North Dakota Take-Home Pay Calculator
Estimate your North Dakota paycheck using ND's 2025 state tax brackets — with the lowest top rate of any income-tax state — plus federal income tax and FICA.
What comes out of a North Dakota paycheck
North Dakota has arguably the most taxpayer-friendly income tax structure of any state that levies one at all: a wide 0% bracket, followed by just two low non-zero rates topping out at 2.5%. Like Colorado and Utah, North Dakota calculates its tax base starting from federal taxable income rather than building its own separate standard deduction.
Federal taxable income (after $4,000 pre-tax and the $15,000 federal standard deduction): $61,000. First $51,650 taxed at 0% = $0. Remaining $9,350 taxed at 1.95% = $182.32.
Federal tax on the same $61,000 ≈ $8,334 · ND state tax ≈ $182 · Social Security $4,960 · Medicare $1,160.
Annual take-home ≈ $61,364 → about $2,360 per biweekly paycheck (76.7% of gross) — remarkably close to a no-tax state's result.
North Dakota 2025 tax brackets (single filers)
| Taxable income | Rate |
|---|---|
| $0 – $51,650 | 0% |
| $51,650 – $244,825 | 1.95% |
| Over $244,825 | 2.5% |
Married-filing-jointly thresholds are wider, with the top rate starting at $298,075.
Why North Dakota barely feels like an income-tax state
With a 2.5% top rate — the lowest of any state that taxes wages at all — and a 0% bracket wide enough to exempt most of a typical worker's first $51,650 in federal taxable income, North Dakota's effective tax burden ends up remarkably close to a true no-income-tax state for most filers, even though it technically has one.
Common mistakes when estimating North Dakota take-home pay
- Applying the state rate to gross wages instead of federal taxable income. North Dakota's base already reflects the federal standard deduction.
- Assuming the top 2.5% rate applies broadly. It only kicks in above $244,825 (single) — most workers stay in the 0% or 1.95% bands.
- Expecting a local city income tax. No North Dakota city or county levies one.
Frequently asked questions
What are North Dakota's state income tax rates?
Three brackets for 2025: 0%, 1.95%, and 2.5% — the lowest top rate of any income-tax state.
Why is North Dakota's 0% bracket so wide?
It extends up to $51,650 (single), exempting most of a typical worker's income from state tax entirely.
Does North Dakota have its own standard deduction?
No — it starts from federal taxable income, similar to Colorado and Utah.
Does North Dakota have local city income tax?
No — no North Dakota city or county levies one.
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Note: Simplified estimate using 2025 state and federal figures; excludes credits and benefit specifics. Not tax advice. Figures: 2025 North Dakota and federal tax year. Last reviewed: September 2026.