Arizona vs Montana Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $1,211 more a year in Arizona than in Montana ($101 a month).
Arizona
2.5% flat state income tax
$59,926
take-home on $75,000 · $4,994/month
12th of 51 states for take-home pay
Arizona paycheck calculator ›Montana
4.7% - 5.65% state income tax
$58,715
take-home on $75,000 · $4,893/month
30th of 51 states for take-home pay
Montana paycheck calculator ›Take-home pay in Arizona and Montana by salary
| Salary | Arizona | Montana | Difference |
|---|---|---|---|
| $40,000 | $33,529 | $33,197 | $332 more in Arizona |
| $50,000 | $41,314 | $40,762 | $552 more in Arizona |
| $60,000 | $49,099 | $48,327 | $772 more in Arizona |
| $75,000 | $59,926 | $58,715 | $1,211 more in Arizona |
| $100,000 | $76,889 | $74,891 | $1,998 more in Arizona |
| $125,000 | $93,788 | $91,001 | $2,786 more in Arizona |
| $150,000 | $110,250 | $106,677 | $3,573 more in Arizona |
| $200,000 | $144,136 | $138,988 | $5,148 more in Arizona |
Single filer, standard deduction, no local tax. To match $75,000 in Arizona you would need about $76,850 in Montana; to match $75,000 in Montana you would need about $73,200 in Arizona.
How Arizona and Montana tax wages
| 2026 | Arizona | Montana |
|---|---|---|
| Income tax | a flat 2.5% income tax | 2 brackets from 4.7% to 5.65% |
| Top rate | 2.5% | 5.65% |
| Standard deduction | $8,350 single | Federal ($16,100 single) |
| State tax on $75k | $1,666 (2.2%) | $2,877 (3.8%) |
| Local wage taxes | No | No |
| Reciprocity | None | None |
| 2026 change | No rate change | Montana cut its top rate from 5.9% to 5.65% for 2026 and widened the 4.7% bracket. |
Arizona vs Montana: FAQ
Does Arizona or Montana have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $1,211 more a year in Arizona than in Montana ($101 a month). Arizona has a flat 2.5% income tax for 2026. Montana has 2 brackets from 4.7% to 5.65% for 2026. For single filers the top 5.65% rate starts at $47,500 of taxable income.
What salary in Montana equals $75,000 in Arizona?
To take home the same $59,926 that $75,000 leaves in Arizona, you would need about $76,850 in Montana, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Arizona than in Montana?
At $150,000 the gap is $3,573 a year: $110,250 in Arizona versus $106,677 in Montana. Progressive brackets make the difference grow faster as income rises.
What if I live in Arizona and work in Montana?
Arizona and Montana do not have a reciprocity agreement, so Montana withholds tax on wages earned there and Arizona generally gives residents a credit for tax paid to the other state. You effectively pay the higher of the two rates.