2026 Tax Year · Single Filer · Minnesota

$20 an Hour in Minnesota — After-Tax Take-Home (2026)

At $20/hour (2,080 hours/year), your gross annual income is $41,600. After federal income tax, Social Security, Medicare, and Minnesota state income tax, your take-home pay is $16.46/hr. In Minnesota's medium cost-of-living environment, this is below what's needed for comfortable living in Minnesota.

Gross Annual
$41,600
Net Annual
$34,241
Net Monthly
$2,853
Net Hourly
$16.46

Pay Period Breakdown

Period Gross Tax Net
Hourly $20.00 $3.54 $16.46
Daily (8 hrs) $160.00 $28.30 $131.70
Weekly (40 hrs) $800.00 $141.51 $658.49
Biweekly $1,600.00 $283.03 $1,316.98
Monthly $3,466.67 $613.22 $2,853.45
Annual $41,600 $7,359 $34,241

Full Tax Breakdown — Minnesota, Single Filer

Item Rate / Notes Amount
Gross Annual Income $20/hr × 2,080 hrs $41,600
Federal Standard Deduction Single 2026 −$16,100
Federal Taxable Income $25,500
Federal Income Tax 6.8% −$2,812.00
Social Security (6.2%) up to $168,600 −$2,579.20
Medicare (1.45%) −$603.20
Minnesota Standard Deduction Single 2026 −$16,100
Minnesota State Income Tax 3.3% −$1,364.25
Total Tax 17.7% effective −$7,358.65
Net Take-Home $34,241

How Does Minnesota Compare?

See how $20/hr take-home differs in other states at the same wage:

State State Tax Net Monthly Net Annual
California $838.38 $2,897/mo $34,767 Florida None $2,967/mo $35,606 New York $1,535.45 $2,839/mo $34,070 Texas None $2,967/mo $35,606 Washington None $2,967/mo $35,606
Open Full Calculator for Minnesota — $20/hr →

Equivalent Annual Salary Pages

$20/hr = $41,600/year gross. See the full state-by-state salary breakdown:

$41,600 salary in Minnesota — full breakdown $41,600 after tax in Minnesota $41,600 salary to hourly Minnesota paycheck calculator

Adjacent Rates in Minnesota

$17/hr in Minnesota$18/hr in Minnesota$19/hr in Minnesota$21/hr in Minnesota$22/hr in Minnesota$23/hr in Minnesota

Same Rate, Other States

$20/hr in Alabama$20/hr in Alaska$20/hr in Arizona$20/hr in Arkansas$20/hr in California$20/hr in Colorado

Cost of Living in Minnesota

✗ Difficult — $20/hr falls short in Minnesota
  • Avg 1BR rent in Minneapolis: $1,250/mo — over the 30% rule (36% of gross monthly)
  • Minimum comfortable income in Minnesota: $42,000/yr
  • Your net annual: $34,241 ($7,759 below comfortable threshold)
  • Purchasing power equivalent in Texas: ~$20/hr

Working at $20/hr in Minnesota

This is a comfortable income in the Twin Cities. Major corporate employers create stable mid-income employment. The 6.8% state rate on income above $29k is a real factor — notably higher than Iowa, Wisconsin, or Colorado at comparable income levels.

At ${rate}/hr, you work roughly 76 hours each month to cover a typical 1BR in Minneapolis (${rent.toLocaleString()}/mo) -- that's above the 30% gross income guideline. This wage is 1.8x Minnesota's minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in Minnesota is 17.7% -- federal income tax accounts for 6.8%, FICA 7.6%, and Minnesota state tax 3.3%.

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 $20/hr in Minnesota

Based on $2,853/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 43.8%
Food (groceries + dining) $342 $4,104 12.0%
Transportation $285 $3,420 10.0%
Utilities $171 $2,052 6.0%
Healthcare $143 $1,716 5.0%
Entertainment $143 $1,716 5.0%
Savings (10% target) $285 $3,420 10.0%
Remaining / Surplus $234 $2,808 8.2%

Overtime Pay — $20/hr in Minnesota

At time-and-a-half ($30.00/hr), here's what overtime adds to your annual net income in Minnesota. Your marginal tax rate at this income level is ~18.8%.

Extra Hours/Week OT Gross/Week Net/Week (est.) Added Net/Year
5 hrs/week $150 $122 $6,100
10 hrs/week $300 $244 $12,200
20 hrs/week $600 $487 $24,350

Hours to Afford Common Purchases at $20/hr

How many hours of work (gross) to buy common items. Actual cost in after-tax hours is higher — divide by your $16.46 net hourly rate for the true cost in time.

Purchase Price Gross Hours Net Hours
Tank of gas (12 gal) $50 2.5 hrs 3.1 hrs
Week of groceries $120 6 hrs 7.3 hrs
iPhone 16 (base) $799 40 hrs 48.6 hrs
1 month rent (Minneapolis) $1,250 62.5 hrs 76 hrs
Used car ($10k) $10,000 500 hrs 607.5 hrs
Median new car ($48k) $48,000 2400 hrs 2915.8 hrs

Frequently Asked Questions

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

20/hr in Minnesota gives you $34,241/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 20 an hour after taxes in Minnesota?

20/hr in Minnesota = $34,241/year or $2,853/month net. Effective rate: 17.7%.

How does 20/hr go further -- Minnesota or Texas?

20/hr in Minnesota has similar purchasing power to ~20/hr in Texas.

What does 20/hr look like as a monthly budget in Minnesota?

On $2,853/month in Minnesota: rent $1,250, food $342, transport $285, savings $285, surplus ~$234.

How much does overtime add at 20/hr in Minnesota?

At 1.5x (30.00/hr OT), 5 extra hrs/week adds ~$6,100/year net; 10 hrs/week adds ~$12,200/year.