What Accountants and Auditors earn in Montgomery County, TX
According to the latest federal wage data for the Houston-Pasadena-The Woodlands, TX metropolitan area, the median pay for Accountants and Auditors in Montgomery County, TX is $85,090 a year, or $40.91 an hour. After federal income tax, Social Security, Medicare (and no state income tax), the paycheck shrinks to $68,412 a year, and rent, food and energy take another bite. The sections below walk through each step with the actual math for Montgomery County, TX.
The mean wage is $95,640, which is 12.4% above the median, a sign that a group of high earners lifts the average. The survey counts about 28,400 people working in this occupation across the Houston-Pasadena-The Woodlands, TX metropolitan area, so the estimate rests on a substantial pool of workers. Montgomery County, TX has roughly 684,432 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Accountants and Auditors in the Houston-Pasadena-The Woodlands, TX metropolitan area is not one number. The lowest-paid tenth of workers earn up to $58,780 a year ($28.26 an hour), while the highest-paid tenth earn $144,190 or more ($69.32 an hour). That is a gap of $85,410 between the bottom and the top of the scale. The middle half of workers falls between $72,470 at the 25th percentile and $109,670 at the 75th percentile. A top-tier earner makes 2.5 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Converted to an hourly wage, the median for Accountants and Auditors in Montgomery County, TX is $40.91. A full-time schedule of 40 hours for 52 weeks adds up to $85,090, and the same salary is $7,091 a month before taxes or about $3,273 per biweekly pay period. After taxes the same job pays $32.89 per hour of take-home income, which is the number that actually has to cover rent and groceries.
How pay in Montgomery County, TX compares
Compared with the Texas average
Montgomery County, TX pays above the state benchmark. The Texas employment-weighted average for Accountants and Auditors is $81,424; the local median of $85,090 beats it by $3,666, or 4.5%. Within Texas, Montgomery County, TX already has the highest median we track for this job.
Compared with the national average
The national employment-weighted average for Accountants and Auditors is $86,390 across the contiguous United States. At $85,090, Montgomery County, TX pays $1,300 less, which is 1.5% below that benchmark. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Montgomery County, TX
Among the 618 occupations with published wages in Montgomery County, TX, Accountants and Auditors ranks number 147 by median pay, ahead of about 76% of them. The best-paying occupation we track here is General and Operations Managers at $119,600 a year, which is $34,510 more than the median for Accountants and Auditors.
From gross pay to take-home pay
A salary of $85,090 does not arrive in full. We model a single filer with wage income only, the standard deduction and tax-year 2025 rules, and we keep the three tax layers apart: federal income tax, FICA (Social Security and Medicare) and state income tax. Together they take $16,678 a year, which leaves $68,412, or $5,701 a month.
Put another way, of every $100 earned, about $20 goes to taxes and $80 reaches the paycheck. The overall effective tax rate is 19.6%.
Federal income tax
After the $15,750 standard deduction, taxable income is $69,340. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 22% bracket. The resulting federal income tax is $10,169, an effective 12.0% of gross pay, well below the 22% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $5,276 on this salary. Medicare takes 1.45%, or $1,234. FICA totals $6,509, which is 7.6% of gross pay.
State income tax in Texas
There is no state income tax on wages in Texas, which means Accountants and Auditors in Montgomery County, TX keep the full $68,412 left after federal and payroll taxes. For scale, a hypothetical flat 5% state tax on this salary would cost about $4,255 a year, so the absence of a state tax is worth roughly $355 a month.
A cross-check with IRS data for Montgomery County, TX
IRS Statistics of Income data for Montgomery County, TX show an average adjusted gross income of $114,601 per return and an average effective federal income tax rate of 15.9% across all filers. Filers in the $75,000 to under $100,000 bracket, where this salary falls, paid an average of 8.5%, compared with the 12.0% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Montgomery County, TX
Take-home pay only means something next to what life costs. We price four basics for one adult in Montgomery County, TX: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $68,412 of take-home pay.
Rent
The HUD Fair Market Rent for a one-bedroom apartment in Montgomery County, TX is $1,261 a month, or $15,132 a year. A two-bedroom costs $1,497 a month. For Accountants and Auditors, a one-bedroom absorbs 22.1% of take-home pay and 17.8% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 4.0% of gross pay for Accountants and Auditors in Montgomery County, TX. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using Texas residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $1,578 a year and other home energy such as natural gas about $719, for $2,297 in total. Gasoline in Texas averages $2.88 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,334.
What is left over
Add the four basics together and living costs come to $22,199 a year, 32% of take-home pay. That leaves $46,213 a year, or $3,851 a month, for savings, transportation beyond fuel, health care, debt and everything else. That margin equals 54.3% of gross pay, a comfortable cushion by common budgeting rules.
Can Accountants and Auditors afford to live in Montgomery County, TX?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $85,090 that ceiling is $2,127 a month. The one-bedroom Fair Market Rent of $1,261 is $866 under it, so rent fits the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $24.25 an hour; the median for Accountants and Auditors is $40.91, which is 69% above that mark. Another way to see it: at $32.89 of take-home pay an hour, a one-bedroom takes about 8.8 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,497 a month means $749 each. Compared with renting a one-bedroom alone, that saves $6,150 a year. With a roommate, the yearly margin after the basics becomes $52,363.
How fast you can save
At $3,851 a month of margin, building a $10,000 emergency fund would take about 3 months. Setting aside half of the margin stretches the same goal to about 6 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Accountants and Auditors pay in Montgomery County, TX
What is the hourly wage for Accountants and Auditors in Montgomery County, TX?
The median is $40.91 per hour, based on $85,090 a year over 2,080 hours. Hourly pay runs from about $28.26 at the 10th percentile to $69.32 at the 90th percentile.
What is the take-home pay for Accountants and Auditors in Montgomery County, TX?
After federal income tax, FICA, the median salary of $85,090 becomes $68,412 a year. That is $5,701 a month, $2,631 every two weeks or $1,316 a week.
What percentage of pay goes to taxes for Accountants and Auditors in Montgomery County, TX?
Total taxes are $16,678 a year, an effective rate of 19.6%: $10,169 federal income tax, $6,509 FICA and no Texas income tax.
Is pay for Accountants and Auditors in Montgomery County, TX above the Texas average?
Yes. The local median of $85,090 is +4.5% versus the Texas average of $81,424, a difference of $3,666 a year.
Is a one-bedroom rent affordable on the median Accountants and Auditors salary in Montgomery County, TX?
A one-bedroom costs $1,261 a month against take-home pay of $5,701, which is 22.1% of take-home pay. That meets the 30%-of-gross guideline, which allows up to $2,127 a month.
How much is left after rent, food and energy for Accountants and Auditors in Montgomery County, TX?
About $3,851 a month ($46,213 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $22,199 a year.
What hourly wage covers a one-bedroom in Montgomery County, TX at the 30% guideline?
$24.25 an hour for a full-time schedule, calculated as the $15,132 annual rent divided by 0.30 and by 2,080 hours. The median for Accountants and Auditors is $40.91.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the Houston-Pasadena-The Woodlands, TX metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the Texas rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.