North Dakota Paycheck Calculator 2026
North Dakota uses the federal W-4, and because the first $48,475 of taxable income is taxed at 0%, many single workers have little or no state withholding. Minnesota and Montana residents working in North Dakota are exempt through reciprocity.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
North Dakota paycheck rules for 2026
| State income tax, 2026 | 3 brackets from 0% to 2.5%; top rate from $244,825 of taxable income (single) |
|---|---|
| Deductions before tax | federal standard deduction ($16,100 single, $32,200 joint) |
| Withholding certificate | Federal Form W-4 |
| Bonus (supplemental) withholding | No separate flat rate: a bonus is taxed with your regular pay (aggregate method) |
| Mandatory payroll premiums | None for employees |
| Local income taxes | None |
| Reciprocity agreements | Yes, with Minnesota and Montana |
| Sales tax (for context) | 5.00% state, 7.09% average combined with local (rank 23 of 51) |
Worked example: $60,000 in North Dakota
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| North Dakota income tax | $0.00 |
| Take-home pay | $1,938.08 |
North Dakota take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To North Dakota |
|---|---|---|---|
| $40,000 | $1,320.00 | $34,320 | $0 |
| $60,000 | $1,938.08 | $50,390 | $0 |
| $100,000 | $3,018.82 | $78,489 | $691 |
| $150,000 | $4,312.51 | $112,125 | $1,666 |
Living and working in North Dakota
North Dakota's state sales tax is 5.00%; with local add-ons the average combined rate is 7.09%, ranked 23 of 51 as of July 2026.
North Dakota taxes the first $48,475 of taxable income at 0% for single filers ($80,975 joint), so a large share of residents owe no state income tax at all.
In retirement: North Dakota stopped taxing Social Security in 2021. Its rates are the lowest of any state with graduated brackets.
North Dakota paycheck questions
How much is take-home pay on $60,000 in North Dakota?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,938.08 a paycheck in North Dakota ($50,390 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $0.00 to North Dakota income tax.
How much North Dakota income tax comes out of each paycheck?
Three brackets: 0%, 1.95% and 2.5%, the lowest top rate of any graduated state. North Dakota starts from federal taxable income, so the federal standard deduction applies, and the first $48,475 of taxable income ($80,975 joint) is taxed at 0%. On a $60,000 salary that works out to about $0.00 every two weeks, an effective 0.00% of gross pay.
What else does North Dakota take out of a paycheck?
Apart from income tax, North Dakota requires no other employee payroll deduction, so the remaining lines on your stub are federal income tax, Social Security, Medicare and any benefits you chose.
I live in a neighboring state. Will North Dakota tax my paycheck?
Not if you live in Minnesota and Montana. North Dakota has reciprocal agreements with those states, so you can give your employer the state's nonresidence form and have only your home state's tax withheld. Without the form, North Dakota tax is withheld anyway and you must file a North Dakota return to get it back.
How are bonuses withheld in North Dakota?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For North Dakota: No separate flat rate: a bonus is taxed with your regular pay (aggregate method).
More for North Dakota
- North Dakota income tax calculator for the full year
- Paycheck calculator for all states
- Bonus tax calculator