How Much Is Montana State Income Tax in 2026? 4.7%–5.65%

Quick Answer: Montana Income Tax at a Glance

Montana simplified to two brackets and cut its top rate to 5.65% for 2026 (from 5.9%), with a lower rate promised for 2027. There's no sales tax to make up for it. Estimate your 2026 take-home pay after federal tax, FICA, and Montana tax below.

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How Montana taxes your income in 2026

Montana consolidated its seven old brackets into two in 2024, and HB 337 cut the top rate to 5.65% for 2026 with a drop to 5.4% scheduled for 2027. Single filers pay 4.7% on taxable income up to $21,600 and 5.65% above it ($43,200 for joint filers). Montana starts from your federal taxable income, so the federal standard deduction is already reflected — there is no separate Montana deduction to subtract again.

Income tax, yes — sales tax, no

Montana is one of five states with no general sales tax, which partially offsets its above-average income tax. Montana does tax Social Security benefits to the same extent they're taxed federally — one of the few states that still does — and it taxes long-term capital gains under a separate, lower rate schedule than wages. There are no local income taxes; property taxes fund most local government.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Montana income tax using the 2026 two-bracket schedule computed on federal taxable income. It does not model the separate capital-gains rate table, itemized deductions, or credits. Figures are estimates for planning purposes, not tax advice.

Take-Home Pay by Income Level in Montana

The table below shows estimated annual take-home pay for a single filer with no credits or pre-tax contributions. It includes federal income tax, FICA, and Montana state income tax.

Gross Income	Federal Tax	FICA	MT State Tax	Take-Home Pay
$50,000	$3,820	$3,825	$1,710	$40,645
$75,000	$7,670	$5,738	$3,123	$58,470
$100,000	$13,170	$7,650	$4,535	$74,645
$150,000	$24,734	$11,475	$7,360	$106,431
$200,000	$36,734	$14,339	$10,185	$138,742

Estimated Tax Breakdown

Take-home $74,645

Federal

$13,170 13.2%

State

$4,535 4.5%

FICA

$7,650 7.6%

Net Pay

$74,645 74.6%

Frequently Asked Questions

What is the Montana income tax rate in 2026?

Two brackets: 4.7% on taxable income up to $21,600 (single) and 5.65% above it. The top rate was 5.9% in 2025 and is scheduled to fall to 5.4% in 2027.

Does Montana have local income taxes or sales tax?

Neither. Montana has no local income taxes and no general sales tax — one of only five states without one. Property taxes carry most of the local load.

Does Montana tax Social Security benefits?

Yes. Montana is one of the few states that still tax Social Security benefits, following the federal treatment. If your benefits are taxable federally, they're taxable in Montana.

How much is $75,000 after taxes in Montana?

A single filer earning $75,000 pays roughly $3,123 in Montana income tax and takes home about $58,470 per year after federal tax, FICA, and state tax, based on this calculator's 2026 estimates. See the example table above for details.

Why does this calculator use federal taxable income for Montana?

Montana's tax law uses federal taxable income as its starting point, so the federal standard deduction is already accounted for before the 4.7%/5.65% rates apply — just like a real Montana return.