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.
The state of Minnesota uses 4 progressive income tax brackets up to 9.85% in 2026. State standard deduction: $14,575 single / $29,150 married. Stacks on federal tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 1.05% and combined sales tax averages 7.49%. Four brackets to 9.85% (5th highest). Estate tax ($3M). Clothing exempt from sales tax.
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 ($4,400 individual, $8,750 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.
What is the Minnesota state income tax filing deadline for 2026?
Minnesota state income tax returns are due April 15, 2026 (matching the federal deadline). If April 15 falls on a weekend or holiday, the deadline shifts to the next business day. Extensions: Minnesota typically grants automatic 6-month extensions to October 15, 2026, but tax owed must still be paid by April 15 to avoid penalties.
Does Minnesota tax retirement income, Social Security, and pensions?
Minnesota taxes retirement income with state-specific exclusions. Social Security: only 11 states tax SS benefits in 2026 (CO, CT, KS, MN, MT, NM, RI, UT, VT, WV, MO partially); Minnesota's treatment varies. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 9.85% top rate, with possible exclusions for federal/military pensions or low-income seniors. Check Minnesota's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to Minnesota in 2026?
Minnesota offers standard deduction of $14,575 (single) / $29,150 (married). Additional state-specific items typically include: Minnesota-specific tax credits (e.g., property tax credit, education credit, EITC supplement if available), retirement income exclusions, and state-conformity to federal deductions like SALT cap, mortgage interest, charitable contributions. Check Minnesota's state tax form for the full list of state-specific credits in 2026.
If I work remotely in Minnesota for an out-of-state employer, what tax do I pay?
As a Minnesota resident working remotely for an out-of-state employer, the rules depend on reciprocity agreements. Reciprocity-pair states (PA-NJ, IL-IA, MI-OH, etc.) let you pay tax only to Minnesota. Without reciprocity, you may pay tax to BOTH states, then claim a credit on Minnesota's return for taxes paid to the work state. NY, PA-Philadelphia, and other "convenience of employer" jurisdictions can override these rules. Verify your employer's state tax setup.