2026 Tax Year · Single Filer · Minnesota

$28 an Hour in Minnesota — After-Tax Take-Home (2026)

At $28/hour (2,080 hours/year), your gross annual income is $58,240. After federal income tax, Social Security, Medicare, and Minnesota state income tax, your take-home pay is $22.39/hr. In Minnesota's medium cost-of-living environment, this is enough to get by in Minnesota, though budget carefully.

Gross Annual
$58,240
Net Annual
$46,570
Net Monthly
$3,881
Net Hourly
$22.39

Pay Period Breakdown

Period Gross Tax Net
Hourly $28.00 $5.61 $22.39
Daily (8 hrs) $224.00 $44.89 $179.11
Weekly (40 hrs) $1,120.00 $224.43 $895.57
Biweekly $2,240.00 $448.85 $1,791.15
Monthly $4,853.33 $972.51 $3,880.82
Annual $58,240 $11,670 $46,570

Full Tax Breakdown — Minnesota, Single Filer

Item Rate / Notes Amount
Gross Annual Income $28/hr × 2,080 hrs $58,240
Federal Standard Deduction Single 2026 −$16,100
Federal Taxable Income $42,140
Federal Income Tax 8.3% −$4,808.80
Social Security (6.2%) up to $168,600 −$3,610.88
Medicare (1.45%) −$844.48
Minnesota Standard Deduction Single 2026 −$16,100
Minnesota State Income Tax 4.1% −$2,406.02
Total Tax 20.0% effective −$11,670.18
Net Take-Home $46,570

How Does Minnesota Compare?

See how $28/hr take-home differs in other states at the same wage:

State State Tax Net Monthly Net Annual
California $1,759.84 $3,935/mo $47,216 Florida None $4,081/mo $48,976 New York $2,508.89 $3,872/mo $46,467 Texas None $4,081/mo $48,976 Washington None $4,081/mo $48,976
Open Full Calculator for Minnesota — $28/hr →

Equivalent Annual Salary Pages

$28/hr = $58,240/year gross. See the full state-by-state salary breakdown:

$58,240 salary in Minnesota — full breakdown $58,240 after tax in Minnesota $58,240 salary to hourly Minnesota paycheck calculator

Adjacent Rates in Minnesota

$25/hr in Minnesota$26/hr in Minnesota$27/hr in Minnesota$29/hr in Minnesota$30/hr in Minnesota$31/hr in Minnesota

Same Rate, Other States

$28/hr in Alabama$28/hr in Alaska$28/hr in Arizona$28/hr in Arkansas$28/hr in California$28/hr in Colorado

Cost of Living in Minnesota

⚠ Tight — $28/hr is borderline in Minnesota
  • Avg 1BR rent in Minneapolis: $1,250/mo — within budget (26% of gross monthly)
  • Minimum comfortable income in Minnesota: $42,000/yr
  • Your net annual: $46,570 ($4,570 above comfortable threshold)
  • Purchasing power equivalent in Texas: ~$28/hr

Working at $28/hr in Minnesota

At this level in Minnesota the progressive tax structure takes a significant bite — effective state rates often reach 7–8%. The strong corporate presence (Fortune 500 companies per capita is among the highest in the US) means high-skill workers are well compensated to offset the higher taxes.

At ${rate}/hr, you work roughly 56 hours each month to cover a typical 1BR in Minneapolis (${rent.toLocaleString()}/mo) -- that's within the 30% gross income guideline. This wage is 2.5x Minnesota's minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in Minnesota is 20.0% -- federal income tax accounts for 8.3%, FICA 7.7%, and Minnesota state tax 4.1%.

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 $28/hr in Minnesota

Based on $3,881/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 32.2%
Food (groceries + dining) $466 $5,592 12.0%
Transportation $388 $4,656 10.0%
Utilities $233 $2,796 6.0%
Healthcare $194 $2,328 5.0%
Entertainment $194 $2,328 5.0%
Savings (10% target) $388 $4,656 10.0%
Remaining / Surplus $768 $9,216 19.8%

Overtime Pay — $28/hr in Minnesota

At time-and-a-half ($42.00/hr), here's what overtime adds to your annual net income in Minnesota. Your marginal tax rate at this income level is ~20.3%.

Extra Hours/Week OT Gross/Week Net/Week (est.) Added Net/Year
5 hrs/week $210 $167 $8,350
10 hrs/week $420 $335 $16,750
20 hrs/week $840 $670 $33,500

Hours to Afford Common Purchases at $28/hr

How many hours of work (gross) to buy common items. Actual cost in after-tax hours is higher — divide by your $22.39 net hourly rate for the true cost in time.

Purchase Price Gross Hours Net Hours
Tank of gas (12 gal) $50 1.8 hrs 2.3 hrs
Week of groceries $120 4.3 hrs 5.4 hrs
iPhone 16 (base) $799 28.6 hrs 35.7 hrs
1 month rent (Minneapolis) $1,250 44.7 hrs 55.9 hrs
Used car ($10k) $10,000 357.2 hrs 446.7 hrs
Median new car ($48k) $48,000 1714.3 hrs 2143.9 hrs

Frequently Asked Questions

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

28/hr in Minnesota gives you $46,570/year after taxes -- enough to get by in Minnesota, though budget carefully. Avg 1BR rent in Minneapolis: $1,250/month (within the 30% rule).

What is 28 an hour after taxes in Minnesota?

28/hr in Minnesota = $46,570/year or $3,881/month net. Effective rate: 20.0%.

How does 28/hr go further -- Minnesota or Texas?

28/hr in Minnesota has similar purchasing power to ~28/hr in Texas.

What does 28/hr look like as a monthly budget in Minnesota?

On $3,881/month in Minnesota: rent $1,250, food $466, transport $388, savings $388, surplus ~$768.

How much does overtime add at 28/hr in Minnesota?

At 1.5x (42.00/hr OT), 5 extra hrs/week adds ~$8,350/year net; 10 hrs/week adds ~$16,750/year.