HSA Tax Benefits in North Dakota (2026)
North Dakota follows federal HSA tax treatment.
State Income Tax
0%–2.5%
HSA Deduction
Yes
Growth Tax-Free
Yes
How North Dakota Treats HSAs
North Dakota conforms to federal HSA tax treatment. Contributions are deductible on your state return, investment growth is tax-free, and qualified medical withdrawals are not subject to state tax.
North Dakota HSA FAQs
Are HSA contributions tax-deductible in North Dakota?
Yes. North Dakota follows federal HSA tax treatment, so contributions are deductible on your state income tax return.
What is the state income tax rate in North Dakota?
North Dakota's state income tax rate is 0%–2.5%.
Is HSA investment growth taxed in North Dakota?
No. North Dakota follows federal treatment — investment growth inside your HSA is not subject to state income tax.
This information is for general guidance only and does not constitute tax advice. State tax laws change frequently. Consult a tax professional for advice specific to your situation.
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