2026 State Take-Home Comparison
Minnesota vs South Dakota Take-Home Pay (2026)
Moving from Minnesota to South Dakota: paycheck difference after taxes
On a $75,000 salary, moving from Minnesota to South Dakota means earning $4,290 more per year after taxes — about $165 more 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.
Minnesota vs South Dakota — Take-Home Pay Overview
Minnesota uses a progressive state income tax with multiple brackets, while South Dakota has no state income tax on wage income.
For workers comparing the two states, that means South Dakota generally leaves more paycheck income after withholding than Minnesota under the same salary assumptions.
| Salary | Minnesota Take-Home | South Dakota Take-Home |
|---|---|---|
| $50,000 | $39,755 | $42,355 |
| $75,000 | $57,303 | $61,593 |
| $100,000 | $73,174 | $79,180 |
On a $100,000 salary, you take home $6,006 more per year in South Dakota than in Minnesota.
$100,000 Salary: Minnesota vs South Dakota
| Tax / Component | Minnesota | South Dakota | Difference |
|---|---|---|---|
| Federal Income Tax | $13,170 | $13,170 | same |
| State Income Tax | $6,006 | $0 | +$6,006 |
| Social Security | $6,200 | $6,200 | same |
| Medicare | $1,450 | $1,450 | same |
| Take-Home Pay | $73,174 | $79,180 | -$6,006 |
$100,000 — Rent affordability: Minnesota vs South Dakota
| Metric | Minnesota | South Dakota |
|---|---|---|
| Net take-home / year | $73,174 | $79,180 |
| Net take-home / month | $6,098 | $6,598 |
| Median 1BR rent (HUD) | $850 | $750 |
| Rent as % of take-home | 13.9% ✓ | 11.4% ✓ |
Rent: HUD Fair Market Rents FY2025 · Spending: BLS Consumer Expenditure Survey 2023
$75,000 Salary: Minnesota vs South Dakota
| Tax / Component | Minnesota | South Dakota | Difference |
|---|---|---|---|
| Federal Income Tax | $7,670 | $7,670 | same |
| State Income Tax | $4,290 | $0 | +$4,290 |
| Social Security | $4,650 | $4,650 | same |
| Medicare | $1,088 | $1,088 | same |
| Take-Home Pay | $57,303 | $61,593 | -$4,290 |
Take-Home Pay Comparison: Minnesota vs South Dakota
For a single filer at $100,000, South Dakota puts $6,006 more per year in your pocket than Minnesota — $501 per month.
| Annual Salary | Minnesota | South Dakota | Annual Difference |
|---|---|---|---|
| $50,000 | $39,755 | $42,355 | $-2,600 (Minnesota) |
| $75,000 | $57,302.5 | $61,592.5 | $-4,290 (Minnesota) |
| $100,000 | $73,174 | $79,180 | $-6,006 (Minnesota) |
| $125,000 | $88,903.5 | $96,703.5 | $-7,800 (Minnesota) |
| $150,000 | $104,015 | $113,791 | $-9,776 (Minnesota) |
After subtracting median 1-bedroom rent, South Dakota residents keep $67,180 per year vs $56,974 in Minnesota. See full cost-adjusted ranking →
Calculate your exact Minnesota vs South Dakota 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
Minnesota vs South Dakota tax questions
Which state has lower taxes, Minnesota or South Dakota?
South Dakota has no state income tax while Minnesota has state income tax. On the default $75,000 single-filer estimate, South Dakota has $4,290 less state income tax, while federal taxes and FICA apply in both states.
How much more do I take home in Minnesota vs South Dakota on a $75,000 salary?
For the $75,000 engine-backed comparison on this page, South Dakota leaves $4,290 more annual take-home pay, or about $358 per month.
Does moving from Minnesota to South Dakota save money on taxes?
Moving from Minnesota to South Dakota could reduce state income tax because South Dakota has no state income tax. In the default $75,000 comparison, the annual take-home gap is $4,290 ($358 per month), before cost-of-living differences.
Is Minnesota or South Dakota better for take-home pay?
For the default $75,000 single-filer calculation, South Dakota has the higher take-home pay by $4,290 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 Minnesota paycheck calculator →
- Use the South Dakota paycheck calculator →
- Compare custom salaries interactively →
- Compare full job offers with cost-of-living adjustment