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Capital Gains Tax Calculator for Rochester, MN
Local data pre-filled
Capital gains tax in Rochester, MN depends on your federal rate plus Minnesota state taxes. Long-term gains (assets held >1 year) receive preferential federal rates of 0%, 15%, or 20%.
Data as of · Sources: Zillow, Census ACS, Tax Foundation, Freddie Mac
Minnesota Financial Snapshot (2026) — Capital Gains Tax Calculator
Bracket stack and standard deduction are the primary inputs for the capital gains tax calculator in Minnesota.
How the Capital Gains Tax Calculator Math Works Under Minnesota Law
Your Minnesota capital gains tax calculator stacks federal and state income tax onto FICA (Social Security 6.2% + Medicare 1.45%). Minnesota's 2026 structure is graduated, with a top marginal rate of 9.85%[1]. Standard deduction for single filers: $14,950. Married filing jointly: $29,900.
| Taxable income (single) | Marginal rate |
|---|---|
| $0 – $32,570 | 5.35% |
| $32,570 – $106,990 | 6.80% |
| $106,990 – $198,630 | 7.85% |
| $198,630+ | 9.85% |
Calc-specific note: Federal LT rate (0/15/20%) stacks on top of Minnesota's ordinary-income rate — there's no separate state capital gains bracket.
Worked example — Minnesota
A Minnesota investor realising $50,250 in long-term capital gains (15% on a $335,000 position) pays 15% federal ($7,538) plus 9.85% state ($4,950) = $12,487 combined. The 3.8% NIIT may apply above $200k MAGI.
Local context: Rochester, MN
Housing economics in Rochester, MN. The median home value runs 6.3% below the U.S. baseline for Rochester, MN is $335,380 per Zillow's home-value index. Median rent runs $1,657 a month per Zillow ZORI, cheaper than the national $1,850 baseline. Effective property tax sits at 1.20% of assessed value, meaningfully higher than the 0.99% national average tracked by the Tax Foundation.
Income and tax climate. Minnesota's top marginal state income tax bracket lands at 9.85% — compared to the volume-weighted national average around 4-5%. BEA's Regional Price Parity scores Rochester, MN at 96.0 (national = 100), meaning a dollar in Rochester, MN buys 104¢ — more goods and services than the same dollar nationally.
Local context as of 2026-04-19.
Rochester versus the U.S. baseline
| Metric | Rochester, MN | U.S. baseline | Difference |
|---|---|---|---|
| Median home value[zillow] | $335,380 | $358,000 | -6.3% |
| Median monthly rent[zillow] | $1,657 | $1,850 | -10.4% |
| Property tax (effective)[tax-foundation] | 1.20% | 0.99% | 21.2% |
| State top marginal income tax[tax-foundation] | 9.85% | ~4.08% (volume-weighted) | 5.8 pp |
| State cost-of-living index[bea-rpp] | 96.0 | 100.0 | -4.0 pts |
How to use the Capital Gains Tax Calculator
Walk through using the Capital Gains Tax Calculator with Rochester, MN-specific defaults pre-loaded from primary sources.
- Enter your Rochester numbersFill in the capital gains tax inputs. Defaults reflect Rochester, MN 2026: median home $335,380, median rent $1,657/mo, 1.20% effective property tax.
- Apply the local 2026 inputsThe median home value in Rochester is $335,380 (Zillow ZHVI), with median monthly rent running $1,657/mo.
- Compare against Rochester contextMonthly PITI on the $335,380 median home in Rochester is ~$2,323/mo — vs a $1,657/mo median rent.
How Minnesota Compares to Neighboring States
| State | Median home | Top inc tax | Prop tax rate | RPP (US=100) |
|---|---|---|---|---|
| Minnesota (this page) | $335,000 | 9.85% | 1.12% | 98.3 |
| see Iowa | $215,000 | 3.80% | 1.50% | 88.8 |
| compare to North Dakota | $265,000 | 2.50% | 0.98% | 88.2 |
| check South Dakota | $275,000 | None | 1.24% | 88.1 |
| Wisconsin | $295,000 | 7.65% | 1.85% | 93.2 |
Sources: Zillow ZHVI[1], state Departments of Revenue / Tax Foundation[2], Tax Foundation property taxes[3], BEA Regional Price Parities[4].
What Changes Your Result in Minnesota
- Marginal vs effective rate:Top marginal rate (9.85%) applies to the last dollar earned above the top bracket floor. Your effective rate — total state tax divided by taxable income — will be lower for most filers.
