2026 Tax Year · Single Filer · Minnesota

$10 an Hour in Minnesota — After-Tax Take-Home (2026)

At $10/hour (2,080 hours/year), your gross annual income is $20,800. After federal income tax, Social Security, Medicare, and Minnesota state income tax, your take-home pay is $8.89/hr. In Minnesota's medium cost-of-living environment, this is below what's needed for comfortable living in Minnesota.

Gross Annual
$20,800
Net Annual
$18,487
Net Monthly
$1,541
Net Hourly
$8.89

Pay Period Breakdown

Period Gross Tax Net
Hourly $10.00 $1.11 $8.89
Daily (8 hrs) $80.00 $8.89 $71.11
Weekly (40 hrs) $400.00 $44.47 $355.53
Biweekly $800.00 $88.95 $711.05
Monthly $1,733.33 $192.72 $1,540.61
Annual $20,800 $2,313 $18,487

Full Tax Breakdown — Minnesota, Single Filer

Item Rate / Notes Amount
Gross Annual Income $10/hr × 2,080 hrs $20,800
Federal Standard Deduction Single 2026 −$16,100
Federal Taxable Income $4,700
Federal Income Tax 2.3% −$470.00
Social Security (6.2%) up to $168,600 −$1,289.60
Medicare (1.45%) −$301.60
Minnesota Standard Deduction Single 2026 −$16,100
Minnesota State Income Tax 1.2% −$251.45
Total Tax 11.1% effective −$2,312.65
Net Take-Home $18,487

How Does Minnesota Compare?

See how $10/hr take-home differs in other states at the same wage:

State State Tax Net Monthly Net Annual
California $204.40 $1,545/mo $18,534 Florida None $1,562/mo $18,739 New York $512.00 $1,519/mo $18,227 Texas None $1,562/mo $18,739 Washington None $1,562/mo $18,739
Open Full Calculator for Minnesota — $10/hr →

Equivalent Annual Salary Pages

$10/hr = $20,800/year gross. See the full state-by-state salary breakdown:

$20,800 salary in Minnesota — full breakdown $20,800 after tax in Minnesota $20,800 salary to hourly Minnesota paycheck calculator

Adjacent Rates in Minnesota

$11/hr in Minnesota$12/hr in Minnesota$13/hr in Minnesota

Same Rate, Other States

$10/hr in Alabama$10/hr in Alaska$10/hr in Arizona$10/hr in Arkansas$10/hr in California$10/hr in Colorado

Cost of Living in Minnesota

✗ Difficult — $10/hr falls short in Minnesota
  • Avg 1BR rent in Minneapolis: $1,250/mo — over the 30% rule (72% of gross monthly)
  • Minimum comfortable income in Minnesota: $42,000/yr
  • Your net annual: $18,487 ($23,513 below comfortable threshold)
  • Purchasing power equivalent in Texas: ~$10/hr

Working at $10/hr in Minnesota

Minnesota's progressive income tax starts hitting meaningfully around $20k. At lower wages, the effective state rate is 4–5%. Minneapolis 1BR rents average $1,250/month. The city's strong labor movement and corporate presence create upward mobility.

At ${rate}/hr, you work roughly 141 hours each month to cover a typical 1BR in Minneapolis (${rent.toLocaleString()}/mo) -- that's above the 30% gross income guideline. This wage is 0.9x Minnesota's minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in Minnesota is 11.1% -- federal income tax accounts for 2.3%, FICA 7.6%, and Minnesota state tax 1.2%.

Minnesota has a highly educated workforce and strong corporate base — Target, UnitedHealth Group, 3M, General Mills, and Best Buy are all headquartered here. The Twin Cities metro has a diverse, resilient economy. Healthcare, finance, retail, and manufacturing are major sectors.

Minnesota has a progressive income tax with a top rate of 9.85% — one of the highest in the Midwest. The brackets are steep: the 6.8% rate applies above ~$29k for single filers. This creates a noticeably higher state tax burden at mid and upper incomes relative to neighboring Wisconsin or Iowa.

Minnesota's minimum wage is $11.13/hr for large employers (2026).

Monthly Budget on $10/hr in Minnesota

Based on $1,541/month take-home. Percentages follow common 50/30/20 guidelines adjusted for Minnesota's cost of living.

Category Monthly Annual % of Net
Rent / Housing $1,250 $15,000 81.1%
Food (groceries + dining) $185 $2,220 12.0%
Transportation $154 $1,848 10.0%
Utilities $92 $1,104 6.0%
Healthcare $77 $924 5.0%
Entertainment $77 $924 5.0%
Savings (10% target) $154 $1,848 10.0%
Remaining / Surplus $-448 $-5,376 -29.1%

⚠ This budget is underwater — rent alone exceeds the 30% guideline in Minnesota at $10/hr. Consider roommates, lower-cost areas, or targeting a higher wage to reach balance.

Overtime Pay — $10/hr in Minnesota

At time-and-a-half ($15.00/hr), here's what overtime adds to your annual net income in Minnesota. Your marginal tax rate at this income level is ~16.8%.

Extra Hours/Week OT Gross/Week Net/Week (est.) Added Net/Year
5 hrs/week $75 $62 $3,100
10 hrs/week $150 $125 $6,250
20 hrs/week $300 $250 $12,500

Hours to Afford Common Purchases at $10/hr

How many hours of work (gross) to buy common items. Actual cost in after-tax hours is higher — divide by your $8.89 net hourly rate for the true cost in time.

Purchase Price Gross Hours Net Hours
Tank of gas (12 gal) $50 5 hrs 5.7 hrs
Week of groceries $120 12 hrs 13.6 hrs
iPhone 16 (base) $799 79.9 hrs 89.9 hrs
1 month rent (Minneapolis) $1,250 125 hrs 140.7 hrs
Used car ($10k) $10,000 1000 hrs 1125.1 hrs
Median new car ($48k) $48,000 4800 hrs 5400.5 hrs

Frequently Asked Questions

10 an hour -- is it a good wage in Minnesota?

10/hr in Minnesota gives you $18,487/year after taxes -- below what's needed for comfortable living in Minnesota. Avg 1BR rent in Minneapolis: $1,250/month (exceeds the 30% rule).

What is 10 an hour after taxes in Minnesota?

10/hr in Minnesota = $18,487/year or $1,541/month net. Effective rate: 11.1%.

How does 10/hr go further -- Minnesota or Texas?

10/hr in Minnesota has similar purchasing power to ~10/hr in Texas.

What does 10/hr look like as a monthly budget in Minnesota?

On $1,541/month in Minnesota: rent $1,250, food $185, transport $154, savings $154, surplus ~$0.

How much does overtime add at 10/hr in Minnesota?

At 1.5x (15.00/hr OT), 5 extra hrs/week adds ~$3,100/year net; 10 hrs/week adds ~$6,250/year.