North Dakota Income Tax Calculator
Calculate your total tax burden in North Dakota. See ND state income tax (1.95% top rate), federal tax, and FICA combined. Free, instant, private.
The state of North Dakota uses a flat 1.95% state income tax on all taxable income in 2026. State standard deduction: $14,600 single / $29,200 married. Plus federal income tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 0.94% and sales tax averages 6.96%. Flat 1.95% — one of the lowest. Uses federal taxable income. Oil revenue keeps rates low.
North Dakota Income Tax Calculator
Pre-filled with North Dakota median: $68,131
Your Total Tax Burden
$12,859
Take-Home: $55,272 · Effective Rate: 18.9%
Federal Tax
$6,603
9.7% eff.
ND State Tax
$1,044
1.5% eff.
FICA
$5,212
7.7% eff.
Take-Home
$55,272
81.1% kept
Tax Breakdown
North Dakota Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $68,131.00 | $5,677.58 |
| Federal Income Tax | -$6,602.82 | -$550.24 |
| North Dakota State Tax | -$1,043.85 | -$86.99 |
| Social Security (6.2%) | -$4,224.12 | -$352.01 |
| Medicare (1.45%) | -$987.90 | -$82.32 |
| Take-Home Pay | $55,272.30 | $4,606.03 |
Marginal Tax Rate
1.95%
ND state only
Effective Tax Rate
18.9%
All taxes combined
North Dakota Tax System Overview
North Dakota has a flat 1.95% income tax, one of the lowest among states with an income tax. Uses federal taxable income. Oil revenue keeps rates low. Property taxes moderate at 0.94%.
Top Income Tax
1.95%
Property Tax
0.94%
Sales Tax (Avg)
6.96%
Median Income
$68,131
Other Taxes in North Dakota
Capital Gains Tax
Taxed as regular income at 1.95%
Property Tax
Average effective rate of 0.94%. On a $300,000 home, this equals approximately $2,820 per year, or $235 per month.
Sales Tax
State rate of 5%, with a combined average of 6.96% including local taxes.
Filing Tips for North Dakota
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.
- Maximize pre-tax contributions to 401(k) ($23,500 limit in 2026, $31,000 if 50+) to reduce both federal and ND 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 North Dakota to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $68,131 income:
| State | Top Rate | State Tax | Difference |
|---|---|---|---|
| North Dakota | 1.95% | $1,044 | — |
| Montana | 5.9% | $3,158 | +$2,114 |
| South Dakota | None | $0 | Save $1,044 |
| Minnesota | 9.85% | $3,182 | +$2,138 |
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Frequently Asked Questions
What is the income tax rate in North Dakota?
North Dakota has a flat income tax rate of 1.95%. This means all taxable income is taxed at the same rate regardless of how much you earn. Flat 1.95% — one of the lowest. Uses federal taxable income. Oil revenue keeps rates low.
How much state tax will I pay in North Dakota on $68,131?
On income of $68,131 filing single in North Dakota, you would pay approximately $1,044 in state income tax (effective rate of 1.5%). This is after the state standard deduction of $14,600.
Does North Dakota tax capital gains?
Taxed as regular income at 1.95%. Capital gains treatment varies by state — some tax them as regular income while others offer exclusions or preferential rates.
How does North Dakota compare to neighboring states for taxes?
North Dakota's neighboring states include Montana (5.9% top rate), South Dakota (no income tax), Minnesota (9.85% top rate). 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 North Dakota state income tax filing deadline for 2026?
North Dakota 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: North Dakota typically grants automatic 6-month extensions to October 15, 2026, but tax owed must still be paid by April 15 to avoid penalties.
Does North Dakota tax retirement income, Social Security, and pensions?
North Dakota 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); North Dakota's treatment varies. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 1.95% top rate, with possible exclusions for federal/military pensions or low-income seniors. Check North Dakota's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to North Dakota in 2026?
North Dakota offers standard deduction of $14,600 (single) / $29,200 (married). Additional state-specific items typically include: North Dakota-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 North Dakota's state tax form for the full list of state-specific credits in 2026.
If I work remotely in North Dakota for an out-of-state employer, what tax do I pay?
As a North Dakota 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 North Dakota. Without reciprocity, you may pay tax to BOTH states, then claim a credit on North Dakota'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.