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Crypto & tax · ND

North Dakota Crypto Tax Calculator

Estimate your 2026 federal and North Dakota state tax on crypto capital gains, with FIFO, LIFO, or HIFO cost basis.

Cost-basis method — changes which lots are sold
Transactions4
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$
$
$
$
Estimated tax owedFIFO
$2,075
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
ND state tax$214
total gains
$11,000
estimated tax
$2,075
effective rate
18.9%

A $10,000 crypto gain realized in North Dakota attracts about $195 in North Dakota tax — a marginal rate of 1.95% — for someone otherwise earning the state median of $88,080. Federal capital-gains tax applies on top.

North Dakota taxes capital gains as ordinary income, so the gain stacks on your other income and is taxed at the rate that band falls in. Figures use 2025 North Dakota rules and 2026 federal rules, single filer. Holding period decides the federal rate.

Crypto capital-gains tax in North Dakota

North Dakota has one of the lowest income taxes of any state that levies one: a 0% bracket covers roughly the first $48,000 of taxable income for single filers in 2025, with just two rates above it — 1.95% and a top rate of 2.5%. The state starts from federal taxable income, so the federal standard deduction applies.

Capital gains and crypto count as ordinary income in North Dakota, but 40% of net long-term gains are excluded from taxation, so long-held assets are taxed more lightly than this estimate shows.

Common questions

How are crypto gains taxed in North Dakota?
As ordinary income: this estimate stacks the gain on your other income and runs it through the same schedule as wages — 1.95% to 2.5%, above North Dakota's $48,475 exempt band. Any North Dakota exclusion or cap on long-term gains is not applied here.
How much North Dakota tax would a $10,000 crypto gain cost?
About $195 of North Dakota tax, on top of federal capital-gains tax. That is the gain stacked on North Dakota's $88,080 median household income (2024), where it lands in the 1.95% band.
What North Dakota rate applies to my gain?
Whichever band the gain lands in once it is added to your other income — North Dakota's 2025 schedule runs 1.95% to 2.5%, with the top rate starting at $244,825 of taxable income. A large sale can therefore push part of the gain into a higher band than your wages sit in.

How we calculate this

Federal lot-matching per our crypto-tax methodology, plus North Dakota's 2025 state treatment of capital gains (2026 state tables pending). Estimates only — not tax advice.

Tax Foundation: 2025 state income tax rates →North Dakota Office of State Tax Commissioner →

More on North Dakota tax

Everyday moneyWhat lands in a North Dakota paycheckThe same salary split across real pay periods, after federal tax, FICA and North Dakota withholding.Everyday moneyNorth Dakota tax brackets and what you oweThe full North Dakota schedule — every bracket, the top rate and the deductions applied before them.
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Estimates for general informational purposes only; not tax advice. Crypto tax rules are complex and North Dakota state treatment is simplified here — verify with the state Department of Revenue and a tax professional. North Dakota's two-rate 1.95%–2.5% schedule is applied with the $15,750 standard deduction for a single filer — not itemized deductions or any North Dakota tax credit. It also excludes any local, county, or school-district tax your municipality may add.