OnlyFans Creator Taxes in Texas - 2025 Guide

Updated for 2025 (Filing 2024 Taxes)

Is OnlyFans Creator income taxable in Texas?

Yes, your income from OnlyFans is taxable at the federal level. The IRS considers income earned through platforms like OnlyFans as self-employment income. This means you'll report your earnings on Schedule C (Profit or Loss from Business) as a sole proprietor. You’ll calculate your profit (income minus expenses) on Schedule C, and this profit will then be transferred to your Form 1040 to determine your overall taxable income.

The good news for Texas residents is that Texas does not have a state income tax! This means you won’t need to file a state income tax return or pay state income tax on your OnlyFans earnings. However, you are still responsible for federal income and self-employment taxes.

Top Tax Write-offs for OnlyFans Creators

As a self-employed individual, you can significantly reduce your tax liability by claiming legitimate business expenses. Here are some common deductions for OnlyFans creators:

• Equipment: This includes cameras, lighting, computers, phones, and any other equipment used directly for creating content. You can either deduct the full cost in the year of purchase (using Section 179 deduction, subject to limits) or depreciate the cost over several years.
• Software & Subscriptions: Expenses for editing software (e.g., Adobe Creative Cloud), streaming software, website hosting, and OnlyFans subscription fees (the fees you pay to OnlyFans, not what your subscribers pay you) are deductible.
• Home Office Deduction: If you use a dedicated space in your home exclusively and regularly for your OnlyFans business, you may be able to deduct a portion of your rent/mortgage, utilities, and home insurance. The IRS has specific rules for this, so accurate record-keeping is crucial.
• Mileage: If you drive for business purposes (e.g., to purchase equipment, attend networking events, or for off-site shoots), you can deduct mileage. For 2024, the standard mileage rate is approximately 67 cents per mile. Keep a detailed mileage log with dates, destinations, and business purpose.

The 15.3% Self-Employment Tax Surprise

Many self-employed individuals are surprised by self-employment tax. When you're an employee, your employer pays half of your Social Security and Medicare taxes. As a self-employed individual, you're responsible for both the employer and employee portions, totaling 15.3% (12.4% for Social Security and 2.9% for Medicare).

You'll calculate this tax on Schedule SE (Self-Employment Tax). However, you only pay self-employment tax on 92.35% of your net earnings (your profit after deducting business expenses). The good news is you can deduct one-half of your self-employment tax from your gross income on Form 1040.

Closing Tip for Texas Residents

Being a Texas resident offers the benefit of no state income tax, but don’t let that lead to overlooking your federal tax obligations. Meticulous record-keeping is key to maximizing your deductions and minimizing your tax liability. Consider using accounting software or working with a qualified tax professional (like myself!) to ensure you’re compliant and taking advantage of all available tax benefits. Remember, estimated taxes are typically due quarterly to avoid penalties.