Minnesota Income Tax Calculator
Calculate your total tax burden in Minnesota. See MN state income tax (9.85% top rate), federal tax, and FICA combined. Free, instant, private.
Minnesota Income Tax Calculator
Pre-filled with Minnesota median: $77,706
Your Total Tax Burden
$18,487
Take-Home: $59,219 · Effective Rate: 23.8%
Federal Tax
$8,709
11.2% eff.
MN State Tax
$3,833
4.9% eff.
FICA
$5,945
7.6% eff.
Take-Home
$59,219
76.2% kept
Tax Breakdown
Minnesota Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $77,706.00 | $6,475.50 |
| Federal Income Tax | -$8,709.32 | -$725.78 |
| Minnesota State Tax | -$3,833.40 | -$319.45 |
| Social Security (6.2%) | -$4,817.77 | -$401.48 |
| Medicare (1.45%) | -$1,126.74 | -$93.89 |
| Take-Home Pay | $59,218.77 | $4,934.90 |
Marginal Tax Rate
9.85%
MN state only
Effective Tax Rate
23.8%
All taxes combined
Minnesota Tax System Overview
Minnesota has four brackets from 5.35% to 9.85%, the fifth-highest top rate. Clothing is exempt from sales tax. Estate tax has a $3M exemption. Property taxes are moderate at 1.05%.
Minnesota Income Tax Brackets (Single)
| Tax Rate | Income Range |
|---|---|
| 5.35% | $0 – $31,690 |
| 6.8% | $31,690 – $104,090 |
| 7.85% | $104,090 – $193,240 |
| 9.85% | $193,240 – and above |
Top Income Tax
9.85%
Property Tax
1.05%
Sales Tax (Avg)
7.49%
Median Income
$77,706
Other Taxes in Minnesota
Capital Gains Tax
Taxed as regular income at up to 9.85%
Property Tax
Average effective rate of 1.05%. On a $300,000 home, this equals approximately $3,150 per year, or $263 per month.
Sales Tax
State rate of 6.875%, with a combined average of 7.49% including local taxes.
Estate & Inheritance Tax
Minnesota has a state estate tax in addition to the federal estate tax. The exemption may be lower than the federal threshold.
Filing Tips for Minnesota
High rates make pre-tax contributions essential. Clothing is sales-tax-exempt. The $3M estate tax exemption is well below federal. K-12 education credit available.
- Maximize pre-tax contributions to 401(k) ($23,500 limit in 2026, $31,000 if 50+) to reduce both federal and MN state taxable income.
- Use an HSA if you have a high-deductible health plan. Contributions ($4,300 individual, $8,550 family) are pre-tax and reduce your tax burden.
- Review your W-4. If you regularly get large refunds, adjust your withholding to keep more money in each paycheck throughout the year.
Compare Minnesota to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $77,706 income:
| State | Top Rate | State Tax | Difference |
|---|---|---|---|
| Minnesota | 9.85% | $3,833 | — |
| Wisconsin | 7.65% | $3,055 | Save $778 |
| Iowa | 3.8% | $2,398 | Save $1,435 |
| South Dakota | None | $0 | Save $3,833 |
| North Dakota | 1.95% | $1,231 | Save $2,603 |
Explore All 50 State Tax Calculators
Compare income tax rates, property taxes, and sales taxes across all US states and DC.
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Frequently Asked Questions
What is the income tax rate in Minnesota?
Minnesota has a progressive income tax with a top rate of 9.85%. Tax rates increase as income rises through various brackets. Four brackets to 9.85% (5th highest). Estate tax ($3M). Clothing exempt from sales tax.
How much state tax will I pay in Minnesota on $77,706?
On income of $77,706 filing single in Minnesota, you would pay approximately $3,833 in state income tax (effective rate of 4.9%). This is after the state standard deduction of $14,575.
Does Minnesota tax capital gains?
Taxed as regular income at up to 9.85%. Capital gains treatment varies by state — some tax them as regular income while others offer exclusions or preferential rates.
How does Minnesota compare to neighboring states for taxes?
Minnesota's neighboring states include Wisconsin (7.65% top rate), Iowa (3.8% top rate), South Dakota (no income tax). Property tax rates, sales taxes, and cost of living should also be considered when comparing overall tax burden. Use the calculator above to compare your specific tax liability across states.