Minnesota runs a graduated state income tax in 2026, with rates from 5.35% up to 9.85% depending on how much you earn, on top of federal income tax and FICA. Single filers get a standard deduction of $15,300. Use the calculators below to see your exact 2026 take-home pay in Minnesota, check the sales tax on a purchase, and estimate a mortgage payment with Minnesota 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.
Minnesota sales tax calculator
The statewide base sales tax rate in Minnesota is 6.875% 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 Minnesota homes
The average effective property tax rate in Minnesota is about 1.02% 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 Minnesota 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.
9.85%. That’s Minnesota’s top income tax rate, and only a handful of states in America go higher. You won’t hit it on a middle-class salary — but you’ll feel the system that produced it, because Minnesota starts taxing at 5.35% from the first taxable dollar and climbs fast. If you’re moving here for a job, the paycheck math deserves a close look before you sign.
Income tax in Minnesota in 2026
Minnesota is progressive, with four brackets for a single filer:
- 5.35% on taxable income from $0 to $33,310
- 6.80% on taxable income from $33,310 to $109,430
- 7.85% on taxable income from $109,430 to $203,150
- 9.85% on taxable income over $203,150
Read that first bracket again. 5.35% is where Minnesota starts, not where it ends. Plenty of states open at 2% or 3%. Minnesota doesn’t do gentle on-ramps.
You do get a solid standard deduction: $15,300 for a single filer. That’s close to the federal amount, though it’s set by the state, not copied from Washington — and it’s reduced if your federal adjusted gross income goes over $244,400. There’s no personal exemption for yourself. But there is a dependent exemption of $5,300, which matters for families even if it doesn’t change the single-filer example below.
And high earners should know about one more levy. Minnesota also charges a 1% surtax on net investment income over $1 million. It won’t touch a wage earner at $75,000. If you sell a business or a large portfolio, though, it’s a very Minnesota surprise.
Worked example: $75,000 salary, single filer
Step 1: If you earn $75,000 in Minnesota, here’s what actually lands in your account. Subtract the $15,300 standard deduction from gross pay. Your state taxable income is $59,700.
Step 2: Now work up the brackets. The first $33,310 is taxed at 5.35%, and the remaining $26,390 at 6.80%. You don’t reach the 7.85% bracket at this salary. Total Minnesota tax is $3,576.61. On your full gross pay that’s an effective rate of about 4.8% — the deduction is doing real work here, pulling your average rate below even the lowest bracket.
Step 3: Federal tax next. After the federal standard deduction of $16,100, federal income tax is $7,670.00.
Step 4: FICA totals $5,737.50 — $4,650.00 for Social Security plus $1,087.50 for Medicare.
Step 5: Subtract state tax, federal tax and FICA from $75,000. Take-home pay is $58,015.89 a year, or about $2,231.38 bi-weekly before benefits and retirement contributions.
Sales tax in Minnesota
The state base rate is 6.875%. One of the higher state rates in the country, before anyone adds anything.
On a $1,000 purchase, the state portion alone is $68.75. But local add-ons are common, and in many metro areas the combined rate pushes above 8%. So the register total in Minneapolis or St. Paul can feel quite different from the headline state figure. The catch is that 6.875% is the floor, not the ceiling.
Property tax in Minnesota
Minnesota’s average effective property tax rate is 1.02%. That’s a statewide average — your county, school district and city levies, plus how your home is classified and assessed, will set your actual bill.
At 1.02%, a $300,000 home costs about $3,060 a year in property tax. Middle of the pack nationally, roughly. It’s not the bargain you’ll find in some southern states, and it’s not the shock you’ll get in high-tax states in the Northeast either. For Minnesota, the bigger cost story is usually income tax, not the house.
Frequently asked questions
Is Minnesota’s 9.85% rate really one of the highest in the US?
Yes. Few states set a top marginal rate that high, though it only applies to taxable income over $203,150 for a single filer.
Do I get both a standard deduction and a personal exemption?
No. Minnesota gives you a $15,300 standard deduction as a single filer, but no personal exemption for yourself. Dependents are different — there’s a $5,300 dependent exemption.
What is the 1% investment income surtax?
It’s an extra 1% tax on net investment income over $1 million. Wages don’t trigger it at ordinary salary levels; it’s aimed at very large investment gains.
Why is my sales tax higher than 6.875%?
Local taxes. Many cities and counties add their own rates on top of the state base, and in many metro areas the combined total tops 8%.
Does the standard deduction shrink for high earners?
It can. Minnesota’s $15,300 deduction is reduced once federal adjusted gross income passes $244,400, so very high earners shelter less than the headline amount suggests.
Don’t guess at the Minnesota bite — drop your salary into the paycheck calculator on this page, and check the sales tax and mortgage calculators while you’re here.
This calculator is for guidance only and isn’t financial advice.