Minnesota Salary Calculator 2026
Exact take-home pay after all taxes + cost of living, average rent and childcare costs in Minnesota for 2026.
Take-Home Pay at Common Salary Levels
Pre-calculated take-home pay for a single filer in Minnesota in 2026, after all federal taxes, state income tax, Social Security and Medicare.
| Gross Salary | Annual Take-Home | Monthly | Eff. Tax Rate |
|---|---|---|---|
| $30,000 | $25,318 | $2,110 | 15.6% |
| $40,000 | $32,818 | $2,735 | 18.0% |
| $50,000 | $40,264 | $3,355 | 19.5% |
| $60,000 | $47,619 | $3,968 | 20.6% |
| $75,000 | $57,499 | $4,792 | 23.3% |
| $100,000 | $73,387 | $6,116 | 26.6% |
| $125,000 | $89,075 | $7,423 | 28.7% |
| $150,000 | $104,200 | $8,683 | 30.5% |
| $200,000 | $135,931 | $11,328 | 32.0% |
* Single filer, standard deduction only. Excludes 401(k), health premiums and local/city taxes.
Minnesota State Tax Rates
State income tax: Top rate 9.8% | State standard deduction: $14,575
| From | To | Rate |
|---|---|---|
| $0 | $31,690 | 5.35% |
| $31,690 | $104,090 | 6.80% |
| $104,090 | $193,240 | 7.85% |
| $193,240 | and above | 9.85% |
All Minnesota residents also pay federal income tax (10%β37%), Social Security (6.2% up to $176,100) and Medicare (1.45%). The 2026 federal standard deduction is $15,000 for single filers.
Monthly Expenses in Minnesota
Minnesota's cost of living index is 100.5 β 0% above the US national average. You need to earn above the national median to match the same standard of living as elsewhere.
Monthly Budget β Single Person in Minneapolis
Rental Market in Minnesota
| Size | Monthly Rent | Annual Cost |
|---|---|---|
| Studio | $1,000 | $12,000 |
| 1 Bedroom | $1,300 | $15,600 |
| 2 Bedrooms | $1,650 | $19,800 |
| 3 Bedrooms | $2,050 | $24,600 |
| 4 Bedrooms | $2,650 | $31,800 |
Minneapolis and other major Minnesota cities are typically 15β40% above this state average. Use the full calculator for city-level estimates.
Family Expenses in Minnesota
Infant daycare in Minnesota averages $1,350/month ($16,200/year) β roughly 22% of a $75,000 gross salary before tax.
| Household Type | Monthly Budget | Annual Budget |
|---|---|---|
| Single Person | $3,500 | $42,000 |
| Couple (2 Adults) | $5,200 | $62,400 |
| Family (2 Adults, 2 Kids) | $8,300 | $99,600 |
Working in Minnesota: What You Keep
Minnesota applies a state income tax with a top rate of 9.8%, on top of federal taxes. On a $75,000 salary, a single filer in Minnesota takes home approximately $57,499 per year ($4,792/month) with an effective total tax rate of 23.3%. At $100,000, take-home rises to approximately $73,387.
With a cost of living index of 100.5 versus the US national average of 100, Minnesota is 0% above average. Living costs are near the national average. The biggest expense is typically housing β a 1-bedroom apartment averages $1,300/month and the median home price is $320,000.
Data sources: IRS Revenue Procedure 2025-28, Minnesota Department of Revenue, Bureau of Labor Statistics, Zillow, Numbeo. Last verified January 2026 via automated AI monitoring.
Common Questions
How does Minnesota compare for take-home pay and cost of living?
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