1Texas
Lowest17.9%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $0
- Payroll tax (FICA)
- $5,738
- Total tax
- $13,408
- Net income (annual)
- $61,593
Tax year 2026 · state vs state
Minnesota vs Texas Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $3,577 less state income tax a year in Texas than in Minnesota, which is about $298 a month. At $150,000 the gap is $8,942 in favor of Texas.
Minnesota: up to 9.85%Texas: no state taxUpdated October 10, 2026
Compare Minnesota and Texas 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.
2Minnesota
22.6%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $3,577
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,984
- Net income (annual)
- $58,016
Advanced analysis (optional)
Choose which extra insights you would like to see.
💰 Monthly breakdown
Your take-home pay, spread across the year
Texas
Monthly gross$6,250
Monthly tax$1,117
Monthly take-home$5,133
Minnesota
Monthly gross$6,250
Monthly tax$1,415
Monthly take-home$4,835
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Minnesota vs Texas: how the two systems differ
| Minnesota | Texas | |
|---|---|---|
| Wage income tax | Progressive, 4 brackets | No tax on wages |
| Top rate | 9.85% | 0% |
| Lowest rate | 5.35% | 0% |
| Deductions and credits (single) | $15,300 standard deduction | Not applicable |
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.
| Income | MN state tax | TX state tax | Difference | MN take-home | TX take-home |
|---|---|---|---|---|---|
| $30,000 | $786 | $0 | $786 less in Texas | $25,499 | $26,285 |
| $40,000 | $1,321 | $0 | $1,321 less in Texas | $32,999 | $34,320 |
| $50,000 | $1,877 | $0 | $1,877 less in Texas | $40,478 | $42,355 |
| $60,000 | $2,557 | $0 | $2,557 less in Texas | $47,833 | $50,390 |
| $75,000 | $3,577 | $0 | $3,577 less in Texas | $58,016 | $61,593 |
| $100,000 | $5,277 | $0 | $5,277 less in Texas | $73,903 | $79,180 |
| $150,000 | $8,942 | $0 | $8,942 less in Texas | $104,849 | $113,791 |
| $250,000 | $17,423 | $0 | $17,423 less in Texas | $165,759 | $183,182 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | MN state tax | TX state tax | Difference | MN take-home | TX take-home |
|---|---|---|---|---|---|
| $75,000 | $2,375 | $0 | $2,375 less in Texas | $62,247 | $64,623 |
| $100,000 | $4,013 | $0 | $4,013 less in Texas | $80,697 | $84,710 |
| $150,000 | $7,413 | $0 | $7,413 less in Texas | $115,772 | $123,185 |
| $250,000 | $14,485 | $0 | $14,485 less in Texas | $182,983 | $197,468 |
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?
For a single filer, Minnesota and Texas charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Texas is the lower-tax state.
Rates side by side
Minnesota (single filers)
| 5.35% | Up to $33,310 |
| 6.8% | $33,311 to $109,430 |
| 7.85% | $109,431 to $203,150 |
| 9.85% | Over $203,150 |
Texas (single filers)
Texas has no state personal income tax. Its constitution restricts one. State revenue comes mainly from sales tax and property taxes set locally.
Full details for each state: Minnesota income tax calculator and Texas income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Minnesota vs Texas FAQ
Which has lower income tax, Minnesota or Texas?+
Texas is lower at $75,000: $0 of state income tax versus $3,577 in Minnesota. At $150,000 it is $8,942 in Minnesota and $0 in Texas. For a single filer, Minnesota and Texas charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Texas is the lower-tax state.
How much more do I keep on $100,000 in Minnesota versus Texas?+
A single filer keeping $73,903 a year in Minnesota would keep $79,180 in Texas after federal, state and payroll tax. The difference is $5,277 a year, or $440 a month.
How do the Minnesota and Texas income tax systems differ?+
Minnesota uses progressive rates up to 9.85%; Texas has no tax on wages. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Minnesota vs Texas 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 Minnesota to Texas 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
- Tax Foundation: 2026 state individual income tax rates and brackets
- IRS: Tax inflation adjustments for tax year 2026
Last checked October 10, 2026. Confirm with your state tax agency before filing.
More state comparisons
- California vs Minnesota
- Florida vs Minnesota
- Minnesota vs New York
- Minnesota vs Washington
- California vs Texas
- New York vs Texas
- Illinois vs Texas
- All state comparisons →
Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.