Your Pay Details
Your Take-Home Pay
| Gross Pay | $0 |
| Federal Income Tax | –$0 |
| Social Security (6.2%) | –$0 |
| Medicare (1.45%) | –$0 |
| North Dakota State Tax | –$0 |
| Take-Home Pay | $0 |
How Your North Dakota Paycheck Works
North Dakota has significantly reduced its income tax in recent years. The graduated structure means many lower and middle-income residents owe little or no state income tax, making ND one of the lowest-tax states in the country.
Federal Income Tax
Calculated using 2025 federal brackets from 10% to 37%, applied to taxable income after the standard deduction.
Social Security
6.2% of gross pay up to $176,100. Funds the Social Security retirement and disability program.
Medicare
1.45% of all gross pay. High earners over $200K pay an additional 0.9% surtax.
North Dakota State Tax (0–2.5%)
North Dakota uses three brackets: 0% on the first $48,475, 1.95% up to $244,825, and 2.5% above that (single filers). Many residents owe $0 after the $15,000 standard deduction.
Major Cities in North Dakota
Whether you live in Fargo, Bismarck, or anywhere else in North Dakota, state tax rates apply uniformly — your city does not change your paycheck calculation. Local taxes and cost of living vary by city, as shown below.
* Population from U.S. Census estimates. Home prices and rent are 2023–2024 estimates. Local income tax applies to residents unless noted.
Frequently Asked Questions
What is North Dakota's state income tax rate?
North Dakota has a graduated income tax for 2025 with three brackets: 0% on the first $48,475, 1.95% from $48,475–$244,825, and 2.5% above $244,825 (single filers). Thanks to the $15,000 standard deduction, many residents owe $0 in state income tax.
How much of my paycheck goes to taxes in North Dakota?
A single filer earning $55,000/year in North Dakota owes $0 in state income tax (taxable income of $40,000 falls in the 0% bracket). After federal taxes and FICA, total deductions typically run 22–28% of gross pay.
What is FICA and how much is it?
FICA covers Social Security (6.2% up to $176,100) and Medicare (1.45% with no cap). Together that is 7.65% of gross pay, paid by every US worker regardless of state.
How do pre-tax deductions like a 401(k) reduce my taxes?
Pre-tax deductions reduce both your federal and state taxable income. A $5,000 annual 401(k) contribution can save hundreds in combined federal and state taxes depending on your bracket.
How accurate is this calculator?
This calculator uses 2025 federal and state tax brackets. Results are estimates — your actual paycheck may vary based on W-4 elections, employer deductions, and local taxes not included here.