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How much can step deck owner-operators earn in Texas (TX)? Estimated rates, gross and net monthly income, cost of living impact, fuel costs, and top lanes in the South Central region.
Rate Per Mile
$3.77
+17.8% vs national
Est. Gross Monthly
$26,390
-3.0% vs national
Est. Net Monthly
$16,903
After COL-adjusted expenses
| Metric | Texas | National Avg | Diff |
|---|---|---|---|
| Rate/Mile | $3.77 | $3.20 | +17.8% |
| Gross Monthly | $26,390 | $27,200 | -3.0% |
| Est. Net Monthly | $16,903 | $17,680 | -4.4% |
| Cost of Living | 93 (Below Average) | 100 (Baseline) | -7% |
| Fuel Tax | 20.0c/gal | ~32c/gal | Below avg |
Texas's below-average cost of living (index 93) is a genuine advantage for step deck owner-operators. Your $3.77/mile rate stretches further here — fuel, food, housing, and operating costs are all lower than the national baseline. This makes TX one of the better states for net take-home pay.
| Category | Est. Monthly | % of Gross |
|---|---|---|
| Fuel | $3,927 | 14.9% |
| Insurance | $1,056 | 4.0% |
| Truck Payment / Lease | $1,800 | 6.8% |
| Maintenance & Repairs | $1,320 | 5.0% |
| Tires | $300 | 1.1% |
| Permits & Licenses | $140 | 0.5% |
| Food & Living | $744 | 2.8% |
| Phone / Software | $200 | 0.8% |
| Total Expenses | $9,487 | 35.9% |
| Net Take-Home | $16,903 | 64.1% |
Expenses adjusted for Texas's cost of living index (93). Actual costs vary by individual circumstances.
Texas's fuel tax of 20.0 cents/gallon is below the national average (~32c), giving step deck carriers a fuel cost advantage. At 5-6 MPG, this saves approximately $180/month compared to higher-tax states. Combined with very high freight volume, TX offers solid margin potential.
| State | Rate/Mile | Gross/Mo | Fuel Tax |
|---|---|---|---|
| Texas (TX) | $3.77 | $26,390 | 20.0c |
| Arizona (AZ) | $3.74 | $26,180 | 26.0c |
| New Mexico (NM) | $3.59 | $25,130 | 18.875c |
| Oklahoma (OK) | $3.61 | $25,270 | 19.0c |
A good dispatch service can boost your per-mile rate by $0.15-$0.40 through better load negotiation, reduced deadhead, and detention pay recovery.