Montana income tax in 2026
Montana has a progressive income tax: higher slices of income are taxed at higher rates. Single filers subtract $16,100 in deductions and exemptions first ($32,200 for married couples).
| Rate | Taxable income (single) | Your tax |
|---|---|---|
| 4.7% | $0 – $47,500 | $2,063 |
| 5.65% | $47,500 and up | — |
What to know about taxes in Montana
Montana has just two income tax brackets since its 2024 reform and uses federal taxable income as its starting point. The state has no general sales tax.
- Tourist areas such as Bozeman and Whitefish can levy local resort taxes.
- Housing prices in western Montana have risen quickly.
Largest cities: Billings, Missoula, Bozeman, Great Falls.
Take-home pay in Montana by salary
What common salaries look like after taxes in Montana for a single filer.
| Salary | Take-home / year | Per month | Bi-weekly | Tax rate |
|---|---|---|---|---|
| $30,000 | $25,632 | $2,136 | $986 | 14.6% |
| $40,000 | $33,197 | $2,766 | $1,277 | 17.0% |
| $50,000 | $40,762 | $3,397 | $1,568 | 18.5% |
| $60,000 | $48,327 | $4,027 | $1,859 | 19.5% |
| $70,000 | $55,481 | $4,623 | $2,134 | 20.7% |
| $80,000 | $61,951 | $5,163 | $2,383 | 22.6% |
| $90,000 | $68,421 | $5,702 | $2,632 | 24.0% |
| $100,000 | $74,891 | $6,241 | $2,880 | 25.1% |
| $120,000 | $87,831 | $7,319 | $3,378 | 26.8% |
| $150,000 | $106,677 | $8,890 | $4,103 | 28.9% |
| $200,000 | $138,988 | $11,582 | $5,346 | 30.5% |
Where your taxes go
- Take-home pay$48,32780.5%
- Federal income tax$5,0208.4%
- Social Security$3,7206.2%
- Medicare$8701.5%
- Montana income tax$2,0633.4%
- Federal income tax ($5,020). Charged on $43,900 of taxable income after the standard deduction, with a top rate of 12% on your last dollar.
- Social Security ($3,720). Withheld at 6.2% on the first $184,500 of wages each year; your employer pays the same amount.
- Medicare ($870). Charged at 1.45% on every dollar you earn, with no wage cap.
- Montana income tax ($2,063). Charged on $43,900 after state deductions, marginal rate 4.7%.
How Montana compares with other states
Montana ranks #26 of 51 for take-home pay on $60,000. The gap between the best state (Florida) and the worst (Oregon) is $4,401 a year.
Top 5, your state and bottom 5. Single filer, no pre-tax contributions.
How a 401(k) changes your paycheck
See how much of your paycheck a 401(k) really costs. Pre-tax contributions reduce federal and state income tax, but not Social Security or Medicare.
| Contribution | Saved per year | Take-home pay | Per month | Income tax saved |
|---|---|---|---|---|
| None | $0 | $48,327 | $4,027 | — |
| 3% | $1,800 | $46,827 | $3,902 | $301 |
| 6% | $3,600 | $45,328 | $3,777 | $601 |
| 10% | $6,000 | $43,329 | $3,611 | $1,002 |
| 15% | $9,000 | $40,830 | $3,402 | $1,503 |
Single vs married filing jointly
Here is the same salary for a single-income married couple filing jointly, compared with a single filer.
| Single | Married, one income | |
|---|---|---|
| Federal income tax | $5,020 | $2,840 |
| State income tax | $2,063 | $1,307 |
| Social Security + Medicare | $4,590 | $4,590 |
| Take-home pay | $48,327 | $51,263 |
Filing jointly would add $2,937 a year ($245 a month) to this household's take-home pay.
What this salary buys you
The 50/30/20 rule splits your monthly take-home pay of $4,027 into three buckets.
- $60,000 is 85% of the median household income in Montana ($70,804).
- With the 30% rule, a comfortable rent is up to $1,500 per month.
- That is 2.7 times the Montana minimum wage of $10.85/hour.
Frequently asked questions
Does Montana have a state income tax?
Yes. Montana income tax rates range from 4.7% – 5.65% in 2026, depending on taxable income.
What is the income tax rate in Montana?
Montana income tax rates range from 4.7% – 5.65% in 2026, depending on taxable income.
How much is $60,000 after tax in Montana?
A single filer earning $60,000 takes home about $48,327 a year, or $4,027 per month.
What is the minimum wage in Montana?
The minimum wage in Montana is about $10.85 per hour.
How is my Montana paycheck calculated?
We subtract federal income tax, Social Security (6.2%), Medicare (1.45%) and Montana income tax from your gross pay.
Figures use 2026 IRS federal brackets, the standard deduction, Social Security and Medicare rates, and each state's income tax rules for a W-2 employee. Read our methodology. Last updated September 25, 2026. Estimates for information only, not tax advice.