1Rhode Island
Lowest20.8%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,196
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,603
- Net income (annual)
- $59,397
Tax year 2026 · state vs state
Montana vs Rhode Island Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $681 less state income tax a year in Rhode Island than in Montana, which is about $57 a month. At $150,000 the gap is $1,591 in favor of Rhode Island.
Montana: up to 5.65%Rhode Island: up to 5.99%Updated October 10, 2026
Compare Montana and Rhode Island 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
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💰 Monthly breakdown
Your take-home pay, spread across the year
Rhode Island
Monthly gross$6,250
Monthly tax$1,300
Monthly take-home$4,950
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.
Montana vs Rhode Island: how the two systems differ
| Montana | Rhode Island | |
|---|---|---|
| Wage income tax | Progressive, 2 brackets | Progressive, 3 brackets |
| Top rate | 5.65% | 5.99% |
| Lowest rate | 4.7% | 3.75% |
| Deductions and credits (single) | $16,100 standard deduction | $11,200 standard deduction, $5,250 personal exemption |
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 | MT state tax | RI state tax | Difference | MT take-home | RI take-home |
|---|---|---|---|---|---|
| $30,000 | $653 | $508 | $145 less in Rhode Island | $25,632 | $25,777 |
| $40,000 | $1,123 | $883 | $240 less in Rhode Island | $33,197 | $33,437 |
| $50,000 | $1,593 | $1,258 | $335 less in Rhode Island | $40,762 | $41,097 |
| $60,000 | $2,063 | $1,633 | $430 less in Rhode Island | $48,327 | $48,757 |
| $75,000 | $2,877 | $2,196 | $681 less in Rhode Island | $58,716 | $59,397 |
| $100,000 | $4,289 | $3,148 | $1,141 less in Rhode Island | $74,891 | $76,032 |
| $150,000 | $7,114 | $5,523 | $1,591 less in Rhode Island | $106,677 | $108,268 |
| $250,000 | $12,764 | $10,857 | $1,907 less in Rhode Island | $170,418 | $172,325 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | MT state tax | RI state tax | Difference | MT take-home | RI take-home |
|---|---|---|---|---|---|
| $75,000 | $2,012 | $1,579 | $433 less in Rhode Island | $62,611 | $63,044 |
| $100,000 | $3,187 | $2,516 | $670 less in Rhode Island | $81,523 | $82,194 |
| $150,000 | $5,753 | $4,742 | $1,011 less in Rhode Island | $117,432 | $118,443 |
| $250,000 | $11,403 | $9,872 | $1,531 less in Rhode Island | $186,065 | $187,596 |
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 and Rhode Island charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Rhode Island is the lower-tax state. The order flips again near $812,500, so the better state depends on where your income falls.
Rates side by side
Montana (single filers)
| 4.7% | Up to $47,500 |
| 5.65% | Over $47,500 |
Rhode Island (single filers)
| 3.75% | Up to $82,050 |
| 4.75% | $82,051 to $186,450 |
| 5.99% | Over $186,450 |
- Rhode Island: Rhode Island also charges a temporary disability insurance payroll tax that is not included here.
Full details for each state: Montana income tax calculator and Rhode Island income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Montana vs Rhode Island FAQ
Which has lower income tax, Montana or Rhode Island?+
Rhode Island is lower at $75,000: $2,196 of state income tax versus $2,877 in Montana. At $150,000 it is $7,114 in Montana and $5,523 in Rhode Island. For a single filer, Montana and Rhode Island charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Rhode Island is the lower-tax state. The order flips again near $812,500, so the better state depends on where your income falls.
How much more do I keep on $100,000 in Montana versus Rhode Island?+
A single filer keeping $74,891 a year in Montana would keep $76,032 in Rhode Island after federal, state and payroll tax. The difference is $1,141 a year, or $95 a month.
How do the Montana and Rhode Island income tax systems differ?+
Montana uses progressive rates up to 5.65%; Rhode Island uses progressive rates up to 5.99%. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Montana vs Rhode Island 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 Montana to Rhode Island 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.