This free North Dakota paycheck calculator shows your 2026 take-home pay. It covers federal income tax, North Dakota state tax, Social Security and Medicare. A graduated income tax is one where the rate climbs in steps as your income grows. North Dakota has the lowest top rate of any state with a graduated income tax. That top rate is 2.50%.
The state also hands you a 0% band. A single filer pays nothing on the first $49,575 of taxable income. Stack that on top of the federal standard deduction and something striking happens. A single filer earning $60,000 owes $0 in North Dakota income tax. No city or county in the state taxes wages either.
How North Dakota taxes your paycheck in 2026
North Dakota uses three tax bands for 2026. The first band is taxed at 0%. The second is taxed at 1.95%. The third and last is taxed at 2.50%. Where each band starts depends on your filing status. Your filing status is the box you tick on your return, such as single or married filing jointly.
A single filer pays 0% on taxable income up to $49,575. The 1.95% band then runs up to $250,400. Anything above that is taxed at 2.50%. A joint filer pays 0% up to $82,800 and 1.95% up to $304,850. Head of household pays 0% up to $66,400 and 1.95% up to $277,600. Above those lines the rate is 2.50%.
That 2.50% ceiling is the lowest top rate of any graduated state income tax in the country. A 2023 law is the reason. It swapped a five-bracket system that topped out at 2.90% for the three bands you see today. The band thresholds also rise with inflation each year.
Why $60,000 can mean zero North Dakota tax
North Dakota starts from your federal taxable income. That is the figure near the bottom of your federal return, after the federal standard deduction comes off. So the federal deduction is already built in before the state touches your income. There is no separate North Dakota standard deduction. There is no North Dakota personal exemption either. The 0% band does that job instead.
Now run the math on a $60,000 salary. The 2026 federal standard deduction pulls your taxable income below the $49,575 line. So the whole amount falls inside the 0% band. North Dakota state tax on a $60,000 salary is $0 for a single filer. On a $100,000 salary the state tax is $669 for the year.
Because the state starts from your federal number, pre-tax savings work twice. Anything that cuts your federal taxable income cuts your North Dakota taxable income by the same dollar. A traditional 401(k) does this. So does a payroll HSA contribution. Money you put in a 401(k) skips federal and state income tax, but still pays Social Security and Medicare. Payroll HSA money skips all four.
The short North Dakota pay stub
No city, county or school district in North Dakota taxes wages. Fargo, Bismarck, Grand Forks and Minot all charge nothing extra. The state line on your stub is the only state-level income tax you pay.
North Dakota also takes no payroll premiums out of employee wages. There is no state disability insurance program. There is no paid family leave program with an employee share. Workers' compensation is paid in full by your employer through the state fund. Unemployment insurance is fully employer-paid too.
So a North Dakota pay stub is short. It shows federal income tax, Social Security, Medicare and state income tax. The state requires nothing else. Anything else you see comes from your employer or from you. Think health insurance, a retirement plan or union dues.
North Dakota paycheck FAQ
- How much is $60,000 after taxes in North Dakota?
- Take a single filer with no pre-tax deductions. That worker keeps about $50,390 a year, $1,938 per biweekly paycheck, 16.0% total tax rate. Every dollar of that tax is federal. North Dakota state tax on a $60,000 salary is $0, because the whole amount lands inside the 0% band.
- How much is $100,000 after taxes in North Dakota?
- Take a single filer with no pre-tax deductions. That worker keeps about $78,511 a year, $3,020 per biweekly paycheck, 21.5% total tax rate. North Dakota state tax on a $100,000 salary is $669 for the year. The rest of the bill is federal income tax, Social Security and Medicare.
- What is North Dakota's income tax rate in 2026?
- There are three bands: 0%, then 1.95%, then 2.50%. A single filer pays 0% up to $49,575 of taxable income and 1.95% up to $250,400. A joint filer pays 0% up to $82,800 and 1.95% up to $304,850. The 2.50% top rate is the lowest of any graduated state income tax in the country.
- Why do I owe no North Dakota income tax on $60,000?
- North Dakota starts from your federal taxable income, so the federal standard deduction is already taken off. That drops a $60,000 salary below the $49,575 line for a single filer. Everything under that line sits in the 0% band, so the state tax comes to $0.
- Does any North Dakota city charge income tax?
- No. Not one city, county or school district in North Dakota taxes wages. Fargo, Bismarck, Grand Forks and Minot all charge nothing. The state income tax is the only state-level income tax on your pay stub.
- Does a 401(k) lower my North Dakota tax?
- Yes. North Dakota starts from your federal taxable income. Anything that cuts that number cuts your state tax one for one. Traditional 401(k) money skips federal and state income tax, but still pays Social Security and Medicare. Payroll HSA money skips all four.
- What else comes out of a North Dakota paycheck?
- Nothing else the state requires. There is no state disability premium and no paid leave premium. Workers' compensation and unemployment insurance are both paid in full by your employer. Your stub shows federal tax, Social Security, Medicare and state tax, plus whatever you signed up for at work.
Sources
- North Dakota Office of State Tax Commissioner
- North Dakota tax forms and rate schedules
- Tax Foundation — North Dakota tax data
All sources accessed and figures verified August 2026.