Filing taxes can be confusing, especially if you’re unsure whether you even need to file. Many people in Houston, Richmond, and surrounding areas wonder: “Do I need to file a tax return in 2026?”
The answer depends on your income, filing status, age, and type of earnings. In this guide, we’ll break it down step by step, answer the most common questions people ask, and provide local resources to help you file correctly or get professional assistance.
Who Needs to File a Tax Return in 2026?
- Who is required to file a tax return?
- Do I need to file if I’m self-employed or have a side hustle?
- What about retirees or people on Social Security?
The IRS requires you to file a tax return if your income exceeds certain thresholds based on your filing status and age. Here’s a quick overview for 2026:
| Filing Status | Under 65 | 65 or older |
|---|---|---|
| Single | $14,600 | $16,100 |
| Married Filing Jointly | $29,200 | $30,700 |
| Head of Household | $21,900 | $23,400 |
| Married Filing Separately | $5 | $5 |
| Qualifying Widow(er) | $29,200 | $30,700 |
Note: These amounts include gross income from all sources, including wages, self-employment, and unreported side income.
Even if your income is below these thresholds, you may still want to file to claim credits like the Earned Income Tax Credit (EITC) or the Child Tax Credit (CTC).
Do I Need to File If I’m Self-Employed or Freelancing?
- Do freelancers need to file taxes every year?
- What if I only made a few hundred dollars this year?
If you earned $400 or more from self-employment, you are required to file a federal tax return. This includes income from:
- Freelancing or gig work (Uber, DoorDash, Fiverr, etc.)
- Small business income
- Side jobs and hobby income
Even if your income is below the threshold, filing is often beneficial because it may allow you to:
- Deduct business expenses
- Contribute to a retirement account
- Claim credits you qualify for
What Happens If I Don’t File?
- Can I get in trouble for not filing a tax return?
- What penalties will the IRS charge?
Failing to file a required tax return can have serious consequences. The IRS can:
- Charge a failure-to-file penalty (usually 5% per month of unpaid tax)
- Charge a failure-to-pay penalty if you owe taxes
- Add interest on any unpaid balances
- Take collection actions, including bank levies or wage garnishments
Even if you can’t pay the full amount, filing a return protects you from failure-to-file penalties and allows you to set up payment plans with the IRS.
Do I Need to File If I’m Retired or on Social Security?
- Is Social Security taxable in Texas?
- Do retirees need to file a federal return?
In most cases, Social Security benefits alone are not taxable and do not require a return. However, if you have additional income, like pensions, interest, dividends, or part-time work, you may need to file.
For retirees in Houston or Richmond:
- Check your total gross income against IRS thresholds
- Consider filing if you qualify for refundable credits
- Filing can sometimes increase your refund, even if you have low income
Do I Need to File If I Had a Job But My Employer Withheld Taxes?
- Do I need to file if my W-2 taxes are already withheld?
- Will I get a refund if I file anyway?
Even if your employer withheld taxes, you may still want to file to claim a refund if too much tax was withheld. Filing also ensures the IRS has accurate records and keeps you in good standing.
Tips for Filing Taxes in Houston & Richmond, TX
- Organize Your Documents Early
Gather W-2s, 1099s, and other income records before starting. Keep a record of business expenses if you’re self-employed. - Check for Credits and Deductions
Credits like EITC, Child Tax Credit, and education deductions can reduce your taxes and increase your refund. - Consider Professional Help
If you have back taxes, owe the IRS, or have complex income (self-employment, multiple 1099s), tax professionals like Dacliche Concept Tax Services can help you file correctly and avoid penalties. - Local Options for Filing
- Dacliche Concept in Houston & Richmond, TX provides tax prep, tax planning, and IRS resolution.
- Free filing resources for qualified individuals are available through IRS Free File.
Common Questions Houston & Richmond Residents Ask
Q: Can I file late without penalties?
A: If you’re due a refund, filing late usually has no penalty. But if you owe, penalties and interest start accruing immediately.
Q: What if I made only a small amount of side income?
A: Even small amounts can require filing if you meet the self-employment threshold ($400+). Filing also helps you claim deductions.
Q: Can a tax professional help with unfiled returns?
A: Yes. Experts like Dacliche Concept can help you catch up on missed filings, negotiate with the IRS, and reduce penalties.
Conclusion
Not everyone needs to file a tax return in 2026, but knowing who does and why is critical to avoid penalties and maximize refunds.
For Houston and Richmond residents, filing on time and correctly is especially important if you:
- Have self-employment income
- Owe back taxes
- Receive Social Security or retirement income
- Want to claim tax credits
If you’re unsure whether you need to file or if you have IRS debt, it’s best to consult a local tax professional. Filing correctly and handling any outstanding tax issues now can save you stress, money, and legal headaches later.
Contact Dacliche Concept for tax prep and IRS resolution in Houston & Richmond, TX — and get peace of mind this tax season.