Related Calculations for Minnesota
- how income tax works for Minnesota residents — capital gains can stack into taxable income.
How Rochester Compares to the National Average
Understanding how Rochester stacks up helps you calibrate your financial planning.
| Metric | Rochester, MN | US Average | Difference |
|---|---|---|---|
| Median Home Price | $335,380 | $420,800 | -20.3% |
| Median Monthly Rent | $1,657 | $1,713 | -3.3% |
| Median Household Income | $89,675 | $74,580 | +20.2% |
| Property Tax Rate | 1.20% | 1.10% | +9.1% |
| Cost of Living Index | 96 | 100 | -4.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Rochester Financial Snapshot
- Population (Metro)
- 225,000
- Unemployment
- 2.7%
- Avg Commute
- 18 min
- Median Age
- 35.8
- Price-to-Rent Ratio
- 16.9x
- Annual Property Tax
- $4,025
More Financial Calculators for Rochester, MN
Capital Gains Tax Calculator in Other Minnesota Cities
Frequently Asked Questions — Rochester
- Can median-income households afford the median home in Rochester?
- With a ~$2,323 monthly PITI and $89,675 median income, housing would consume ~31.1% of gross annual income. Qualifying under the 28% DTI rule requires ~$99,557 in annual income. Educational reference only.
- Is it better to rent or buy in Rochester?
- Rochester's price-to-rent ratio (16.9x) is roughly neutral — in the 15-20x range the decision depends on time horizon and wealth goals.
- What is the annual property tax bill on the median home in Rochester?
- Approximately $4,025/yr at the 1.20% effective rate on the $335,380 median home. The national average effective rate is 1.07%.
- What share of median income goes to rent in Rochester?
- The $1,657/mo median rent represents 22.2% of the $89,675 median household income. The recommended housing cost threshold is 30%; Rochester falls within that guideline. Educational reference only.
- How much does commuting cost in Rochester?
- Average commute time in Rochester is 18 minutes per ACS. Estimated annual commute cost runs about $3,136. Educational reference only.
- How does the cost of living in Rochester compare to the national average?
- Rochester's BEA RPP index is 96, 4% below the national baseline of 100. For a household earning the national median income of $77,540, this translates to ~$3,102/yr in purchasing power difference. Educational reference only.
- What is the median home price in Rochester, MN?
- The median home price in Rochester is $335,380 as of 2025–2026.
- What is the average rent in Rochester?
- The median monthly rent in Rochester, MN is $1,657.
- Does the capital gains tax replace professional advice?
- No. This calculator gives educational estimates using public Rochester data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for decisions with material consequences.
Minnesota State Context
Minnesota Real Estate Tips
Minnesota's median home price of $345,000 is near the national average, with Twin Cities metro running $350-450K.
Minnesota Housing offers multiple programs with DPA and below-market rates.
Property taxes at 1.12% are slightly above the national average.
Minnesota Homebuyer Programs
- ✓Minnesota Housing Start Up Program — below-market mortgages with DPA.
- ✓Minnesota Housing Deferred Payment Loan — up to $12,000 in DPA as a deferred loan.
Statewide Minnesota figures apply broadly across Rochester. County- and city-level variation can be significant — verify against local sources before closing a transaction. [3]
How we compute this — methodology
The Rochester page uses local median home price ($335,380), median rent ($1,657/mo), and property tax rate (1.20%) alongside the calculator's client-side formula. Calculations run in your browser — no inputs are sent to a server.
Known limits: ZIP-level variance within Rochester can be substantial — the figures shown are city-wide medians. For a precise property tax quote, consult your county assessor.
Sources
- Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index), city-level. zillow.com/research/data. Retrieved 2026-04-19.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income and population. census.gov/programs-surveys/acs.
- CalcFi state financial context — tips + first-time homebuyer programs compiled from each state's Housing Finance Authority (HFA) public pages. See
src/data/state-financial-context.ts. - Tax Foundation — state property tax effective rates and state/local sales tax rates. taxfoundation.org.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rate averages used by mortgage-related calculators. freddiemac.com/pmms.
- Internal Revenue Service — federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
- State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
- Social Security Administration — OASDI / Medicare benefit + contribution rules — www.ssa.gov. Retrieved 2026-04-19.
- BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
- NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
- Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
- U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
- FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
Spot an error? Email [email protected] with the URL and the correct figure.
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National reference: Capital Gains Tax Calculator