Self-employed in Irving, TX: taxes and retirement for 2026

What consultants, freelancers, content creators, entrepreneurs, gig workers, tipped workers and tradespeople in Irving, TX need to know this year: local taxes, Texas income and estimated tax rules, and how to save for retirement without an employer plan.

Guides for Texas

Consultants in Texas Freelancers in Texas Content Creators in Texas Entrepreneurs in Texas Gig Workers in Texas Bartenders & Servers in Texas Construction & Trades in Texas

Irving local rules

Local income tax: No city income tax in Irving.
Also worth knowing: No city income or earnings tax. Texas has no personal income tax (source: https://gov.texas.gov/business/page/business-climate). The official city site does not describe a general business license for home-based self-employed people, so that field is left null. Population is the U.S. Census Bureau Vintage 2025 estimate for July 1, 2025 (https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv). No official state list of places without a local income tax exists; Tax Foundation's 2023 local income tax primer (secondary source, https://files.taxfoundation.org/20230222173518/Local-Income-Taxes-A-Primer-2023.pdf) does not list Texas among the states whose localities levy income taxes, and we found no 2026 change. We found no city ordinance for gig, app-based or freelance workers.

Texas rules that apply in Irving

State income tax (2026): Texas has no state income tax on wages or self-employment income. Texas has no personal income tax. Its constitution bans a tax on individuals' net income, including their share of partnership income (Art. VIII, Sec. 24-a), and a 2025 amendment also bans taxing individuals' capital gains (Sec. 24-b).
Texas franchise (margin) tax: Applies to LLCs, including a single-member LLC that files federally as a sole proprietor; a sole proprietorship with no liability protection is not covered. For 2026 and 2027 reports, an entity with total revenue at or below $2.65 million owes no tax and files only a Public Information Report or Ownership Information Report. Above that, rates are 0.75% (0.375% for retail and wholesale, or 0.331% with the EZ computation).
Minimum wage (2026): $7.25 an hour; tipped cash wage $2.13 an hour. Texas adopts the federal minimum wage of $7.25 (Texas Workforce Commission, https://www.twc.texas.gov/programs/texas-minimum-wage-law). Tipped employees (more than $20 a month in tips) can be paid a $2.13 cash wage if tips bring them to $7.25 (U.S. DOL table, last updated July 1, 2026).
Rideshare (TNC) driver independent contractor statute (Occupations Code 2402.114): A rideshare driver is an independent contractor for all purposes if the company does not set the hours the driver must be logged in, does not limit use of other rideshare apps or the driver's territory, does not restrict other work, and both sides agree in writing that the driver is a contractor. Enacted by H.B. 100 in 2017.
TWC marketplace platform rule (40 TAC 815.134(b)): Since April 29, 2019, a Texas Workforce Commission rule treats people who get work through a marketplace platform as not employed for state unemployment tax purposes if nine conditions are met. These include setting their own hours, being free to use other platforms, paying their own expenses and providing their own tools.

Questions

Is there a local income tax in Irving?

No city income tax applies in Irving. Texas has no state income tax on wages or self-employment income.

Do self-employed people in Texas pay state income tax?

Texas has no state income tax on wages or self-employment income. Texas has no personal income tax. Its constitution bans a tax on individuals' net income, including their share of partnership income (Art. VIII, Sec. 24-a), and a 2025 amendment also bans taxing individuals' capital gains (Sec. 24-b).

Are there other Texas taxes for self-employed self-employed people?

Texas franchise (margin) tax: Applies to LLCs, including a single-member LLC that files federally as a sole proprietor; a sole proprietorship with no liability protection is not covered. For 2026 and 2027 reports, an entity with total revenue at or below $2.65 million owes no tax and files only a Public Information Report or Ownership Information Report. Above that, rates are 0.75% (0.375% for retail and wholesale, or 0.331% with the EZ computation).

Track it in one place

Gigaverse estimates your quarterly taxes from what you actually earn, logs business trips, categorizes expenses from your bank and answers money questions with your own numbers.

Free · Takes 10 seconds · First 1,000 in line get launch perks

On Android? Get the app on Google Play

Get it onGoogle Play On iPhone? Use it on the web

Sources

Facts researched from official sources and independently re-checked; last verified October 2026, next scheduled review 2027-01-02. Educational information for 2026, not tax, legal or investment advice. Rules change; check the official sources listed and a tax professional for your situation. Gigaverse AI, Inc. is a financial technology company, not a bank, and not itself a registered investment adviser or broker-dealer.