StubRate · Take-home calculator · North Dakota
Take-home pay in North Dakota
Estimate what a salary in North Dakota (ND) becomes after federal tax, ≈2.0% effective state income tax estimate, FICA, typical benefits, and optional commute costs.
North Dakota taxes wages at a relatively low effective rate in this model (~2%). Federal tax and FICA still apply. Energy and agriculture W-2 jobs can have unusual schedules; set pay frequency to match.
Use this page for Fargo healthcare and corporate work, Bismarck government, and oil-patch wages compared with Minnesota or Montana.
Sample: $85,000 single filer in North Dakota → about $5,175/mo net (73.1% stub rate) and $4,998/mo after a modest hybrid commute and lunches. Assumptions: 5% 401(k), $140/month health, three office days, 12 miles each way.
Your stub rate
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Enter a salary to see your stub rate
- Monthly take-home
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- Per paycheck
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- True monthly (after job costs)
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- Effective hourly
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Where the money goes
- Federal tax—
- State tax—
- Social Security + Medicare—
- 401(k)—
- Health premiums—
- Commute & work costs—
Income tax in North Dakota
Low state tax is not zero tax. Minnesota’s higher rate is the usual comparison for Fargo–Moorhead households. Residency on the river matters.
StubRate does not model oil-field per diems or rotational pay quirks. Salary and ordinary W-2 wages only.
Every U.S. W-2 wage still faces federal income tax and FICA (Social Security plus Medicare). North Dakota’s difference is the state line—and any local wage tax if your city charges one.
Sample take-home by salary in North Dakota
Single filer, biweekly pay, 5% traditional 401(k), $140/month health premium, no commute. Educational estimates only.
| Gross salary | Est. net / month | Est. net / year | Stub rate | State tax / year |
|---|---|---|---|---|
| $50,000 | $3,146 | $37,747 | 75.5% | $916 |
| $75,000 | $4,638 | $55,650 | 74.2% | $1,391 |
| $100,000 | $5,982 | $71,788 | 71.8% | $1,866 |
| $125,000 | $7,327 | $87,925 | 70.3% | $2,341 |
| $150,000 | $8,634 | $103,613 | 69.1% | $2,816 |
Living and commuting in North Dakota
Fargo, Bismarck, Grand Forks, and Minot have harsh winters and relatively manageable housing compared with coastal cities. Commutes are short unless the site is a patch drive.
Rotation work is travel, not a 12-mile city commute. Do not use the hybrid sample as a Bakken schedule.
Common job markets on this page: Fargo, Bismarck, Grand Forks, Minot. Housing and office days change true stub rate more than a small difference in the state tax shortcut.
Compare two offers if one job is in North Dakota and the other is elsewhere—or if commute days differ.
Nearby take-home calculators
Same salary, different state tax line. Open a neighbor to compare.
Guides that pair with North Dakota take-home
North Dakota take-home questions
Does North Dakota have state income tax?
Yes. StubRate uses an approximate 2.0% effective rate for estimates—not a full bracket simulation or every local wage tax.
What is take-home pay on $85,000 in North Dakota?
Using StubRate’s sample for a single filer with 5% 401(k) and a $140/month health premium, about $5,175/month net before extra job costs, or roughly $4,998/month after a modest hybrid commute (three office days, 12 miles each way, lunches). Your numbers will differ.
How much do I keep on $100,000 in North Dakota?
Under the tax-only sample (single, 5% 401(k), $140/month health, no commute), about $5,982/month, or 71.8% of gross. Add commute and lunches in the calculator to see true take-home.
Is this North Dakota calculator official tax software?
No. It is an educational estimate for comparing offers. It does not file a return, model every local tax, or replace a payroll sample or a tax professional.