Marketplace subsidies in Texas
Who is inside the 2026 marketplace subsidy range? A household of four is measured against $33,000. Texas has not adopted the full ACA Medicaid expansion.
The largest 2-bedroom Fair Market Rent gap among ranked metros in Texas is $800: Austin at $1,817 and McAllen at $1,017.
Texas has no tax on wages. Combined state and local sales tax is 8.2%. The ACS effective property tax rate is 1.31%.
A household of four with $48,000 of income is about 145 percent of the $33,000 poverty guideline and is likely eligible for Marketplace premium tax credits. Likely inside the 2026 subsidy range.
Limits behind the page
| Household | 100% | 138% | 185% |
|---|---|---|---|
| 1 | $15,960 | $22,025 | $29,526 |
| 2 | $21,640 | $29,863 | $40,034 |
| 3 | $27,320 | $37,702 | $50,542 |
| 4 | $33,000 | $45,540 | $61,050 |
An illustrative household
Two adults, ages 34 and 32, filing jointly, plus children ages 8 and 3. Gross income $48,000 a year, about 145 percent of the poverty guideline in Texas. They rent. Nobody is marked disabled or pregnant.
Marketplace premium tax credits
Likely eligibleLikely inside the 2026 subsidy range
- Enhanced premium tax credits expired on January 1, 2026. This screen uses the 100 to 400 percent of poverty range for premium tax credits and does not estimate a premium dollar amount.
- Income is about 145 percent of poverty, inside the 100 to 400 percent premium-tax-credit range.
Food stamps (SNAP) tools in Texas
Other programs in Texas
- Food stamps (SNAP)
- Medicaid and CHIP
- WIC
- School meals
- LIHEAP
- Earned Income Tax Credit
- Child Tax Credit
- Lifeline
- SSI
- State programs
Large metros in Texas
- Dallas-Fort Worth-Arlington, TX · 2-bedroom FMR $1,807
- Houston-Pasadena-The Woodlands, TX · 2-bedroom FMR $1,497
- San Antonio-New Braunfels, TX · 2-bedroom FMR $1,441
- Austin-Round Rock-San Marcos, TX · 2-bedroom FMR $1,817
- McAllen-Edinburg-Mission, TX · 2-bedroom FMR $1,017
- El Paso, TX · 2-bedroom FMR $1,146