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Tax year 2026 · state vs state

Hawaii vs North Dakota Income Tax Comparison (2026)

On a $75,000 salary (single filer, 2026), you pay $3,967 less state income tax a year in North Dakota than in Hawaii, which is about $331 a month. At $150,000 the gap is $8,262 in favor of North Dakota.

Hawaii: up to 11%North Dakota: up to 2.5%Updated October 10, 2026

Compare Hawaii and North Dakota for your income

Estimate for education only, not tax advice. 2026 federal and state rules, standard deductions, no local taxes. How we calculate.

State comparison

Comparing 2 states, sorted by lowest overall tax rate.

1North Dakota

Lowest

18.1%

Overall effective tax rate

  • Net
  • Federal
  • State
  • FICA
Federal income tax
$7,670
State income tax
$203
Payroll tax (FICA)
$5,738
Total tax
$13,611
Net income (annual)
$61,389

2Hawaii

23.4%

Overall effective tax rate

  • Net
  • Federal
  • State
  • FICA
Federal income tax
$7,670
State income tax
$4,170
Payroll tax (FICA)
$5,738
Total tax
$17,577
Net income (annual)
$57,423

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💰 Monthly breakdown

Your take-home pay, spread across the year

North Dakota

Monthly gross$6,250
Monthly tax$1,134
Monthly take-home$5,116

Hawaii

Monthly gross$6,250
Monthly tax$1,465
Monthly take-home$4,785

Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.

Hawaii vs North Dakota: how the two systems differ

HawaiiNorth Dakota
Wage income taxProgressive, 12 bracketsProgressive, 2 brackets
Top rate11%2.5%
Lowest rate1.4%1.95%
Deductions and credits (single)$4,400 standard deduction, $1,144 personal exemption$16,100 standard deduction

State income tax and take-home pay at every salary

The same salary can leave you with different take-home pay depending on the state. This table applies each state’s 2026 rules to a single filer with no pre-tax contributions.

IncomeHI state taxND state taxDifferenceHI take-homeND take-home
$30,000$890$0$890 less in North Dakota$25,395$26,285
$40,000$1,570$0$1,570 less in North Dakota$32,750$34,320
$50,000$2,284$0$2,284 less in North Dakota$40,071$42,355
$60,000$3,030$0$3,030 less in North Dakota$47,360$50,390
$75,000$4,170$203$3,967 less in North Dakota$57,423$61,389
$100,000$6,070$691$5,379 less in North Dakota$73,110$78,489
$150,000$9,928$1,666$8,262 less in North Dakota$103,863$112,125
$250,000$18,217$3,616$14,601 less in North Dakota$164,965$179,566

Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.

Married filing jointly

IncomeHI state taxND state taxDifferenceHI take-homeND take-home
$75,000$2,800$0$2,800 less in North Dakota$61,822$64,623
$100,000$4,568$0$4,568 less in North Dakota$80,142$84,710
$150,000$8,340$718$7,622 less in North Dakota$114,845$122,467
$250,000$15,940$2,668$13,272 less in North Dakota$181,528$194,800

Married filing jointly, 2026, federal standard deduction. Uses each state's joint brackets where they differ.

Does the lower-tax state change as income rises?

Across every income from $10,000 to $1,000,000 that we tested, North Dakota charges the same or less state income tax than Hawaii for a single filer, so there is no income level where the ranking flips.

Rates side by side

Hawaii (single filers)

1.4%Up to $9,600
3.2%$9,601 to $14,400
5.5%$14,401 to $19,200
6.4%$19,201 to $24,000
6.8%$24,001 to $36,000
7.2%$36,001 to $48,000
7.6%$48,001 to $125,000
7.9%$125,001 to $175,000
8.25%$175,001 to $225,000
9%$225,001 to $275,000
10%$275,001 to $325,000
11%Over $325,000

North Dakota (single filers)

1.95%$48,476 to $244,825
2.5%Over $244,825

Full details for each state: Hawaii income tax calculator and North Dakota income tax calculator. Federal rates are on the 2026 federal tax brackets page.

Hawaii vs North Dakota FAQ

Which has lower income tax, Hawaii or North Dakota?+

North Dakota is lower at $75,000: $203 of state income tax versus $4,170 in Hawaii. At $150,000 it is $9,928 in Hawaii and $1,666 in North Dakota. Across every income from $10,000 to $1,000,000 that we tested, North Dakota charges the same or less state income tax than Hawaii for a single filer, so there is no income level where the ranking flips.

How much more do I keep on $100,000 in Hawaii versus North Dakota?+

A single filer keeping $73,110 a year in Hawaii would keep $78,489 in North Dakota after federal, state and payroll tax. The difference is $5,379 a year, or $448 a month.

How do the Hawaii and North Dakota income tax systems differ?+

Hawaii uses progressive rates up to 11%; North Dakota uses progressive rates up to 2.5%. State deductions and exemptions also differ, which changes how much income is taxed.

Are local taxes included in this Hawaii vs North Dakota comparison?+

No. It covers federal income tax, Social Security, Medicare and state income tax only. City, county, sales and property taxes are not included, and they can change the real cost of living in each state.

Should I move from Hawaii to North Dakota to save on taxes?+

State income tax is one cost among many. Property and sales taxes, housing, insurance and wages also differ, and you may owe tax to both states in the year you move. Use this comparison as one input and confirm details with a tax professional.

Sources

Last checked October 10, 2026. Confirm with your state tax agency before filing.

More state comparisons

Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.