What is take-home pay on $80,000 in St. Paul?

A single W-2 filer keeps about $61,193 a year, or $5,099 a month (76.5% of gross).

Can you afford rent on $80,000 in St. Paul?

Typical 1-bedroom rent is $1,350/month. The 30% rule implies about $54,000 of gross income. Comfortable single-earner budget: $90,000.

Stretch

Is $80,000 enough in St. Paul?

Q: Is $80,000 a good salary in St. Paul in 2026?

It can work, but St. Paul will feel tight. Housing will take a large share of take-home pay unless you have a roommate, cheaper neighborhood, or remote-location arb.

It can work, but St. Paul will feel tight. After federal, FICA, Minnesota tax, and any local wage tax, take-home is about $61,193.

Housing will take a large share of take-home pay unless you have a roommate, cheaper neighborhood, or remote-location arb.

2026 paycheck inputs

Gross pay

Match the frequency below. Hourly is hours per week × 52. Dollar signs and commas are fine.

Frequency

Hours / week

State

City (optional local tax)

Filing status

Employment

Traditional 401(k) / year

Local tax override %

Take-home

$61,193

$5,099 a month · 76.5% of gross after tax

Monthly: $5,099
Biweekly: $2,354
Weekly: $1,177
Hourly take-home: $29.42
Effective tax rate: 23.5%
Federal marginal: 22.0%

Federal income tax	$8,770
State income tax	$3,917
Social Security	$4,960
Medicare	$1,160
Total tax	$18,807

Minnesota has one of the more progressive state taxes. Annual liability estimate for tax year 2026, not a W-4 withholding forecast.

State guide City cost of living W-2 vs 1099

St. Paul cost of living Minnesota paycheck calculator

FAQ

Is $80,000 a good salary in St. Paul in 2026?

What is take-home pay on $80,000 in St. Paul?

Can you afford rent on $80,000 in St. Paul?