NFL · Texas
Houston Texans take-home pay: what a $10,000,000 contract really pays
A Houston Texans player on $10,000,000 takes home about $5,615,000 — that is 56.1% of the headline number, after tax, agent commission and league deductions.
Take-home pay at three contract sizes
| Contract | Income tax | FICA / SE | Agent + escrow | Net | Kept |
|---|---|---|---|---|---|
| $1,000,000 | −$320,000 | −$43,500 | −$30,000 | $606,500 | 60.6% |
| $10,000,000 | −$3,650,000 | −$435,000 | −$300,000 | $5,615,000 | 56.1% |
| $40,000,000 | −$14,750,000 | −$1,740,000 | −$1,200,000 | $22,310,000 | 55.8% |
Where a $10,000,000 deal goes
| Deduction | Amount |
|---|---|
| Federal income tax | −$3,650,000 |
| Medicare / FICA | −$235,000 |
| Agent commission (3%) | −$300,000 |
| Jock tax (duty-day estimate) | −$200,000 |
| Total deductions | −$4,385,000 |
| Take-home pay | $5,615,000 |
Why Houston Texans keeps 56.1%
Texas levies no state income tax at all, which is why Dallas, Houston and San Antonio consistently top take-home rankings. The trade-off is higher property and sales taxes.
NFL contracts are not guaranteed beyond the signing bonus, and agent commission is capped at 3% by the NFLPA. The 2026 salary cap is $301.2M per club.
Same money, different tax market
| Team | Market | Top rate | Net |
|---|---|---|---|
| Houston Texans | Texas | 0% | $5,615,000 |
| Dallas Cowboys | Texas | 0% | $5,615,000 |
| San Francisco 49ers | California | 13.3% | $4,285,000 |
| Detroit Lions | Michigan | 4.3% | $5,190,000 |
Questions
How much does a Houston Texans player take home on a $10,000,000 contract?
About $5,615,000, or 56.1% of the headline figure. Income tax takes $3,650,000, agent commission takes $300,000 and FICA, self-employment tax and jock tax take the remaining $435,000.
Does Texas tax Houston Texans players?
No. Texas levies no income tax on wages, so a Houston Texans player's state or provincial deduction is zero. Only federal tax and the league deductions apply.