Calculate your net paycheck in Minnesota after federal taxes, the 9.85% top state income tax rate, and FICA deductions. Formula shown, sources cited β no account required.
Minnesota has one of the steepest income tax structures in the country, with a top marginal rate of 9.85% that applies to income above roughly $183,000 for single filers. Most median earners land in the 6.80% or 7.85% brackets rather than the top rate, but the burden is still meaningfully higher than most states. The median household income of $87,117 keeps many families in the 6.80% bracket. The cost-of-living index of 93.6 puts everyday expenses slightly below the national average, which softens the tax bite somewhat. A dollar in Minnesota stretches a bit further than the national baseline on groceries, utilities, and most services β though housing in the Twin Cities has grown more expensive in recent years. Workers considering a move to Minnesota should run a full comparison, because the income tax premium can offset the cost-of-living savings depending on their earnings level. Use the salary calculator to see your Minnesota take-home after state brackets, federal withholding, and FICA deductions.
βΉMinnesota's top state income tax rate of 9.85% is among the highest in the US. At the state median income of $87,117, state taxes add up to an estimated $4,291 per year in additional withholding.
High State Taxes in Minnesota: What Your Paycheck Actually Looks Like
Every paycheck in Minnesota is subject to federal income tax, FICA (Social Security at 6.2% and Medicare at 1.45%), and Minnesota state income tax of up to 9.85%.
The median household income in Minnesota is $87,117/year. At that income level, a single filer faces a federal effective tax rate of roughly 12β15%, plus FICA of 7.65%, plus state taxes of several percent.
Minnesota vs. National Average
| Tax | Minnesota | National |
|---|
| State Income Tax (top rate) | 9.85% | ~5.5% avg |
| Federal Income Tax (median earner) | ~12% | ~12% |
| FICA (SS + Medicare) | 7.65% | 7.65% |
| Cost of Living Index | 93.6 | 100 |