north dakota paycheck calculator
Looking to figure out your take-home pay in North Dakota? You're in the right place. Our free calculator helps North Dakota residents understand exactly what they'll earn after taxes. North Dakota has a state income tax rate of 1.1% - 2.9%.
About the north dakota paycheck calculator
North Dakota applies low graduated income tax rates while maintaining genuine affordability throughout most regions. Fargo serves as the largest city, combining healthcare systems, North Dakota State University, and technology companies. Bismarck centers on state government employment. Housing costs run well below national averages - quality homes typically sell for $200,000-300,000. The Bakken oil formation drove employment booms offering $80,000-100,000+ salaries, though positions fluctuate dramatically with oil prices. The affordability means moderate incomes support comfortable lifestyles, but the extreme winters (-20°F to -40°F common), remote locations, and economic volatility tied to energy extraction create real lifestyle trade-offs.
Tax Information
North Dakota uses graduated income tax rates. Federal income tax (10-37% progressive) layers on top. Social Security withholding takes 6.2% of wages up to $168,600. Medicare requires 1.45% of all income, with high earners paying an additional 0.9% above $200,000.
Understanding Your North Dakota Paycheck
When you get paid in North Dakota, several deductions come out before you see your take-home pay. Our tool breaks down all these deductions clearly. Here's what it calculates:
- Federal Income Tax: This depends on your income and filing status, following the IRS tax brackets that apply nationwide
- State Income Tax: North Dakota charges 1.1% - 2.9% on your income
- Social Security Tax: 6.2% of your gross wages (capped at the annual wage base)
- Medicare Tax: 1.45% of all gross wages
- Additional Medicare Tax: 0.9% on earnings above $200,000 for single filers
How to Use This Calculator
It's pretty straightforward. Just follow these steps:
- Enter your gross pay (what you earn before any deductions)
- Pick how often you get paid - weekly, bi-weekly, semi-monthly, monthly, or annually
- Select North Dakota as your state
- Choose your filing status (single, married, etc.)
- Hit calculate and see your results
You'll see a detailed breakdown showing exactly where your money goes. Get instant, accurate results with our free tool.
How North Dakota Compares
Tax Comparison
North Dakota charges state income tax at 1.1% - 2.9%. How does that stack up against other states? Well, it depends on your income level and what you value. States without income tax might seem appealing, but they often make up for it with higher property or sales taxes.
| State | Income Tax Rate | Comparison |
|---|---|---|
| North Dakota | 1.1% - 2.9% | Your State |
| Georgia | 1% - 5.75% | Has income tax |
| Ohio | 0% - 3.99% | Has income tax |
| California | 1% - 13.3% | Has income tax |
What Makes North Dakota Different?
Every state with income tax handles it differently. North Dakota's approach to taxation affects how much you take home. Some states use a flat rate, while others have progressive brackets like the federal system. Understanding this helps you plan better, especially if you're considering a move or comparing job offers.
Why Use Our North Dakota Paycheck Calculator?
- Accurate for North Dakota: Uses current tax rates specific to your state
- Easy to understand: No confusing jargon or complicated forms
- Detailed breakdown: See exactly how much goes to each tax
- Free to use: No signup required, no hidden fees
- Updated regularly: We keep up with tax law changes so you don't have to
Living and Working in North Dakota
Economic Overview
Job Market
North Dakota's economy balances energy extraction, agriculture, healthcare, and education. The Bakken oil formation drove employment boom with high-paying energy sector jobs, though positions fluctuate with oil prices. Agriculture remains foundational despite mechanization. Healthcare systems hire throughout the state. State government employment centers in Bismarck. Universities in Fargo and Grand Forks provide education sector jobs. A $70,000 position in Fargo or Bismarck provides solid lifestyle given affordable costs, while energy sector positions may pay $80,000-100,000+ during boom times.
Cost of Living
North Dakota offers affordable costs in most areas, though energy boom towns experienced temporary inflation. Fargo, Bismarck, Grand Forks, and Minot maintain housing costs well below national averages - quality homes typically sell for $200,000-300,000. Property taxes stay moderate. Heating costs run substantial given extreme winters - proper housing, vehicles, and heating add expenses not faced in milder climates. Groceries and services generally cost less than national averages. Overall affordability means moderate incomes support comfortable lifestyles for those willing to endure harsh winters.
Frequently Asked Questions
How accurate is this calculator?
Our calculator is very accurate for most people. We use the current federal and North Dakota state tax rates. However, everyone's situation is unique - things like additional withholdings, pre-tax deductions (401k, health insurance), or local taxes can affect your actual paycheck. Think of this as a solid estimate rather than an exact figure.
Why is my actual paycheck different?
A few reasons. Your employer might withhold extra for benefits, retirement contributions, or you might have requested additional withholding. Some North Dakota localities also have their own taxes. Check your pay stub for the full breakdown.
Should I adjust my withholding?
That depends. If you're getting a huge refund every year, you're basically giving the government an interest-free loan. If you owe a lot at tax time, you might want to withhold more. The sweet spot is owing or getting back a small amount. Use this calculator to see if your current withholding makes sense.