North Dakota runs a graduated state income tax in 2026, with rates from 0% up to 2.5% depending on how much you earn, on top of federal income tax and FICA. Single filers get a standard deduction of $16,100. Use the calculators below to see your exact 2026 take-home pay in North Dakota, check the sales tax on a purchase, and estimate a mortgage payment with North Dakota property taxes factored in.
State Paycheck Calculator 2026
Estimate take-home pay after federal tax, FICA and your state’s income tax for the 2026 tax year.
How it works: the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly) comes off your salary first, then the 2026 federal brackets (10%–37%). FICA is applied properly: 6.2% Social Security on the first $184,500 of wages (2026 wage base), 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above $200,000 single / $250,000 married filing jointly. State tax applies each state’s own standard deduction/exemptions, then its brackets or flat rate. Local income taxes are not included — many cities and counties (e.g. New York City, Philadelphia, most of Ohio, Maryland counties, Indiana counties, Kentucky) levy their own payroll taxes on top of the state tax.
North Dakota sales tax calculator
The statewide base sales tax rate in North Dakota is 5% in 2026. Cities and counties can add their own local tax on top of the base rate — enter any local add-on below to see the full tax and total price.
Sales Tax Calculator 2026
Estimate the sales tax and total price using each state’s base rate (2026), plus any local add-on.
State base rates are the 2026 state-level rates (local add-ons excluded). Actual combined rates vary widely by city and county — many localities add 1–5%. Five states have no statewide sales tax (Alaska, Delaware, Montana, New Hampshire, Oregon), though some localities still levy local taxes.
Mortgage calculator for North Dakota homes
The average effective property tax rate in North Dakota is about 0.99% of a home’s value per year. When you use the mortgage calculator below, enter roughly that percentage of the home price in the yearly property tax field for a realistic North Dakota monthly payment.
Mortgage Payment Calculator
Work out your monthly principal & interest payment, total interest and the true total cost of your loan.
How it works: your loan amount (price minus down payment) is repaid in equal monthly instalments using the standard amortisation formula, so early payments are mostly interest and later ones mostly principal. Property tax and insurance, if entered, are simply spread evenly across each month. Your actual rate and payment will depend on your lender, credit profile and the deal you choose.
$203.29. That’s the entire North Dakota state income tax on a $75,000 salary. Not a typo — two hundred and three dollars. North Dakota stacks two shelters on top of each other: your tax starts from federal taxable income, so the $16,100 federal deduction is already gone, and then the state taxes the next $48,475 at a rate of exactly 0%. Most wage earners in North Dakota owe the state less than the cost of a decent winter coat, which, in Fargo, is saying something.
Income tax in North Dakota in 2026
Officially, North Dakota has three brackets for single filers: 0% on taxable income up to $48,475, 1.95% from there to $244,825, and 2.50% above that. In practice, the first bracket is the story. Because your starting point is federal taxable income — salary minus the $16,100 federal standard deduction — a single filer doesn’t owe a cent of state tax until their salary passes roughly $64,575.
Even above that line, the 1.95% rate is a whisper. You’d need a salary deep into six figures before North Dakota’s tax becomes a real budget item, and the 2.50% top rate doesn’t bite until taxable income passes $244,825.
One honest caveat: the bracket thresholds used here are the latest published figures available when this page was prepared and are subject to confirmation by the state — North Dakota indexes its brackets for inflation, and the state tax commissioner publishes the final adjusted widths. The rates themselves (0%, 1.95%, 2.50%) are set in statute. Either way, the adjustments move the thresholds by small amounts; nobody’s bill doubles.
Oil money is the reason any of this is possible. Energy revenue fills state coffers that other states fill from paychecks, and residents get the difference back every payday.
Worked example: $75,000 salary, single filer
Step 1 — Federal tax. $75,000 − $16,100 = $58,900 taxable, or $7,670.00 for 2026.
Step 2 — FICA. Social Security and Medicare: $5,737.50.
Step 3 — North Dakota tax. Your state taxable income is $58,900. The first $48,475 is taxed at 0% — that’s $0. The remaining $10,425 is taxed at 1.95%, which is $203.29. Yes, that’s the whole calculation.
Step 4 — Take-home pay. $75,000 − $7,670.00 − $5,737.50 − $203.29 = $61,389.21 a year, about $2,361.12 bi-weekly. North Dakota just kept all but $203 of the state tax that, say, Minnesota — right next door, with its 5.35% starting rate and far stingier shelters — would have turned into a four-figure bill. The Red River is also a tax border, and Grand Forks residents know exactly which side of it they prefer at payday.
Sales tax in North Dakota
The state rate is 5.00%, so a $1,000 purchase carries $50 of state sales tax. Cities and counties can add local taxes on top — Fargo and Bismarck shoppers pay more than the base — but North Dakota’s combined rates stay in the moderate band nationally.
One local ritual worth knowing: Minnesotans near the border cross into North Dakota for big-ticket items when the combined rate favors it, and North Dakotans do the reverse into Minnesota for clothing, which Minnesota exempts. Border-state tax shopping is a way of life up here. The calculator on this page works off the 5.00% state base.
Property tax in North Dakota
The average effective rate is 0.99% — on a $300,000 home, roughly $2,970 a year. That’s middle of the pack nationally, and easily the largest state-level tax most North Dakota homeowners actually feel.
North Dakota softens it with a primary residence credit that has been expanded in recent years, knocking a flat amount off the bill for owner-occupied homes. Even so, when residents complain about taxes in Bismarck hearings, they’re complaining about this one — the income tax barely registers, so property tax carries the whole argument.
Frequently asked questions
How can the tax on $75,000 really be just $203?
Two shelters stack. The federal standard deduction removes $16,100 before the state starts, then the state’s own 0% bracket covers the next $48,475. Only $10,425 of a $75,000 salary is ever exposed to a positive rate, and that rate is 1.95%.
At what salary does North Dakota tax actually start?
For a single filer taking the standard deduction, around $64,575 of salary — that’s the $16,100 federal deduction plus the $48,475 zero bracket. Earn less than that and your state income tax is $0.
I live in North Dakota but work in Minnesota. Which state taxes me?
Minnesota taxes the income you earn there — but Minnesota and North Dakota have a reciprocity agreement for wages, so if you file the right form with your employer, only North Dakota taxes your paycheck. Given the numbers on this page, it’s a form worth filing.
Does North Dakota tax Social Security or pensions?
Social Security is exempt. Other retirement income goes through the same brackets — which, given the 0% band, means modest pension income often ends up taxed at or near zero anyway.
Don’t take the $203 on faith — enter your own salary in the calculator above and watch how slowly the North Dakota number grows. Then try the Minnesota page with the same salary, if you want to feel better about living west of the river.
These calculators are for guidance only and aren’t financial advice.