Salary Guide · 2026
Minnesota Salary Guide (2026)
This guide explains how salaries are taxed in Minnesota, what take-home pay looks like at different income levels, and how cost of living affects real purchasing power across major cities.
Minnesota Income Snapshot
Individual median income
$50,400
-10% vs US median
Household median income
$87,012
US Census ACS 2023
Median take-home (annual)
$39,634
Eff. rate: 21.36%
Median monthly take-home
$3,303
Single filer, 2026
Income Tax Structure in Minnesota
Tax system: Progressive state income tax (5.35%–9.85%)
Minnesota has one of the higher progressive income tax rates, reaching 9.85% for top earners. However, Minneapolis-St. Paul offers strong salaries and excellent quality of life that partially compensates for the higher tax burden.
Take-Home Pay at Popular Salary Levels
Single filer · Standard deduction · MN state tax · 2026 IRS brackets
| Gross salary | Federal tax | State tax | FICA | Take-home | Monthly | Eff. rate |
|---|---|---|---|---|---|---|
| $70,000 | $6,754 | $4,300 | $5,355 | $53,591 | $4,466 | 23.44% |
| $105,000 | $14,454 | $6,690 | $8,033 | $75,823 | $6,319 | 27.79% |
| $150,000 | $24,914 | $10,223 | $11,475 | $103,388 | $8,616 | 31.07% |
| $200,000 | $36,914 | $14,283 | $14,103 | $134,700 | $11,225 | 32.65% |
Take-home as % of gross
Housing Affordability in Minnesota Cities
Based on $150,000 salary · Rent: HUD FMR 2026 · COL: C2ER/ACCRA
Minneapolis
COL: 1.17× · 1BR rent: $1,600/mo
Rent burden: 18.6% of take-home
Is $150,000 enough in Minneapolis? →St Paul
COL: 1.10× · 1BR rent: $1,450/mo
Rent burden: 16.8% of take-home
Is $150,000 enough in St Paul? →Rochester
COL: 0.95× · 1BR rent: $1,150/mo
Rent burden: 13.3% of take-home
Is $150,000 enough in Rochester? →Duluth
COL: 0.88× · 1BR rent: $1,000/mo
Rent burden: 11.6% of take-home
Is $150,000 enough in Duluth? →Bloomington
COL: 1.08× · 1BR rent: $1,400/mo
Rent burden: 16.2% of take-home
Is $150,000 enough in Bloomington? →Brooklyn Park
COL: 1.05× · 1BR rent: $1,350/mo
Rent burden: 15.7% of take-home
Is $150,000 enough in Brooklyn Park? →Popular Salary Guides for Minnesota
Is This Salary Enough in Minnesota?
Frequently Asked Questions
Is $100,000 a good salary in Minnesota?
A $100,000 salary in Minnesota yields approximately $72,656 per year ($6,055/month) after federal and state taxes. In most Minnesota cities, this is above the state individual median of $50,400 — generally a comfortable income.
How much state income tax do you pay in Minnesota?
Minnesota has Progressive state income tax (5.35%–9.85%). For a $105,000 salary, the estimated state income tax is $6,690. Your effective rate depends on your income level, filing status, and deductions.
What salary is considered middle class in Minnesota?
The individual median income in Minnesota is $50,400 and the household median is $87,012 (Census ACS 2023). Middle-class income typically ranges from 67%–200% of the household median, roughly $58,298–$174,024 for a family.
Data Sources
- •Tax calculations: IRS federal tax tables
- •Payroll taxes: Social Security Administration
- •Salary data: Bureau of Labor Statistics
- •Rent data: HUD Fair Market Rents
Data updated monthly using government datasets.