What Waiters and Waitresses earn in Bandera County, TX
According to the latest federal wage data for the San Antonio-New Braunfels, TX metropolitan area, the median pay for Waiters and Waitresses in Bandera County, TX is $28,110 a year, or $13.51 an hour. After federal income tax, Social Security, Medicare (and no state income tax), the paycheck shrinks to $24,715 a year, and rent, food and energy take another bite. The sections below walk through each step with the actual math for Bandera County, TX.
The mean wage is $31,400, which is 11.7% above the median, a sign that a group of high earners lifts the average. The survey counts about 20,320 people working in this occupation across the San Antonio-New Braunfels, TX metropolitan area, so the estimate rests on a substantial pool of workers. Bandera County, TX has roughly 22,021 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Waiters and Waitresses in the San Antonio-New Braunfels, TX metropolitan area is not one number. The lowest-paid tenth of workers earn up to $17,070 a year ($8.21 an hour), while the highest-paid tenth earn $47,800 or more ($22.98 an hour). That is a gap of $30,730 between the bottom and the top of the scale. The middle half of workers falls between $18,260 at the 25th percentile and $37,440 at the 75th percentile. A top-tier earner makes 2.8 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Employers quote this occupation by the hour or by the year, so here are both: $13.51 an hour or $28,110 a year at the median for Bandera County, TX. Before any deductions, that is $2,343 a month, $1,081 every two weeks and $541 each week. After taxes the same job pays $11.88 per hour of take-home income, which is the number that actually has to cover rent and groceries.
How pay in Bandera County, TX compares
Compared with the Texas average
A worker in this occupation in Bandera County, TX earns $4,251 more than the Texas average of $23,859, a premium of 17.8%. Over a year that premium is worth $4,251 before tax and roughly $3,738 after tax. Within Texas, Bandera County, TX already has the highest median we track for this job.
Compared with the national average
The national employment-weighted average for Waiters and Waitresses is $33,856 across the contiguous United States. At $28,110, Bandera County, TX pays $5,746 less, which is 17.0% 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 Bandera County, TX
Among the 549 occupations with published wages in Bandera County, TX, Waiters and Waitresses ranks number 539 by median pay, ahead of about 2% of them. The best-paying occupation we track here is General and Operations Managers at $99,790 a year, which is $71,680 more than the median for Waiters and Waitresses.
From gross pay to take-home pay
Three separate tax bills sit between the gross salary and the bank account: federal income tax, FICA, and state income tax. For Waiters and Waitresses earning the Bandera County, TX median of $28,110, they add up to $3,395. The result is $24,715 of take-home pay a year ($2,060 a month), based on a single filer using the standard deduction.
Put another way, of every $100 earned, about $12 goes to taxes and $88 reaches the paycheck. The overall effective tax rate is 12.1%.
Federal income tax
After the $15,750 standard deduction, taxable income is $12,360. 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 12% bracket. The resulting federal income tax is $1,245, an effective 4.4% of gross pay, well below the 12% 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 $1,743 on this salary. Medicare takes 1.45%, or $408. FICA totals $2,150, which is 7.7% of gross pay.
State income tax in Texas
Texas does not tax wage income, so the state income tax line for Waiters and Waitresses in Bandera County, TX is $0. That alone leaves more in the paycheck than the same salary would in a state with an income tax. For scale, a hypothetical flat 5% state tax on this salary would cost about $1,406 a year, so the absence of a state tax is worth roughly $117 a month.
A cross-check with IRS data for Bandera County, TX
IRS Statistics of Income data for Bandera County, TX show an average adjusted gross income of $82,464 per return and an average effective federal income tax rate of 13.1% across all filers. Filers in the $25,000 to under $50,000 bracket, where this salary falls, paid an average of 5.3%, compared with the 4.4% 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 Bandera County, TX
Take-home pay only means something next to what life costs. We price four basics for one adult in Bandera County, TX: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $24,715 of take-home pay.
Rent
Housing is the largest line in most budgets. For Bandera County, TX, HUD sets the Fair Market Rent for a one-bedroom unit at $1,196 a month ($14,352 a year), and at $1,441 for two bedrooms. For Waiters and Waitresses, a one-bedroom absorbs 58.1% of take-home pay and 51.1% 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 12.2% of gross pay for Waiters and Waitresses in Bandera 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
Rent, food, energy and gasoline cost $21,419 a year in Bandera County, TX. Subtract that from $24,715 of take-home pay and $3,296 remains, which is $275 a month of breathing room. That margin equals 11.7% of gross pay, a workable but modest cushion.
Can Waiters and Waitresses afford to live in Bandera 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 $28,110 that ceiling is $703 a month. The one-bedroom Fair Market Rent of $1,196 is $493 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $23.00 an hour; the median for Waiters and Waitresses is $13.51, which is 41% below that mark. Another way to see it: at $11.88 of take-home pay an hour, a one-bedroom takes about 23.2 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,441 a month means $721 each. Compared with renting a one-bedroom alone, that saves $5,706 a year. With a roommate, the yearly margin after the basics becomes $9,002.
How fast you can save
At $275 a month of margin, building a $10,000 emergency fund would take about 37 months (3.1 years). Setting aside half of the margin stretches the same goal to about 74 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Waiters and Waitresses pay in Bandera County, TX
How much do Waiters and Waitresses make per hour in Bandera County, TX?
The median is $13.51 per hour, based on $28,110 a year over 2,080 hours. Hourly pay runs from about $8.21 at the 10th percentile to $22.98 at the 90th percentile.
How much do Waiters and Waitresses take home after taxes in Bandera County, TX?
After federal income tax, FICA, the median salary of $28,110 becomes $24,715 a year. That is $2,060 a month, $951 every two weeks or $475 a week.
How much tax do Waiters and Waitresses pay in Bandera County, TX?
Total taxes are $3,395 a year, an effective rate of 12.1%: $1,245 federal income tax, $2,150 FICA and no Texas income tax.
Do Waiters and Waitresses earn more in Bandera County, TX than elsewhere in Texas?
Yes. The local median of $28,110 is +17.8% versus the Texas average of $23,859, a difference of $4,251 a year.
Can Waiters and Waitresses afford a one-bedroom apartment in Bandera County, TX?
A one-bedroom costs $1,196 a month against take-home pay of $2,060, which is 58.1% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $703 a month.
What is the monthly budget margin for Waiters and Waitresses in Bandera County, TX?
About $275 a month ($3,296 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $21,419 a year.
What hourly wage covers a one-bedroom in Bandera County, TX at the 30% guideline?
$23.00 an hour for a full-time schedule, calculated as the $14,352 annual rent divided by 0.30 and by 2,080 hours. The median for Waiters and Waitresses is $13.51.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the San Antonio-New Braunfels, 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.