PayCalculator

Saint Paul, MN Salary Calculator

What common salaries actually put in your pocket in Saint Paul after federal, state taxes and FICA. Based on 2026 brackets.

Take-home pay in Saint Paul — single filer, bi-weekly

Gross salary Net annual Per paycheck Per month Effective rate
$50,000 $39,273 $1,511 $3,273 21.5%
$75,000 $56,508 $2,173 $4,709 24.7%
$100,000 $72,396 $2,784 $6,033 27.6%
$150,000 $103,055 $3,964 $8,588 31.3%

Calculations use 2026 federal brackets, Minnesota state tax, and FICA. Assumes the standard deduction and no pre-tax 401(k) contributions. Married filers and those with retirement contributions will keep more.

Run custom numbers in the Minnesota calculator →

Cost of living in Saint Paul

Saint Paul's cost of living index is 97 (US average = 100). That means overall expenses in Saint Paul run about 3% lower the national average. A $75,000 paycheck in Saint Paul has roughly the same purchasing power as $77,320 in an average-cost US city — housing is usually the biggest driver of the gap.

Median household income here is approximately $65,876. After all taxes, the median single-filer household takes home roughly $50,710 per year.

No city income tax

Saint Paul does not levy a separate city income tax. You pay federal tax, Minnesota state tax, and FICA — but no additional municipal wage tax like residents of New York City, Philadelphia, or Columbus face.

About working in Saint Paul

Saint Paul is the state capital — government employment dominates. 3M is HQ'd in nearby Maplewood, Securian and Ecolab have major presences. Slightly lower COL than Minneapolis, with similar income tax burden.

Largest employers

  • State of Minnesota
  • M Health Fairview
  • 3M
  • Securian Financial
  • Ecolab

Where Saint Paul workers tend to live

  • Cathedral Hill / Summit

    Historic, walkable, established, mid-priced

  • Highland Park

    Suburban-feeling, family-friendly, top schools

  • Lowertown

    Walkable downtown, restored warehouses, urban density

How Saint Paul compares to nearby cities

Net pay on a $75,000 salary — same filing status, same federal tax — differs because of state tax, city tax, and cost-of-living differences.

City Net pay ($75K) COL
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Frequently asked questions

What's the take-home pay on a $75,000 salary in Saint Paul? ▾
A $75,000 salary in Saint Paul, MN gives roughly $56,508 per year after federal tax, Minnesota state tax, and FICA — single filer, bi-weekly pay. That's about $2,173 per paycheck or $4,709 per month. Effective tax rate is approximately 24.7%.
What's the cost of living in Saint Paul compared to the US average? ▾
Saint Paul's cost of living index is 97 (US average = 100), meaning overall expenses are about 3% lower the national average. Put differently: $75,000 in Saint Paul has roughly the same buying power as $77,320 in an average-cost US city. Housing usually drives most of the difference.
What's the median household income in Saint Paul? ▾
The median household income in Saint Paul is approximately $65,876 (US Census data). After federal, state, and FICA taxes, a single filer earning the median in Saint Paul takes home roughly $50,710 per year — effective tax rate of 23.0%.
Does Saint Paul have a city income tax? ▾
Saint Paul does not levy a separate city income tax. Workers in Saint Paul only pay federal tax, Minnesota state tax, and FICA (Social Security + Medicare).
How can I maximize take-home pay in Saint Paul? ▾
The same levers apply as anywhere in the US: max your pre-tax 401(k) (up to $23,500 in 2026), fund an HSA if you're on a high-deductible health plan ($4,300 individual / $8,550 family), and use commuter benefits if Saint Paul offers them. Every dollar you defer pre-tax avoids federal, Minnesota state, and FICA tax on that dollar — combined marginal savings typically 25–40% depending on your bracket.