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2026 rate from Montana Department of Revenue.
Progressive. 2026 standard deduction: $16,100 single / $32,200 married.
IRS Rev. Proc. 2025-32
SS 6.2% (wage base $184,500) + Medicare 1.45%.
SSA.gov 2026
| Taxable Income (Single) | Rate | Taxable Income (MFJ) |
|---|---|---|
| $0 – $12,400 | 10% | $0 – $24,800 |
| $12,401 – $50,400 | 12% | $24,801 – $100,800 |
| $50,401 – $105,700 | 22% | $100,801 – $211,400 |
| $105,701 – $201,775 | 24% | $211,401 – $403,550 |
| $201,776 – $256,225 | 32% | $403,551 – $512,450 |
| $256,226 – $643,950 | 35% | $512,451 – $771,750 |
| Over $643,950 | 37% | Over $771,750 |
Source: IRS.gov Revenue Procedure 2025-32 (Official)
2026 standard deductions: $16,100 single · $32,200 married jointly · $24,150 head of household. Child Tax Credit: $2,200 per child (OBBBA permanent).
As a worker in Montana (Big Sky Country), your take-home pay depends on three main deductions: federal income tax, Montana state income tax, and FICA (Social Security and Medicare). Major employers in Montana include businesses in Billings, Missoula, Great Falls, Bozeman.
Montana uses a flat 5.9% income tax rate for all filers in 2026 — the same rate applies regardless of how much you earn. This simple system means no bracket calculations: if your taxable income is $50,000, you pay exactly 5.9% on all of it (after the standard deduction).
The 2026 federal standard deduction is $16,100 for single filers and $32,200 for married filing jointly, which reduces your taxable income before any tax is calculated.
Here is what a typical Montana worker takes home based on the state average salary of $52,000/year (single filer, no dependents, bi-weekly pay):
That works out to approximately $3,487/month or $1,609 per bi-weekly paycheck. The effective total tax rate is approximately 19.5%.
💡 Adding a 401(k) contribution reduces both federal and Montana state taxes. Contributing $500/month to a 401(k) saves approximately $1,320/year in federal tax for a 22% bracket earner.
A flat tax system makes Montana paycheck calculations straightforward and predictable. Whether you earn $30,000 or $200,000, you pay the same 5.9% rate on taxable income. This is simpler than progressive states but means lower earners pay the same rate as higher earners.
| Item | 2026 Value | Notes |
|---|---|---|
| Montana income tax rate | 5.9% | Flat rate, all income |
| Federal standard deduction (single) | $16,100 | IRS Rev. Proc. 2025-32 |
| Federal standard deduction (married) | $32,200 | IRS Rev. Proc. 2025-32 |
| Social Security tax rate | 6.2% | On first $184,500 of wages |
| Medicare tax rate | 1.45% | No income cap |
| Child Tax Credit 2026 | $2,200/child | OBBBA permanent provision |
| 401(k) contribution limit | $24,500 | Pre-tax, reduces taxable income |
| Montana minimum wage | $10.55/hour | $21,944/year full-time |
Sources: IRS Revenue Procedure 2025-32, Montana Department of Revenue, U.S. Bureau of Labor Statistics 2025
See how Montana take-home pay compares to neighboring states: