See your real net paycheck in Rochester for 2026. Break down federal tax, state income tax, Social Security, and Medicare, then view weekly, biweekly, and monthly take-home pay.
Last updated: May 2026 · Data: U.S. Census, BLS, IRS, state and city sources
Rochester median household income: $80,000 · Avg 1BR rent: $1,150/mo
Minnesota levies a state income tax (5.35% to 9.85%) that comes out of every Rochester paycheck on top of federal tax and FICA. Minnesota has four income tax brackets with a top rate of 9.85%, one of the highest in the nation. The state does not tax Social Security benefits for most residents.
| Gross Salary | Annual Take-Home | Monthly Take-Home | Effective Tax Rate |
|---|---|---|---|
| $40,000 | $32,841 | $2,737 | 17.9% |
| $60,000 | $47,648 | $3,971 | 20.6% |
| $80,000 | $60,706 | $5,059 | 24.1% |
| $120,000 | $86,083 | $7,174 | 28.3% |
| $160,000 | $110,283 | $9,190 | 31.1% |
Single filer, standard deduction, no pre-tax deductions. Estimates only.
Rochester is defined by the Mayo Clinic, one of the largest and most renowned medical centers in the world, which anchors a healthcare, biotechnology, and research economy and drives the multibillion-dollar Destination Medical Center development.
| Local Metric | Rochester (2026 estimate) |
|---|---|
| Metro population | 125,000 |
| County / jurisdiction | Olmsted County |
| Cost of living index (US avg = 100) | 101 |
| Regional living wage, single adult | $21.00/hour |
| Regional living wage, one earner supporting a family of four | $42.50/hour |
| Applicable minimum wage | $11.13/hour |
| Average rent, 1-bedroom | $1,150/month |
| Average rent, 2-bedroom | $1,450/month |
| Median home price | $320,000 |
| Median household income | $80,000/year |
| Combined sales tax rate | 8.125% |
| Effective property tax rate | 1.1% of value/year |
Local figures are 2026 estimates compiled from U.S. Census and Zillow housing data, and city and county sources. Verify current figures before relying on them.
On a $80,000 salary (single, standard deduction) in Rochester, estimated take-home pay is roughly $60,706/year. With median household income near $80,000 and average 1-bedroom rent of $1,150/month, housing alone can take a large share of net pay.
Federal income tax and FICA (Social Security 6.2% up to $176,100, Medicare 1.45%) apply to every worker. Minnesota state income tax (5.35% to 9.85%) also applies in Rochester.
Rochester does not impose a city income tax. Your paycheck reflects federal tax, Minnesota state tax, and FICA.
For the 2025 tax year filed in 2026, the federal standard deduction is $15,000 (single) and $30,000 (married filing jointly). This calculator applies it before computing federal and state income tax.
Contribute more to a pre-tax 401(k) or 403(b), use an HSA or FSA, and claim eligible deductions. These reduce federal and Minnesota state income tax, though most do not reduce Social Security or Medicare.