1Montana
Lowest21.7%
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
Tax year 2026 · state vs state
Massachusetts vs Montana Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $653 less state income tax a year in Montana than in Massachusetts, which is about $54 a month. At $150,000 the gap is $166 in favor of Montana.
Massachusetts: up to 9%Montana: up to 5.65%Updated October 10, 2026
Compare Massachusetts 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.
2Massachusetts
22.6%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $3,530
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,938
- Net income (annual)
- $58,063
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💰 Monthly breakdown
Your take-home pay, spread across the year
Montana
Monthly gross$6,250
Monthly tax$1,357
Monthly take-home$4,893
Massachusetts
Monthly gross$6,250
Monthly tax$1,411
Monthly take-home$4,839
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Massachusetts vs Montana: how the two systems differ
| Massachusetts | Montana | |
|---|---|---|
| Wage income tax | Progressive, 2 brackets | Progressive, 2 brackets |
| Top rate | 9% | 5.65% |
| Lowest rate | 5% | 4.7% |
| Deductions and credits (single) | $4,400 personal exemption | $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 | MA state tax | MT state tax | Difference | MA take-home | MT take-home |
|---|---|---|---|---|---|
| $30,000 | $1,280 | $653 | $627 less in Montana | $25,005 | $25,632 |
| $40,000 | $1,780 | $1,123 | $657 less in Montana | $32,540 | $33,197 |
| $50,000 | $2,280 | $1,593 | $687 less in Montana | $40,075 | $40,762 |
| $60,000 | $2,780 | $2,063 | $717 less in Montana | $47,610 | $48,327 |
| $75,000 | $3,530 | $2,877 | $653 less in Montana | $58,063 | $58,716 |
| $100,000 | $4,780 | $4,289 | $491 less in Montana | $74,400 | $74,891 |
| $150,000 | $7,280 | $7,114 | $166 less in Montana | $106,511 | $106,677 |
| $250,000 | $12,280 | $12,764 | $484 less in Massachusetts | $170,902 | $170,418 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | MA state tax | MT state tax | Difference | MA take-home | MT take-home |
|---|---|---|---|---|---|
| $75,000 | $3,310 | $2,012 | $1,298 less in Montana | $61,313 | $62,611 |
| $100,000 | $4,560 | $3,187 | $1,373 less in Montana | $80,150 | $81,523 |
| $150,000 | $7,060 | $5,753 | $1,307 less in Montana | $116,125 | $117,432 |
| $250,000 | $12,060 | $11,403 | $657 less in Montana | $185,408 | $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, Montana is the lower-tax state up to roughly $177,500 of income, and Massachusetts becomes the lower-tax state above that.
Rates side by side
Massachusetts (single filers)
| 5% | Up to $1,083,150 |
| 9% | Over $1,083,150 |
Montana (single filers)
| 4.7% | Up to $47,500 |
| 5.65% | Over $47,500 |
- Massachusetts: The 9% rate is the 4% “millionaires tax” surtax on income above the threshold, added to the 5% base rate.
Full details for each state: Massachusetts income tax calculator and Montana income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Massachusetts vs Montana FAQ
Which has lower income tax, Massachusetts or Montana?+
Montana is lower at $75,000: $2,877 of state income tax versus $3,530 in Massachusetts. At $150,000 it is $7,280 in Massachusetts and $7,114 in Montana. For a single filer, Montana is the lower-tax state up to roughly $177,500 of income, and Massachusetts becomes the lower-tax state above that.
How much more do I keep on $100,000 in Massachusetts versus Montana?+
A single filer keeping $74,400 a year in Massachusetts would keep $74,891 in Montana after federal, state and payroll tax. The difference is $491 a year, or $41 a month.
How do the Massachusetts and Montana income tax systems differ?+
Massachusetts uses progressive rates up to 9%; 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 Massachusetts 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 Massachusetts 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.