Montana vs Texas Paycheck Comparison 2026
Annual salary
Annual salary
Additional options (filing status, deductions)
$2,877 /yr more take-home in Texas
$240/mo · $111 a paycheck.
Montana
Texas
$58,716/yr in Montana vs $61,593/yr in Texas.
Montana
Take-home per paycheck
$2,258.30
$58,716/yr · 26x/yr
Tax rates
Texas
Take-home per paycheck
$2,368.94
$61,593/yr · 26x/yr
Tax rates
What this paycheck affords in Montana vs Texas
Sized off $4,893/mo take-home in Montana and $5,133/mo in Texas. Every figure below is a spending rule of thumb, not a tax rule.
Purchasing power
$55,258 is what Montana take-home is worth at Texas prices
Against $61,593 actually paid in Texas, leaving Texas $6,335/yr ahead once cost of living is taken off.
Rent
$210 /mo more for a two-bedroom in Montana
$1,322/mo in Montana, $1,112/mo in Texas.
The average two-bedroom takes 27% of take-home in Montana and 22% in Texas — inside the comfortable range in both.
Buying a home
$115,000 more for the median home in Montana
$410,000 in Montana, $295,000 in Texas.
The median home is 1.4× what this salary supports in Montana and 1.2× in Texas. Lenders size a mortgage off gross pay, so the budgets start from $75,000 at a 28% debt-to-income ratio, 6.75% over 30 years, each with its own state property tax rate.
What's left each month
$507 /mo more left over in Texas
Montana has $1,188/mo spare; Texas has $1,695/mo spare.
Both paychecks cover the local average for everything. Splitting rent with one roommate would free up $661/mo in Montana and $556/mo in Texas.
Monthly cost by expense class
Every class on one scale, so housing's share of the month stays visible. Housing is the measured average two-bedroom; the rest are BLS Consumer Expenditure Survey averages moved by each state's cost-of-living index.
Other costs
| Cost | Montana | Texas |
|---|---|---|
| Regular gas | $3.19/gal | $3.21/gal |
| Electricity | $96/mo | $87/mo |
| Infant childcare | $1,065/mo | $892/mo |
Childcare sits outside the budget above because it applies to some households and not others — on its own it is 22% of take-home in Montana and 17% in Texas.
Sources: MERIC/C2ER Cost of Living Index (2025), AAA Fuel Gauge Report (2025), EIA State Electricity Profiles (2024), Child Care Aware of America (2024), Zillow Home Value Index (2025), BEA Regional Price Parities (2024)
Estimate based on 2026 tax rates and standard deductions. Does not include local taxes, itemized deductions, tax credits, or other individual circumstances.
Tax system comparison
Montana: Montana uses a progressive income tax with 2 brackets ranging from 4.70% to 5.65%.
Texas: Texas has no state income tax. Residents pay only federal income tax, Social Security, and Medicare.
Take-home pay at different salaries (single filer, 2026)
| Salary | Montana take-home | Texas take-home | Difference |
|---|---|---|---|
| $50,000 | $40,762 | $42,355 | -$1,593 |
| $75,000 | $58,716 | $61,593 | -$2,877 |
| $100,000 | $74,891 | $79,180 | -$4,289 |
| $150,000 | $106,677 | $113,791 | -$7,114 |
| $200,000 | $138,988 | $148,927 | -$9,939 |
| $300,000 | $199,588 | $215,177 | -$15,589 |
Positive values mean higher take-home in Montana. Assumes single filer, no deductions.
FAQ
Which state has lower taxes, Montana or Texas?
At a $100,000 salary, Texas results in $4,289 more annual take-home pay. Montana uses a progressive income tax with 2 brackets ranging from 4.70% to 5.65%. Texas has no state income tax. Residents pay only federal income tax, Social Security, and Medicare.
How much more do you take home in Texas vs the other state?
The difference depends on salary. At $50,000, the gap is $1,593/yr. At $150,000, it grows to $7,114/yr. At $300,000, the difference is $15,589/yr.
Do Montana and Texas have the same federal taxes?
Yes. Federal income tax, Social Security, and Medicare are the same in every state. Only state income tax differs. This calculator shows the combined effect of federal and state taxes on your take-home pay.
Is it cheaper to live in Montana or Texas?
Montana is cheaper to live in. Cost of living in Montana and Texas is about the same. Montana's Regional Price Parity is 97.2 and Texas's is 97.5 (US average = 100).
Is Montana cheaper than Texas?
Yes. Montana has a lower cost of living than Texas (index 97.2 vs 97.5). Housing is typically the biggest difference between the two states.
Is Texas more expensive than Montana?
Yes. Texas has a higher cost of living (index 97.5) compared to Montana (index 97.2). The national average is 100. Housing costs are typically the largest driver of the difference.
After cost of living, which state is actually cheaper?
At a $100,000 salary, take-home pay of $74,891 in Montana has the purchasing power of $74,660 in Texas terms. Conversely, $79,180 in Texas equals $79,424 in Montana terms. After adjusting for both taxes and cost of living, Texas comes out ahead.
Montana vs Texas cost of living — what's the difference?
The overall cost of living is 0% different between Montana and Texas. Living costs are about 3% below the national average Living costs are about 3% below the national average After taxes and cost of living, Texas gives you more purchasing power on a $100,000 salary.
Do I need to file state tax returns in both Montana and Texas?
Montana requires residents to file a state income tax return annually, typically due April 15. Texas has no state income tax, so residents do not file a state tax return. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there. Each state has its own tax return form — check your state's department of revenue website for the correct form and e-filing options.
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Montana Paycheck Estimator · Texas Paycheck Estimator · All states