Minnesota vs 
Texas
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
Texas
Extra take-home / year
$5,037
Per month
$420
Over 10 years
$50,370
Moving from Minnesota → Texas 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 | Texas |
|---|---|---|
| Income tax | 9.85% · Progressive (top 9.85%) | 0% · No state income tax (0%) |
| Combined sales tax | ~8.14% | ~8.2% |
| Effective property tax | ~1% | ~1.4% |
| Cost of living index | 93.4 | 90.7 |
| Median household income | $86,800 | $74,800 |
| Unemployment rate | 2.9% | 4% |
Dig into each state's paycheck
Minnesota rate structure
Progressive brackets with a top marginal rate of about 9.85%.
Texas rate structure
No state income tax on wages; revenue relies more on sales and property taxes.
Overview
Minnesota has progressive (top 9.85%), while Texas has no state income tax. Moving from Minnesota to Texas saves about $5,037/year in take-home at $100,000 gross (single filer). Sales tax: ~8.14% vs ~8.2%. Property tax: ~1% vs ~1.4%. Median household income (ACS 2024): $86,800 vs $74,800.
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 Texas minus Minnesota.
| Gross | Minnesota take-home | Texas take-home | Advantage |
|---|---|---|---|
| $50,000 | $40,706 | $42,355 | +$1,649 |
| $75,000 | $58,256 | $61,593 | +$3,337 |
| $100,000Headline | $74,143 | $79,180 | +$5,037 |
| $150,000 | $105,074 | $113,791 | +$8,717 |
| $200,000 | $136,285 | $148,927 | +$12,642 |
| $500,000 | $298,533 | $340,477 | +$41,944 |
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 20.8% in Texas. Local city taxes are not included unless noted.
$100k tax breakdown: Minnesota vs Texas
Where a $100,000 paycheck goes after federal income tax, state income tax, and FICA (2026, single filer).
| Line item | Minnesota | Texas |
|---|---|---|
| Gross pay | $100,000 | $100,000 |
| Federal income tax (est.) | $13,170 | $13,170 |
| State income tax | $5,037 | $0 |
| FICA (SS + Medicare) | $7,650 | $7,650 |
| Take-home pay | $74,143 | $79,180 |
| Effective total tax rate | 25.9% | 20.8% |
| Monthly take-home | $6,179 | $6,598 |
Federal estimates can differ slightly between states when state interactions affect taxable income. Combined sales tax ~8.14% (Minnesota) vs ~8.2% (Texas); effective property tax ~1% vs ~1.4%.
Pros & cons: Minnesota vs Texas
Tax structure, living costs, and lifestyle trade-offs beyond the paycheck number.
Minnesota
Pros
- Lower effective property tax (~1% vs ~1.4% in Texas)
- Higher median household income ($86,800 ACS 2024 vs $74,800)
- Lower unemployment rate (2.9% vs 4%)
Cons
- −State income tax (Progressive (top 9.85%)) reduces take-home vs a $0-income-tax peer
- −Roughly $5,037/year less take-home at $100k vs Texas
- −Local city/county taxes and credits are not fully modeled in the headline ladder
Texas
Pros
- No state income tax on wages — $0 withholding vs Minnesota's state tax
- About $5,037/year more take-home at $100k gross (single) vs Minnesota
- Modeled with our 2026 federal + state + FICA paycheck engine
Cons
- −Higher effective property tax (~1.4% vs ~1% in Minnesota)
- −Lower median household income ($74,800 ACS 2024 vs $86,800)
- −Higher unemployment rate (4% vs 2.9%)
Who wins when
Quick read on when each state is the better fit — beyond the headline tax number.
- Texas wins on take-home pay at every salary band in our ladder (single filer, standard deduction).
- Minnesota: Lower effective property tax (~1% vs ~1.4% in Texas)
- Minnesota: Higher median household income ($86,800 ACS 2024 vs $74,800)
- Texas: No state income tax on wages — $0 withholding vs Minnesota's state tax
- Texas: About $5,037/year more take-home at $100k gross (single) vs Minnesota
How we calculate Minnesota vs Texas
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 Texas's rules as modeled in our US calculator (Progressive (top 9.85%) vs No state income tax (0%)).
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 ~8.2%) and property tax (~1% vs ~1.4%) are context metrics, not subtracted from the take-home ladder.
Cost of living. COL indexes (93.4 vs 90.7, 100 = US average) and median household income ($86,800 vs $74,800) help interpret whether a paycheck win buys more in real life. For city-level equivalent salary, use the Minnesota → Texas relocation calculator.
Frequently asked questions
Common questions about Minnesota vs Texas taxes, take-home pay, and relocation.
Moving Minnesota → Texas?
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.