2026 Tax Year · Single Filer · Minnesota

$48 an Hour in Minnesota — After-Tax Take-Home (2026)

At $48/hour (2,080 hours/year), your gross annual income is $99,840. After federal income tax, Social Security, Medicare, and Minnesota state income tax, your take-home pay is $35.50/hr. In Minnesota's medium cost-of-living environment, this is a comfortable living wage in Minnesota.

Gross Annual
$99,840
Net Annual
$73,833
Net Monthly
$6,153
Net Hourly
$35.50

Pay Period Breakdown

Period Gross Tax Net
Hourly $48.00 $12.50 $35.50
Daily (8 hrs) $384.00 $100.03 $283.97
Weekly (40 hrs) $1,920.00 $500.14 $1,419.86
Biweekly $3,840.00 $1,000.28 $2,839.72
Monthly $8,320.00 $2,167.28 $6,152.72
Annual $99,840 $26,007 $73,833

Full Tax Breakdown — Minnesota, Single Filer

Item Rate / Notes Amount
Gross Annual Income $48/hr × 2,080 hrs $99,840
Federal Standard Deduction Single 2026 −$16,100
Federal Taxable Income $83,740
Federal Income Tax 13.2% −$13,134.80
Social Security (6.2%) up to $168,600 −$6,190.08
Medicare (1.45%) −$1,447.68
Minnesota Standard Deduction Single 2026 −$16,100
Minnesota State Income Tax 5.2% −$5,234.82
Total Tax 26.0% effective −$26,007.38
Net Take-Home $73,833

How Does Minnesota Compare?

See how $48/hr take-home differs in other states at the same wage:

State State Tax Net Monthly Net Annual
California $5,343.70 $6,144/mo $73,724 Florida None $6,589/mo $79,067 New York $4,942.49 $6,177/mo $74,125 Texas None $6,589/mo $79,067 Washington None $6,589/mo $79,067
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Equivalent Annual Salary Pages

$48/hr = $99,840/year gross. See the full state-by-state salary breakdown:

$99,840 salary in Minnesota — full breakdown $99,840 after tax in Minnesota $99,840 salary to hourly Minnesota paycheck calculator

Adjacent Rates in Minnesota

$45/hr in Minnesota$46/hr in Minnesota$47/hr in Minnesota$49/hr in Minnesota$50/hr in Minnesota$51/hr in Minnesota

Same Rate, Other States

$48/hr in Alabama$48/hr in Alaska$48/hr in Arizona$48/hr in Arkansas$48/hr in California$48/hr in Colorado

Cost of Living in Minnesota

✓ Comfortable — $48/hr covers costs in Minnesota
  • Avg 1BR rent in Minneapolis: $1,250/mo — within budget (15% of gross monthly)
  • Minimum comfortable income in Minnesota: $42,000/yr
  • Your net annual: $73,833 ($31,833 above comfortable threshold)
  • Purchasing power equivalent in Texas: ~$48/hr

Working at $48/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 ${rate}/hr, you work roughly 36 hours each month to cover a typical 1BR in Minneapolis (${rent.toLocaleString()}/mo) -- that's within the 30% gross income guideline. This wage is 4.3x Minnesota's minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in Minnesota is 26.0% -- federal income tax accounts for 13.2%, FICA 7.6%, and Minnesota state tax 5.2%.

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 $48/hr in Minnesota

Based on $6,153/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 20.3%
Food (groceries + dining) $738 $8,856 12.0%
Transportation $615 $7,380 10.0%
Utilities $369 $4,428 6.0%
Healthcare $308 $3,696 5.0%
Entertainment $308 $3,696 5.0%
Savings (10% target) $615 $7,380 10.0%
Remaining / Surplus $1,950 $23,400 31.7%

Overtime Pay — $48/hr in Minnesota

At time-and-a-half ($72.00/hr), here's what overtime adds to your annual net income in Minnesota. Your marginal tax rate at this income level is ~30.3%.

Extra Hours/Week OT Gross/Week Net/Week (est.) Added Net/Year
5 hrs/week $360 $251 $12,550
10 hrs/week $720 $502 $25,100
20 hrs/week $1,440 $1,004 $50,200

Hours to Afford Common Purchases at $48/hr

How many hours of work (gross) to buy common items. Actual cost in after-tax hours is higher — divide by your $35.50 net hourly rate for the true cost in time.

Purchase Price Gross Hours Net Hours
Tank of gas (12 gal) $50 1.1 hrs 1.5 hrs
Week of groceries $120 2.5 hrs 3.4 hrs
iPhone 16 (base) $799 16.7 hrs 22.6 hrs
1 month rent (Minneapolis) $1,250 26.1 hrs 35.3 hrs
Used car ($10k) $10,000 208.4 hrs 281.8 hrs
Median new car ($48k) $48,000 1000 hrs 1352.3 hrs

Frequently Asked Questions

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

48/hr in Minnesota gives you $73,833/year after taxes -- a comfortable living wage in Minnesota. Avg 1BR rent in Minneapolis: $1,250/month (within the 30% rule).

What is 48 an hour after taxes in Minnesota?

48/hr in Minnesota = $73,833/year or $6,153/month net. Effective rate: 26.0%.

How does 48/hr go further -- Minnesota or Texas?

48/hr in Minnesota has similar purchasing power to ~48/hr in Texas.

What does 48/hr look like as a monthly budget in Minnesota?

On $6,153/month in Minnesota: rent $1,250, food $738, transport $615, savings $615, surplus ~$1,950.

How much does overtime add at 48/hr in Minnesota?

At 1.5x (72.00/hr OT), 5 extra hrs/week adds ~$12,550/year net; 10 hrs/week adds ~$25,100/year.