Live in Minnesota, Work in Florida: Which State Taxes Your Paycheck?
Answer
Minnesota gets all of it. Because Florida does not tax wage income, no Florida withholding exists and no Florida return is required — but Minnesota taxes residents on worldwide income, so every dollar earned in Florida still belongs on your Minnesota resident return.
Last verified
Crossing into a state with no income tax does not lower your tax bill, because your home state is not taxing you on where you work — it is taxing you on where you live. Minnesota reaches all of a resident's income, and Florida adds nothing on top.
What you file
- 1Resident return · Minnesota
File a Minnesota resident return reporting all of your income.
The two states, side by side
| Minnesota | Florida | |
|---|---|---|
| Taxes wages | Yes — graduated | No |
| Reciprocity partners | 2 (Form MWR) | None |
| Convenience rule | No | No |
| Nonresident return | Form M1 with Schedule M1NR | Not applicable |
| Credit for other-state tax | Schedule M1CR | No income tax |
| Nonresident safe harbour | None published | Not applicable |
| Local income tax | No | No |
| Revenue department | Minnesota Department of Revenue | Florida Department of Revenue |
| Last verified |
The other direction
Reversing the commute does not always reverse the answer. Living in Florida and working in Minnesota gives:Work state only.
Same two states, different situation
The withholding answer turns on how you are paid and where the work happens, not only on which two states are involved.
- Remote worker: Minnesota → FloridaHome state only
- 1099 contractor: Minnesota → FloridaHome state only — estimated payments
- Moved mid-year: Minnesota → FloridaOne part-year return — the state you left
Other Minnesota pairs
Questions people actually ask
I live in Minnesota and work in Florida. Which state takes the tax out of my paycheck?
Minnesota gets all of it. Because Florida does not tax wage income, no Florida withholding exists and no Florida return is required — but Minnesota taxes residents on worldwide income, so every dollar earned in Florida still belongs on your Minnesota resident return.
Which state should my employer be withholding for?
Minnesota. Your employer should withhold Minnesota tax rather than Florida tax on these wages. If a Florida line is showing on your pay stub, raise it with payroll now rather than at filing time.
How current is this?
The Minnesota and Florida rules on this page were last checked against Minnesota Department of Revenue and Florida Department of Revenue on 2026-08-07. We re-check the full grid every December after state legislative sessions close, and re-check the convenience-of-the-employer states quarterly because that is where the rules move fastest.
Sources
Every fact above comes from the revenue department that publishes the rule. We do not cite secondary summaries, and we do not restate a figure we could not find at source.
- Minnesota Department of Revenue — individual income taxaccessed 2026-08-07
- Florida Department of Revenue — individual income taxaccessed 2026-08-07