Family Medicine Physicians Salary in Irving, TX (2026)

The Salary Behind the Salary

Your $245,124 average salary in Irving looks solid on paper. Then you factor in the cost of living index of 103—just 3 points above the national average—and something shifts. That salary compresses to $237,984 in effective purchasing power. You're losing $7,140 annually to the local economy before taxes even enter the picture.

This isn't catastrophic. Irving isn't San Francisco or New York. But it's not a bargain either. You're paying a small premium for Texas real estate, utilities, and services that most Americans don't face. What this means for you: your headline number is about $7,000 higher than what you can actually spend.

What Job Listings Don't Tell You

Family Medicine Physicians in Irving earn $4,334 more than the national average of $240,790. That sounds like a win. But here's what job listings skip: that $4,334 gap evaporates once you account for Irving's cost structure. You're not ahead. You're treading water.

If you're a Family Medicine Physicians earning $245,124 in Irving, here's what your Tuesday actually looks like: You're taking home roughly $16,000–$17,000 monthly after federal and state taxes. Rent for a three-bedroom in a decent neighborhood runs $2,200–$2,800. Childcare (if applicable) is $1,500–$2,000 per month. Your student loan payments—if you carried debt through medical school—are another $1,500–$3,000. You've got maybe $8,000–$10,000 left for everything else: food, insurance, car payment, utilities, retirement savings.

The math works. But there's no margin for error. What this means for you: Irving pays you slightly above market rate, but the local cost of living neutralizes most of that advantage.

Where You Land in the Range

The 25th percentile earns $155,560. The median is $228,683. The 75th percentile hits $299,051. That's a $143,491 spread—massive.

If you're at the median, you're doing fine but not exceptional. You're in the middle of the pack. If you're below $200,000, you're likely early-career or in a lower-volume practice. If you're above $280,000, you've either built a strong patient base, moved into leadership, or negotiated aggressively.

How to move up the range

• Build patient volume and retention. Physicians at the 75th percentile typically have established practices with loyal patient bases and higher billing rates. This takes 3–5 years to compound.
• Pursue board certification or subspecialty training. Adding geriatric medicine, sports medicine, or occupational health credentials can justify higher billing codes and attract premium-paying employers.
• Negotiate based on productivity metrics. When your contract comes up, bring data: your patient satisfaction scores, RVU production, and retention rates. Irving's 3.2% growth suggests demand is steady—use that leverage.

Irving vs the National Average

Irving's 3.2% year-over-year growth is solid but not explosive. It's slightly below the national trend for physician salaries (which typically grow 3.5–4% annually). This suggests Irving is a stable market, not a hot one. The city has a growing population and decent healthcare infrastructure, but it's not attracting the kind of specialist migration or telehealth boom that's lifting salaries in Austin or Denver. You're getting steady work, not a feeding frenzy.

Read This Before You Relocate

Here's the catch: Texas has no state income tax, which sounds like a win until you realize Irving's property taxes are 1.6–1.8% annually—higher than most states' income tax rates on this salary. A $400,000 home costs you $6,400–$7,200 per year just in property tax. Add that to your federal burden, and your effective tax rate isn't as low as the "no state income tax" headline suggests. Factor this into your relocation math.

Should You Take the Irving Job?

• Choose Irving if: you're early-career, want to build a stable patient base in a growing metro area, and value Texas's no-state-income-tax structure despite higher property taxes.
• Skip Irving if: you're already established and can command $280,000+ elsewhere, or you're seeking a high-growth market where salaries are accelerating faster than 3.2% annually.

Cut Through the Noise

Irving pays you fairly—slightly above national average, but the cost of living takes most of that edge. The real question isn't whether $245,124 is good; it's whether you're in the bottom half of the range (median $228,683) or the top half. Your next move: pull your last three years of tax returns and calculate your actual take-home percentage. Then compare it to what you'd net in a lower-cost market at a lower salary. The difference might surprise you.