Minnesota has one of the highest state income taxes in the Midwest — a progressive 5.35% to 9.85%. See exactly what you take home after all federal and state taxes.
Minnesota's income tax starts at 5.35% — higher than the flat rate of Ohio, Indiana, Michigan, Illinois, Iowa, or North Dakota. The 9.85% top rate applies to income above $183,340 (single) or $304,970 (married). Minnesota uses its own standard deduction (~$14,575 single / ~$29,150 married), which is similar to the federal deduction, before applying the progressive brackets.
| Income (Single) | Income (Married) | Rate |
|---|---|---|
| $0 – $30,070 | $0 – $43,950 | 5.35% |
| $30,071 – $98,760 | $43,951 – $174,610 | 6.80% |
| $98,761 – $183,340 | $174,611 – $304,970 | 7.85% |
| Over $183,340 | Over $304,970 | 9.85% |
Standard deduction: ~$14,575 (single) / ~$29,150 (married). Brackets apply to taxable income after deductions.
Estimates only. MN progressive brackets 5.35%–9.85%. Standard deduction ~$14,575 (single) / ~$29,150 (married). Consult a tax professional for advice.
| Gross Pay (this check) | $0.00 |
| Federal Income Tax | −$0.00 |
| Minnesota State Tax | −$0.00 |
| Social Security (6.2%) | −$0.00 |
| Medicare (1.45%) | −$0.00 |
| Net Take-Home Pay | $0.00 |
Minnesota has four progressive income tax brackets ranging from 5.35% to 9.85% for 2026. Notably, Minnesota's lowest bracket (5.35%) starts at $0 of taxable income — meaning it's higher than the flat rate in many neighboring states. Most middle-income earners hit the 6.80% bracket, and high earners above $183,340 face the 9.85% rate, one of the highest state income tax rates in the country.
Four taxes come out of a Minnesota paycheck: federal income tax (progressive brackets based on your W-4), Minnesota state income tax (5.35%–9.85% progressive), Social Security (6.2% up to $184,500), and Medicare (1.45% on all wages). Minnesota has no statewide local income tax — Minneapolis, St. Paul, and other cities do not add a local income tax on wages.
Minnesota is the highest-tax income state in its region by a wide margin. A single earner at $75,000 pays approximately $4,100 in MN state tax. Compare that to Wisconsin (~$3,600), Iowa ($2,850 at 3.8% flat), North Dakota (~$1,500 at 2.5% flat), and South Dakota ($0 — no income tax). Minnesota's high taxes fund strong public services, education spending, and infrastructure relative to its neighbors.
Yes — Minnesota is one of only a handful of states that taxes Social Security benefits. However, MN provides an exemption for lower-income retirees. For 2026, Social Security benefits can be fully excluded if your provisional income is below approximately $78,000 (single) or $100,000 (married). Above those thresholds, the exemption phases out. High-income retirees in Minnesota pay state tax on a portion of their Social Security, which significantly affects retirement planning.
No. Minnesota does not have a local income tax on wages. Minneapolis and St. Paul workers pay only the state income tax at the 5.35%–9.85% rates — no city tax is added on top. This is different from New York City (which adds 3%+ on top of NY state tax) or Pennsylvania (where most municipalities levy 1–2% local EIT). Minnesota's high state rate is the full story.
Minnesota's standard deduction for 2026 is approximately $14,575 for single filers and $29,150 for married filing jointly. Minnesota's standard deduction generally tracks the federal standard deduction but is not identical and is set by the Minnesota Department of Revenue. Unlike some states that use the federal standard deduction directly, Minnesota sets its own amounts annually.
On a $75,000 salary paid biweekly ($2,885 per check), Minnesota withholds approximately $158–$165 per paycheck in state income tax. On $100,000 ($3,846 per check), it's approximately $220–$230 per paycheck. On $150,000, approximately $345–$360 per paycheck. The 6.80% bracket captures most middle-income earners, so a rough rule of thumb is that Minnesota takes about 6–7 cents of every gross dollar for most workers.
Pre-tax contributions to a 401(k), HSA, or health insurance plan reduce both federal and Minnesota taxable income — each dollar reduces your MN tax by 5.35%–9.85% depending on your bracket. Minnesota also offers a Working Family Credit for lower-income earners, a K-12 Education Credit, and property tax refund programs. High earners sometimes choose to defer income into retirement accounts to delay MN taxation. Moving to South Dakota (no income tax) is a common consideration for Minnesota retirees.