Christopher M. Lopez. Officials with Camp Mystic did not immediately respond to an emailed request for comment Monday.

All creditors, including the families who have sued Camp Mystic over the deaths, will have a chance to respond to the plan.

“The Eastlands are now attempting to determine the future of the Camp Mystic property, but the victims' families including my clients, will fight to protect their rights and ensure any sale is fair and transparent,” said Tim Ferguson, attorney for the family of 8-year-old Mary Grace Baker, one of the campers who died.

“The Bakers intend to continue fighting for answers, accountability and justice for their daughter,” Ferguson said.

bankruptcy chapter 11 deaths eastland family guadalupe river richard eastland texas flood victims families negligent homicide for sale real estate hill country campers killed camp mystic flood
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