2026 State Take-Home Comparison
Illinois vs Minnesota Take-Home Pay (2026)
Moving from Illinois to Minnesota: paycheck difference after taxes
On a $75,000 salary, moving from Illinois to Minnesota means earning $578 less per year after taxes — about $22 less per biweekly paycheck. Federal income tax and FICA stay the same; the difference comes from state tax.
What changes: State income tax. What stays the same: Federal income tax and FICA (Social Security + Medicare) are the same in every state for the same salary and filing status. Estimates based on $75,000 salary, single, biweekly. Use the calculator below for your numbers.
Illinois vs Minnesota — Take-Home Pay Overview
Illinois uses a flat state income tax, while Minnesota uses a progressive state income tax with multiple brackets.
For workers comparing the two states, that means Illinois generally leaves more paycheck income after withholding than Minnesota under the same salary assumptions.
| Salary | Illinois Take-Home | Minnesota Take-Home |
|---|---|---|
| $50,000 | $39,880 | $39,755 |
| $75,000 | $57,880 | $57,303 |
| $100,000 | $74,230 | $73,174 |
On a $100,000 salary, you take home $1,056 more per year in Illinois than in Minnesota.
$100,000 Salary: Illinois vs Minnesota
| Tax / Component | Illinois | Minnesota | Difference |
|---|---|---|---|
| Federal Income Tax | $13,170 | $13,170 | same |
| State Income Tax | $4,950 | $6,006 | -$1,056 |
| Social Security | $6,200 | $6,200 | same |
| Medicare | $1,450 | $1,450 | same |
| Take-Home Pay | $74,230 | $73,174 | +$1,056 |
$100,000 — Rent affordability: Illinois vs Minnesota
| Metric | Illinois | Minnesota |
|---|---|---|
| Net take-home / year | $74,230 | $73,174 |
| Net take-home / month | $6,186 | $6,098 |
| Median 1BR rent (HUD) | $750 | $850 |
| Rent as % of take-home | 12.1% ✓ | 13.9% ✓ |
Rent: HUD Fair Market Rents FY2025 · Spending: BLS Consumer Expenditure Survey 2023
$75,000 Salary: Illinois vs Minnesota
| Tax / Component | Illinois | Minnesota | Difference |
|---|---|---|---|
| Federal Income Tax | $7,670 | $7,670 | same |
| State Income Tax | $3,713 | $4,290 | -$578 |
| Social Security | $4,650 | $4,650 | same |
| Medicare | $1,088 | $1,088 | same |
| Take-Home Pay | $57,880 | $57,303 | +$578 |
Take-Home Pay Comparison: Illinois vs Minnesota
For a single filer at $100,000, Illinois puts $1,056 more per year in your pocket than Minnesota — $88 per month.
| Annual Salary | Illinois | Minnesota | Annual Difference |
|---|---|---|---|
| $50,000 | $39,880 | $39,755 | +$125 (Illinois) |
| $75,000 | $57,880 | $57,302.5 | +$577.5 (Illinois) |
| $100,000 | $74,230 | $73,174 | +$1,056 (Illinois) |
| $125,000 | $90,516 | $88,903.5 | +$1,612.5 (Illinois) |
| $150,000 | $106,366 | $104,015 | +$2,351 (Illinois) |
After subtracting median 1-bedroom rent, Illinois residents keep $58,630 per year vs $56,974 in Minnesota. See full cost-adjusted ranking →
Calculate your exact Illinois vs Minnesota take-home →Calculation assumptions
- Standard withholding per IRS Publication 15-T (2026)
- Social Security wage base: $184,500 (SSA 2026)
- No pre-tax deductions, no post-tax deductions
- Filing status: Single, one job
- Standard W-4 withholding (no additional withholding elections)
- Actual paycheck may differ based on employer setup, benefits, or W-4 elections
Illinois vs Minnesota tax questions
Which state has lower taxes, Illinois or Minnesota?
Both Illinois and Minnesota have state income taxes. On the default $75,000 single-filer estimate, Illinois has $578 less state income tax than the other state.
How much more do I take home in Illinois vs Minnesota on a $75,000 salary?
For the $75,000 engine-backed comparison on this page, Illinois leaves $578 more annual take-home pay, or about $48 per month.
Does moving from Illinois to Minnesota save money on taxes?
Moving between states changes state income tax withholding but not federal taxes or FICA. In the default $75,000 comparison, the annual take-home gap is $578 ($48 per month), before cost-of-living differences.
Is Illinois or Minnesota better for take-home pay?
For the default $75,000 single-filer calculation, Illinois has the higher take-home pay by $578 per year. Cost of living can still change which state is better for your household budget.
Calculate your take-home pay in each state:
Calculate your exact take-home pay
- Use the Illinois paycheck calculator →
- Use the Minnesota paycheck calculator →
- Compare custom salaries interactively →
- Compare full job offers with cost-of-living adjustment