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Texas

Gold IRA in Texas

What a Texan should know before moving a 401(k), TSP or IRA into physical gold and silver.

Direct transfers: no federal tax, no 20% withholdingOnly coins and bars that meet IRS purity rulesAsk for every fee in writing before you sign

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A plain-English guide to fees, storage and rollovers. Free, no obligation.

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    State rules

    What’s different in Texas

    No state income tax on withdrawals

    Texas has no personal income tax, so withdrawals from a traditional gold IRA are taxed by the IRS only.

    Source: Texas Constitution, art. 8, § 24-a

    A state-run vault can hold IRA metal

    The Texas Bullion Depository now holds precious-metal IRA assets through its IRS-approved operator. Your custodian decides which depositories it uses, so ask before you buy.

    Source: Texas Comptroller announcement

    No sales tax on bullion bought outside an IRA

    Texas exempts gold, silver and numismatic coins, and platinum, gold and silver bullion, from sales tax.

    Source: Texas Tax Code § 151.336 (H.B. 78, 2013)

    Where to complain

    Problems with a dealer or adviser can be reported in writing to the Texas State Securities Board.

    Source: Texas State Securities Board

    Tax rules change. This is general information checked on 24 October 2026, not tax advice; confirm with a tax professional.

    How it works

    Three parties, one account

    Custodian

    A bank or IRS-approved trustee opens the self-directed IRA, keeps the records and sends your statements.

    Dealer

    Goldco helps you choose coins or bars and arranges the purchase inside the IRA.

    Depository

    An insured, audited vault holds the metal for your account. It doesn’t have to be in Texas.

    Texas questions

    Gold IRA questions from Texas

    Will Texas tax my rollover?

    No. Texas has no personal income tax, and a direct transfer between custodians is not taxed by the IRS either.

    Can my gold be stored in Texas?

    Possibly. The Texas Bullion Depository accepts IRA metals through its operator, but only if your IRA custodian works with it. Many custodians use depositories in other states.

    Do I pay sales tax on IRA gold?

    Metal bought inside an IRA is a purchase by the IRA. Texas doesn’t charge sales tax on bullion or coins in any case.