Montana vs Texas Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $2,877 more a year in Texas than in Montana ($240 a month).
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 ›Texas
No state income tax on wages
$61,592
take-home on $75,000 · $5,133/month
1st of 51 states for take-home pay
Texas paycheck calculator ›Take-home pay in Montana and Texas by salary
| Salary | Montana | Texas | Difference |
|---|---|---|---|
| $40,000 | $33,197 | $34,320 | $1,123 more in Texas |
| $50,000 | $40,762 | $42,355 | $1,593 more in Texas |
| $60,000 | $48,327 | $50,390 | $2,063 more in Texas |
| $75,000 | $58,715 | $61,592 | $2,877 more in Texas |
| $100,000 | $74,891 | $79,180 | $4,289 more in Texas |
| $125,000 | $91,001 | $96,703 | $5,702 more in Texas |
| $150,000 | $106,677 | $113,791 | $7,114 more in Texas |
| $200,000 | $138,988 | $148,927 | $9,939 more in Texas |
Single filer, standard deduction, no local tax. To match $75,000 in Montana you would need about $70,900 in Texas; to match $75,000 in Texas you would need about $79,450 in Montana.
How Montana and Texas tax wages
| 2026 | Montana | Texas |
|---|---|---|
| Income tax | 2 brackets from 4.7% to 5.65% | no state income tax |
| Top rate | 5.65% | 0% |
| Standard deduction | Federal ($16,100 single) | Not applicable |
| State tax on $75k | $2,877 (3.8%) | $0 (0.0%) |
| Local wage taxes | No | No |
| Reciprocity | None | None |
| 2026 change | Montana cut its top rate from 5.9% to 5.65% for 2026 and widened the 4.7% bracket. | No rate change |
Montana vs Texas: FAQ
Does Montana or Texas have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $2,877 more a year in Texas than in Montana ($240 a month). 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. Texas has no state income tax.
What salary in Texas equals $75,000 in Montana?
To take home the same $58,715 that $75,000 leaves in Montana, you would need about $70,900 in Texas, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Texas than in Montana?
At $150,000 the gap is $7,114 a year: $106,677 in Montana versus $113,791 in Texas. Progressive brackets make the difference grow faster as income rises.