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HSA Contributions in North Dakota 2026

Calculate your hsa contributions tax savings in North Dakota. With North Dakota's 1.95% top state tax rate, your combined savings are higher.

North Dakota Tax Overview

State Income Tax
1.95%
flat
Sales Tax
5%
avg combined: 6.96%
Property Tax Rate
0.94%
Median Income
$68,131

Flat 1.95% — one of the lowest. Uses federal taxable income. Oil revenue keeps rates low.

North Dakota Income Tax Brackets (Single)

1.95%
$0 +
Your bracket
$994
Est. Total Savings
$4,150
Max Deduction
Above-the-Line
Deduction Type
23.9%
Combined Tax Rate

HSA Contributions Savings Calculator for North Dakota

$
$

Federal Savings

$913

22% bracket

North Dakota State

$81

1.95% rate

Total Savings

$994

23.9% combined

At a 23.9% combined tax rate in North Dakota, every $1,000 in deductions saves you $240 in taxes.

Savings by Tax Bracket in North Dakota

10%
$598
12%
$698
22%
$1,198
24%
$1,298
32%
$1,698
35%
$1,848
37%
$1,948

Includes 1.95% North Dakota state tax on top of federal savings.

Eligibility Requirements

Available to individuals enrolled in a High Deductible Health Plan (HDHP) who are not enrolled in Medicare or claimed as a dependent on someone else's return.

  • 1Must be enrolled in a qualifying HDHP
  • 2Cannot be enrolled in Medicare
  • 3Cannot be claimed as a dependent
  • 4Cannot have other non-HDHP health coverage (with limited exceptions)

North Dakota residents should verify that this deduction is also recognized on their state tax return for additional savings of up to 1.95%.

Common Mistakes to Avoid

  • !Exceeding annual contribution limits ($4,150 self-only, $8,300 family for 2026)
  • !Contributing while enrolled in Medicare
  • !Not counting employer contributions toward the limit
  • !Using HSA funds for non-qualified expenses
  • !Forgetting to claim the deduction on your North Dakota state return (missing up to 1.95% additional savings)

North Dakota Filing Tips

The 1.95% rate makes ND nearly as tax-friendly as no-income-tax states. Federal standard deduction applies. Homestead credit available for qualifying homeowners.

Required Tax Forms

Form 8889

File these forms with your federal tax return to claim the hsa contributions. North Dakota may require additional state-specific forms.

Other Tax Deductions in North Dakota

Medical and Dental Expenses Deduction

Healthcare

~$8,709
est. savings

HSA Contribution Deduction

Healthcare

~$3,810
est. savings

Mortgage Interest Deduction

Housing

~$3,810
est. savings

Property Tax Deduction

Housing

~$2,395
est. savings

Home Office Deduction

Housing

~$1,306
est. savings

Home Energy Tax Credit

Housing

~$1,800
est. savings

Residential Solar Tax Credit

Housing

~$7,500
est. savings

Military Moving Expenses

Housing

~$4,355
est. savings

HSA Contributions in Neighboring States

Montana

5.9% top rate (flat)

~$1,141
+147 vs North Dakota

South Dakota

No state income tax

~$900
-94 vs North Dakota

Minnesota

9.85% top rate (progressive)

~$1,303
+309 vs North Dakota

Tax Calculators for North Dakota Cities

FargoBismarckGrand Forks

Calculate Your Full Tax Savings in North Dakota

Use our free tax calculators to optimize your entire tax return for North Dakota.

Income Tax CalculatorNorth Dakota Income TaxFull HSA Contributions Guide

Frequently Asked Questions

How much can I save with the HSA Contributions in North Dakota?

In North Dakota, the hsa contributions can save you an estimated $994 per year on a $5,000 deduction. This includes $913 in federal tax savings and $81 in North Dakota state tax savings at the 1.95% marginal rate. The national average savings is $900/year.

What is the North Dakota state income tax rate?

North Dakota has a flat income tax system with a top rate of 1.95%. Flat 1.95% — one of the lowest. Uses federal taxable income. Oil revenue keeps rates low.

Who qualifies for the HSA Contributions in North Dakota?

Available to individuals enrolled in a High Deductible Health Plan (HDHP) who are not enrolled in Medicare or claimed as a dependent on someone else's return.. The eligibility requirements are the same whether you live in North Dakota or another state, as this is a federal tax deduction. However, your total savings will vary based on North Dakota's 1.95% top state tax rate.

What tax forms do I need to claim the HSA Contributions in North Dakota?

To claim the hsa contributions, you need to file Form 8889 with your federal return. North Dakota residents should also check if the state allows this deduction on their state return for additional savings of up to 1.95%. Filing status affects your deduction limits and tax bracket.

Is the HSA Contributions better in North Dakota than in states without income tax?

Yes, North Dakota residents benefit more because the state's 1.95% top income tax rate means the deduction reduces both your federal AND state tax liability. In states with no income tax (like Texas, Florida, or Nevada), this deduction only reduces federal taxes. Your combined rate of 23.9% means more savings per dollar deducted.

What is the standard deduction in North Dakota for 2026?

North Dakota's standard deduction is $14,600 for single filers and $29,200 for married filing jointly. The 1.95% rate makes ND nearly as tax-friendly as no-income-tax states. Federal standard deduction applies. Homestead credit available for qualifying homeowners.

Related Calculators

Medical and Dental Expenses Deduction in North Dakota

Avg savings: $8,000/year

HSA Contribution Deduction in North Dakota

Avg savings: $3,500/year

Mortgage Interest Deduction in North Dakota

Avg savings: $3,500/year

Property Tax Deduction in North Dakota

Avg savings: $2,200/year

Home Office Deduction in North Dakota

Avg savings: $1,200/year

Home Energy Tax Credit in North Dakota

Avg savings: $1,800/year