1Texas
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
Montana vs Texas Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $2,877 less state income tax a year in Texas than in Montana, which is about $240 a month. At $150,000 the gap is $7,114 in favor of Texas.
Montana: up to 5.65%Texas: no state taxUpdated October 10, 2026
Compare Montana and Texas 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
Texas
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.
Montana vs Texas: how the two systems differ
| Montana | Texas | |
|---|---|---|
| Wage income tax | Progressive, 2 brackets | No tax on wages |
| Top rate | 5.65% | 0% |
| Lowest rate | 4.7% | 0% |
| Deductions and credits (single) | $16,100 standard deduction | Not applicable |
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 | TX state tax | Difference | MT take-home | TX take-home |
|---|---|---|---|---|---|
| $30,000 | $653 | $0 | $653 less in Texas | $25,632 | $26,285 |
| $40,000 | $1,123 | $0 | $1,123 less in Texas | $33,197 | $34,320 |
| $50,000 | $1,593 | $0 | $1,593 less in Texas | $40,762 | $42,355 |
| $60,000 | $2,063 | $0 | $2,063 less in Texas | $48,327 | $50,390 |
| $75,000 | $2,877 | $0 | $2,877 less in Texas | $58,716 | $61,593 |
| $100,000 | $4,289 | $0 | $4,289 less in Texas | $74,891 | $79,180 |
| $150,000 | $7,114 | $0 | $7,114 less in Texas | $106,677 | $113,791 |
| $250,000 | $12,764 | $0 | $12,764 less in Texas | $170,418 | $183,182 |
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 | TX state tax | Difference | MT take-home | TX take-home |
|---|---|---|---|---|---|
| $75,000 | $2,012 | $0 | $2,012 less in Texas | $62,611 | $64,623 |
| $100,000 | $3,187 | $0 | $3,187 less in Texas | $81,523 | $84,710 |
| $150,000 | $5,753 | $0 | $5,753 less in Texas | $117,432 | $123,185 |
| $250,000 | $11,403 | $0 | $11,403 less in Texas | $186,065 | $197,468 |
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 Texas charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Texas is the lower-tax state.
Rates side by side
Montana (single filers)
| 4.7% | Up to $47,500 |
| 5.65% | Over $47,500 |
Texas (single filers)
Texas has no state personal income tax. Its constitution restricts one. State revenue comes mainly from sales tax and property taxes set locally.
Full details for each state: Montana income tax calculator and Texas income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Montana vs Texas FAQ
Which has lower income tax, Montana or Texas?+
Texas is lower at $75,000: $0 of state income tax versus $2,877 in Montana. At $150,000 it is $7,114 in Montana and $0 in Texas. For a single filer, Montana and Texas charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Texas is the lower-tax state.
How much more do I keep on $100,000 in Montana versus Texas?+
A single filer keeping $74,891 a year in Montana would keep $79,180 in Texas after federal, state and payroll tax. The difference is $4,289 a year, or $357 a month.
How do the Montana and Texas income tax systems differ?+
Montana uses progressive rates up to 5.65%; Texas has no tax on wages. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Montana vs Texas 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 Texas 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.