In 2026, the financial landscape of Texas reflects its status as the second-largest economy in the U.S. While the state boasts significant wealth centers in cities like Austin, Dallas, and Houston, the "average" figures are often skewed by the state's high concentration of billionaires and Fortune 500 companies.
For a clearer picture, it is essential to distinguish between Average (mean) and Median (middle point) net worth, as the former is significantly influenced by extreme wealth at the top.
Texas Wealth Statistics (2026 Projections)
| Metric | Estimated Value (Texas) | Comparison to U.S. Average |
|---|---|---|
| Average Household Net Worth | $1,040,000 | ~5% lower than national avg |
| Median Household Net Worth | $182,500 | ~3-4% lower than national avg |
| Average Household Income | $109,933 | 3% lower than national avg |
| Median Household Income | $78,476 | 3% lower than national avg |
Net Worth by Age and Demographic in Texas
Net worth in Texas, much like the rest of the country, is highly dependent on age and stage of life. Older Texans typically hold the majority of the state's wealth due to home equity and mature retirement accounts.
- Under 35: Median net worth is roughly $39,000, largely tied up in vehicles and early-stage home equity.
- Ages 45–54: Wealth typically hits a "acceleration phase" with a median net worth of $247,000.
- Ages 65–74: Peak wealth years, with a median net worth of approximately $410,000, heavily anchored by paid-off primary residences.
The Wealth Divide: Top Texas Cities
Texas features some of the wealthiest zip codes in the United States. In 2026, high-income professionals in tech (Austin) and energy (Houston) drive massive averages that contrast with the state’s more affordable rural areas.
Top Richest Zip Codes (by Mean Income):
- Houston (77010): Average Income ~ $404,356
- Southlake (76092): Average Income ~ $383,015
- Dallas (75225): Average Income ~ $356,169
Factors Shaping Texas Wealth in 2026
- The "Real Estate Hedge": Despite higher mortgage rates in early 2026 (~6%), Texas homeowners have seen consistent equity growth, particularly in the "Texas Triangle" (DFW, Houston, Austin, San Antonio).
- No State Income Tax: Texas remains a premier destination for wealth building because it does not tax personal income, allowing residents to reinvest a larger portion of their earnings into assets.
- AI and Energy Boom: The integration of AI into the energy sector has bolstered the net worth of stakeholders in the Permian Basin and Houston’s "Energy Corridor."
Quotes & Taglines
- "In Texas, we don't just grow crops; we grow equity."
- "Your net worth is the harvest of your discipline."
- "Texas: No state tax, no limits on your legacy."
- "Build your fortress in the Lone Star State."
- "Wealth isn't what you spend; it's what you keep in Texas."
