The $100,000 Salary Analysis for Dickinson, ND

This guide assumes a single filer with the standard deduction. Numbers are estimates for 2023/2024 tax rules. $100,000 is the Nominal Salary—the number on your offer letter. It does not reflect what you can actually buy.

1. The Verification Test

This is the reality check. You do not take home $100,000.

• Gross Salary: $100,000
• Federal Tax: ~ $14,000 (Effective rate ~14%)
• FICA (Social Security/Medicare): ~ $7,650 (7.65%)
• North Dakota State Tax: ~ $2,800 (Est. 3.2% effective rate)
  • Note: ND has a graduated income tax (1.1% - 2.5%). It is lower than CA/NY but higher than TX/FL.
• Net Pay (Take-Home): ~$75,550 annually (~$6,295/month)

Purchasing Power: You are losing roughly 24% of your gross income to taxes immediately.

2. Smart Budget (50/30/20)

Using the $6,295 monthly net pay.

• Needs (50% - $3,147)
  • Rent (1BR): $None (User input)
  • Utilities/Heat: $200 (ND winters are expensive for heating).
  • Groceries: $400.
  • Transportation: $300 (Gas/Insurance).
• Wants (30% - $1,888)
  • Discretionary spending.
• Savings (20% - $1,259)
  • Emergency fund, 401k, etc.

If you pay market rent in Dickinson (approx. $800–$1,100), your "Needs" category will balloon, forcing you to steal from Savings.

3. Dickinson Tax Context

North Dakota is a "Low-Medium" tax state.

• Vs. Texas/Florida (0% Income Tax): You pay roughly $2,800 more in state income tax here than you would in Dallas or Orlando on a $100k salary.
• Vs. California/New York (High Tax): You save roughly $6,000–$8,000 in state income tax compared to those states.

4. FAQ

"Is $100k good here?"
It is a solid salary, but not "wealthy." In Dickinson, $100k puts you in a comfortable position, largely due to the lack of sales tax in the city and generally lower housing costs compared to national metros. However, the purchasing power is diluted by the high cost of goods/services in an isolated oil-basin economy.

"Local income tax?"
No. Dickinson has 0% local city income tax. You only pay Federal and State.