2026 Tax Year · Single Filer · Minnesota

$13 an Hour in Minnesota — After-Tax Take-Home (2026)

At $13/hour (2,080 hours/year), your gross annual income is $27,040. After federal income tax, Social Security, Medicare, and Minnesota state income tax, your take-home pay is $11.20/hr. In Minnesota's medium cost-of-living environment, this is below what's needed for comfortable living in Minnesota.

Gross Annual
$27,040
Net Annual
$23,292
Net Monthly
$1,941
Net Hourly
$11.20

Pay Period Breakdown

Period Gross Tax Net
Hourly $13.00 $1.80 $11.20
Daily (8 hrs) $104.00 $14.41 $89.59
Weekly (40 hrs) $520.00 $72.07 $447.93
Biweekly $1,040.00 $144.15 $895.85
Monthly $2,253.33 $312.32 $1,941.01
Annual $27,040 $3,748 $23,292

Full Tax Breakdown — Minnesota, Single Filer

Item Rate / Notes Amount
Gross Annual Income $13/hr × 2,080 hrs $27,040
Federal Standard Deduction Single 2026 −$16,100
Federal Taxable Income $10,940
Federal Income Tax 4.0% −$1,094.00
Social Security (6.2%) up to $168,600 −$1,676.48
Medicare (1.45%) −$392.08
Minnesota Standard Deduction Single 2026 −$16,100
Minnesota State Income Tax 2.2% −$585.29
Total Tax 13.9% effective −$3,747.85
Net Take-Home $23,292

How Does Minnesota Compare?

See how $13/hr take-home differs in other states at the same wage:

State State Tax Net Monthly Net Annual
California $329.20 $1,962/mo $23,548 Florida None $1,990/mo $23,877 New York $771.05 $1,926/mo $23,106 Texas None $1,990/mo $23,877 Washington None $1,990/mo $23,877
Open Full Calculator for Minnesota — $13/hr →

Equivalent Annual Salary Pages

$13/hr = $27,040/year gross. See the full state-by-state salary breakdown:

$27,040 salary in Minnesota — full breakdown $27,040 after tax in Minnesota $27,040 salary to hourly Minnesota paycheck calculator

Adjacent Rates in Minnesota

$10/hr in Minnesota$11/hr in Minnesota$12/hr in Minnesota$14/hr in Minnesota$15/hr in Minnesota$16/hr in Minnesota

Same Rate, Other States

$13/hr in Alabama$13/hr in Alaska$13/hr in Arizona$13/hr in Arkansas$13/hr in California$13/hr in Colorado

Cost of Living in Minnesota

✗ Difficult — $13/hr falls short in Minnesota
  • Avg 1BR rent in Minneapolis: $1,250/mo — over the 30% rule (55% of gross monthly)
  • Minimum comfortable income in Minnesota: $42,000/yr
  • Your net annual: $23,292 ($18,708 below comfortable threshold)
  • Purchasing power equivalent in Texas: ~$13/hr

Working at $13/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 ${rate}/hr, you work roughly 112 hours each month to cover a typical 1BR in Minneapolis (${rent.toLocaleString()}/mo) -- that's above the 30% gross income guideline. This wage is 1.2x Minnesota's minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in Minnesota is 13.9% -- federal income tax accounts for 4.0%, FICA 7.6%, and Minnesota state tax 2.2%.

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 $13/hr in Minnesota

Based on $1,941/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 64.4%
Food (groceries + dining) $233 $2,796 12.0%
Transportation $194 $2,328 10.0%
Utilities $116 $1,392 6.0%
Healthcare $97 $1,164 5.0%
Entertainment $97 $1,164 5.0%
Savings (10% target) $194 $2,328 10.0%
Remaining / Surplus $-240 $-2,880 -12.4%

⚠ This budget is underwater — rent alone exceeds the 30% guideline in Minnesota at $13/hr. Consider roommates, lower-cost areas, or targeting a higher wage to reach balance.

Overtime Pay — $13/hr in Minnesota

At time-and-a-half ($19.50/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 $98 $81 $4,050
10 hrs/week $195 $162 $8,100
20 hrs/week $390 $324 $16,200

Hours to Afford Common Purchases at $13/hr

How many hours of work (gross) to buy common items. Actual cost in after-tax hours is higher — divide by your $11.20 net hourly rate for the true cost in time.

Purchase Price Gross Hours Net Hours
Tank of gas (12 gal) $50 3.9 hrs 4.5 hrs
Week of groceries $120 9.3 hrs 10.8 hrs
iPhone 16 (base) $799 61.5 hrs 71.4 hrs
1 month rent (Minneapolis) $1,250 96.2 hrs 111.7 hrs
Used car ($10k) $10,000 769.3 hrs 893.1 hrs
Median new car ($48k) $48,000 3692.4 hrs 4286.5 hrs

Frequently Asked Questions

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

13/hr in Minnesota gives you $23,292/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 13 an hour after taxes in Minnesota?

13/hr in Minnesota = $23,292/year or $1,941/month net. Effective rate: 13.9%.

How does 13/hr go further -- Minnesota or Texas?

13/hr in Minnesota has similar purchasing power to ~13/hr in Texas.

What does 13/hr look like as a monthly budget in Minnesota?

On $1,941/month in Minnesota: rent $1,250, food $233, transport $194, savings $194, surplus ~$0.

How much does overtime add at 13/hr in Minnesota?

At 1.5x (19.50/hr OT), 5 extra hrs/week adds ~$4,050/year net; 10 hrs/week adds ~$8,100/year.