Minnesota vs 
Massachusetts
Take-home pay after federal tax, state income tax, and FICA — calculated with the same engine as our paycheck calculator.
By Sammy S. · Founder · AuthorUpdated for 2026
Winner at $100k
Minnesota
Extra take-home / year
$843
Per month
$70
Over 10 years
$8,430
Moving from Massachusetts → Minnesota at $100,000
Metric vs metric
Lower tax and cost figures generally favor the highlighted cell. Rate structure notes sit under each state's calculator link.
| Metric | Minnesota | Massachusetts |
|---|---|---|
| Income tax | 9.85% · Progressive (top 9.85%) | 5% · Flat 5% |
| Combined sales tax | ~8.14% | ~6.25% |
| Effective property tax | ~1% | ~1% |
| Cost of living index | 93.4 | 147.8 |
| Median household income | $86,800 | $97,200 |
| Unemployment rate | 2.9% | 3.5% |
Dig into each state's paycheck
Minnesota rate structure
Progressive brackets with a top marginal rate of about 9.85%.
Massachusetts rate structure
Flat 5% state income tax on taxable wages (before credits).
Overview
Minnesota (Progressive (top 9.85%)) vs Massachusetts (Flat 5%). At $100,000 gross (single), Minnesota typically leaves you with about $843 more take-home than Massachusetts after federal, state, and FICA. Sales tax ~8.14% vs ~6.25%; property tax ~1% vs ~1%. Median household income (ACS 2024): $86,800 vs $97,200.
Take-home by income
Net pay after federal income tax, state income tax, and FICA — single filer, standard deduction, no dependents (2026). Advantage is take-home in Massachusetts minus Minnesota.
| Gross | Minnesota take-home | Massachusetts take-home | Advantage |
|---|---|---|---|
| $50,000 | $40,706 | $39,415 | −$1,291 |
| $75,000 | $58,256 | $57,183 | −$1,073 |
| $100,000Headline | $74,143 | $73,300 | −$843 |
| $150,000 | $105,074 | $104,971 | −$103 |
| $200,000 | $136,285 | $137,167 | +$882 |
| $500,000 | $298,533 | $311,077 | +$12,544 |
Assumptions: single filer, standard deduction, no dependents, tax year 2026. At $100k: FICA ≈ $7,650 in both states; effective total tax rate ≈ 25.9% in Minnesota vs 26.7% in Massachusetts. Local city taxes are not included unless noted.
$100k tax breakdown: Minnesota vs Massachusetts
Where a $100,000 paycheck goes after federal income tax, state income tax, and FICA (2026, single filer).
| Line item | Minnesota | Massachusetts |
|---|---|---|
| Gross pay | $100,000 | $100,000 |
| Federal income tax (est.) | $13,170 | $13,170 |
| State income tax | $5,037 | $5,000 |
| FICA (SS + Medicare) | $7,650 | $7,650 |
| Take-home pay | $74,143 | $73,300 |
| Effective total tax rate | 25.9% | 26.7% |
| Monthly take-home | $6,179 | $6,108 |
Federal estimates can differ slightly between states when state interactions affect taxable income. Combined sales tax ~8.14% (Minnesota) vs ~6.25% (Massachusetts); effective property tax ~1% vs ~1%.
Pros & cons: Minnesota vs Massachusetts
Tax structure, living costs, and lifestyle trade-offs beyond the paycheck number.
Minnesota
Pros
- About $843/year more take-home at $100k gross (single) vs Massachusetts
- Lower cost of living index (93.4 vs 147.8; 100 = US average)
- Lower unemployment rate (2.9% vs 3.5%)
Cons
- −State income tax (Progressive (top 9.85%)) reduces take-home vs a $0-income-tax peer
- −Higher combined sales tax (~8.14% vs ~6.25% in Massachusetts)
- −Lower median household income ($86,800 ACS 2024 vs $97,200)
Massachusetts
Pros
- Lower top/marginal state rate (Flat 5%) than Minnesota (Progressive (top 9.85%))
- Lower combined sales tax (~6.25% vs ~8.14% in Minnesota)
- Higher median household income ($97,200 ACS 2024 vs $86,800)
Cons
- −Roughly $843/year less take-home at $100k vs Minnesota
- −Higher cost of living index (147.8 vs 93.4; 100 = US average)
- −Higher unemployment rate (3.5% vs 2.9%)
Who wins when
Quick read on when each state is the better fit — beyond the headline tax number.
- Minnesota wins on take-home pay at every salary band in our ladder (single filer, standard deduction).
- Minnesota: About $843/year more take-home at $100k gross (single) vs Massachusetts
- Minnesota: Lower cost of living index (93.4 vs 147.8; 100 = US average)
- Massachusetts: Lower top/marginal state rate (Flat 5%) than Minnesota (Progressive (top 9.85%))
- Massachusetts: Lower combined sales tax (~6.25% vs ~8.14% in Minnesota)
How we calculate Minnesota vs Massachusetts
Tax engine. Federal income tax uses 2026 IRS brackets and the standard deduction for a single filer. FICA includes Social Security and Medicare employee shares. State income tax applies Minnesota's and Massachusetts's rules as modeled in our US calculator (Progressive (top 9.85%) vs Flat 5%).
What's included. Wage income only — no capital gains, self-employment tax, itemized deductions, credits, or local city wage taxes (e.g. NYC) unless noted. Sales tax (~8.14% vs ~6.25%) and property tax (~1% vs ~1%) are context metrics, not subtracted from the take-home ladder.
Cost of living. COL indexes (93.4 vs 147.8, 100 = US average) and median household income ($86,800 vs $97,200) help interpret whether a paycheck win buys more in real life. For city-level equivalent salary, use the Minnesota → Massachusetts relocation calculator.
Frequently asked questions
Common questions about Minnesota vs Massachusetts taxes, take-home pay, and relocation.
Moving Minnesota → Massachusetts?
Model cost-of-living equivalent salary, or open each state's paycheck calculator with your filing status and deductions.
Related tools
Estimates only for tax year 2026. Not tax advice — verify with your state tax agency or a CPA before relocating. Figures assume a single filer with the standard deduction and no dependents.