The 6.8% wall
MN's second bracket (6.8%) starts at $31,690 single — a nurse, teacher, or mid-level engineer pays 6.8% marginal state tax on most of their raise. Combined with federal 22%, marginal relief from pre-tax contributions is unusually valuable in MN.
MN vs. WI border math
Twin Cities workers considering Hudson or River Falls (WI): WI's top rate is 7.65% vs. MN's 9.85%, and WI's 5.3% bracket covers most incomes. At $150K single, WI saves ~$2,000/yr in state income tax.
Social Security partial exemption
MN taxes Social Security above income thresholds ($82K single / $105K joint in 2025, phased). Below those, benefits are fully exempt — a planning lever for retirees.
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Read the guideFAQ
What is Minnesota's top income tax rate?
9.85% on taxable income over ~$195,240 (single) — the fourth-highest top state rate in the country.
Does MN tax Social Security?
Partially. Benefits are exempt below ~$82K (single) income, phasing out above that.
Do MN cities have income tax?
No. Minneapolis and St. Paul levy no local income tax; the state rate is the whole story.
New York City residents pay a separate city income tax; the NYC paycheck calculator works it into the net figure.
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