1Florida
Lowest17.9%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $0
- Payroll tax (FICA)
- $5,738
- Total tax
- $13,408
- Net income (annual)
- $61,593
Tax year 2026 · state vs state
Florida vs Montana Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $2,877 less state income tax a year in Florida than in Montana, which is about $240 a month. At $150,000 the gap is $7,114 in favor of Florida.
Florida: no state taxMontana: up to 5.65%Updated October 10, 2026
Compare Florida and Montana for your income
Estimate for education only, not tax advice. 2026 federal and state rules, standard deductions, no local taxes. How we calculate.
State comparison
Comparing 2 states, sorted by lowest overall tax rate.
2Montana
21.7%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,877
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,284
- Net income (annual)
- $58,716
Advanced analysis (optional)
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💰 Monthly breakdown
Your take-home pay, spread across the year
Florida
Monthly gross$6,250
Monthly tax$1,117
Monthly take-home$5,133
Montana
Monthly gross$6,250
Monthly tax$1,357
Monthly take-home$4,893
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Florida vs Montana: how the two systems differ
| Florida | Montana | |
|---|---|---|
| Wage income tax | No tax on wages | Progressive, 2 brackets |
| Top rate | 0% | 5.65% |
| Lowest rate | 0% | 4.7% |
| Deductions and credits (single) | Not applicable | $16,100 standard deduction |
State income tax and take-home pay at every salary
The same salary can leave you with different take-home pay depending on the state. This table applies each state’s 2026 rules to a single filer with no pre-tax contributions.
| Income | FL state tax | MT state tax | Difference | FL take-home | MT take-home |
|---|---|---|---|---|---|
| $30,000 | $0 | $653 | $653 less in Florida | $26,285 | $25,632 |
| $40,000 | $0 | $1,123 | $1,123 less in Florida | $34,320 | $33,197 |
| $50,000 | $0 | $1,593 | $1,593 less in Florida | $42,355 | $40,762 |
| $60,000 | $0 | $2,063 | $2,063 less in Florida | $50,390 | $48,327 |
| $75,000 | $0 | $2,877 | $2,877 less in Florida | $61,593 | $58,716 |
| $100,000 | $0 | $4,289 | $4,289 less in Florida | $79,180 | $74,891 |
| $150,000 | $0 | $7,114 | $7,114 less in Florida | $113,791 | $106,677 |
| $250,000 | $0 | $12,764 | $12,764 less in Florida | $183,182 | $170,418 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | FL state tax | MT state tax | Difference | FL take-home | MT take-home |
|---|---|---|---|---|---|
| $75,000 | $0 | $2,012 | $2,012 less in Florida | $64,623 | $62,611 |
| $100,000 | $0 | $3,187 | $3,187 less in Florida | $84,710 | $81,523 |
| $150,000 | $0 | $5,753 | $5,753 less in Florida | $123,185 | $117,432 |
| $250,000 | $0 | $11,403 | $11,403 less in Florida | $197,468 | $186,065 |
Married filing jointly, 2026, federal standard deduction. Uses each state's joint brackets where they differ.
Does the lower-tax state change as income rises?
For a single filer, Florida and Montana charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Florida is the lower-tax state.
Rates side by side
Florida (single filers)
Florida has no state personal income tax. State revenue comes mainly from sales tax and tourism-related taxes.
Montana (single filers)
| 4.7% | Up to $47,500 |
| 5.65% | Over $47,500 |
Full details for each state: Florida income tax calculator and Montana income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Florida vs Montana FAQ
Which has lower income tax, Florida or Montana?+
Florida is lower at $75,000: $0 of state income tax versus $2,877 in Montana. At $150,000 it is $0 in Florida and $7,114 in Montana. For a single filer, Florida and Montana charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Florida is the lower-tax state.
How much more do I keep on $100,000 in Florida versus Montana?+
A single filer keeping $79,180 a year in Florida would keep $74,891 in Montana after federal, state and payroll tax. The difference is $4,289 a year, or $357 a month.
How do the Florida and Montana income tax systems differ?+
Florida has no tax on wages; Montana uses progressive rates up to 5.65%. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Florida vs Montana comparison?+
No. It covers federal income tax, Social Security, Medicare and state income tax only. City, county, sales and property taxes are not included, and they can change the real cost of living in each state.
Should I move from Florida to Montana to save on taxes?+
State income tax is one cost among many. Property and sales taxes, housing, insurance and wages also differ, and you may owe tax to both states in the year you move. Use this comparison as one input and confirm details with a tax professional.
Sources
- Tax Foundation: 2026 state individual income tax rates and brackets
- IRS: Tax inflation adjustments for tax year 2026
Last checked October 10, 2026. Confirm with your state tax agency before filing.
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Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.