Montana vs Wyoming Paycheck Comparison 2026
Annual salary
Annual salary
Additional options (filing status, deductions)
$2,877 /yr more take-home in Wyoming
$240/mo · $111 a paycheck.
Montana
Wyoming
$58,716/yr in Montana vs $61,593/yr in Wyoming.
Montana
Take-home per paycheck
$2,258.30
$58,716/yr · 26x/yr
Tax rates
Wyoming
Take-home per paycheck
$2,368.94
$61,593/yr · 26x/yr
Tax rates
What this paycheck affords in Montana vs Wyoming
Sized off $4,893/mo take-home in Montana and $5,133/mo in Wyoming. Every figure below is a spending rule of thumb, not a tax rule.
Purchasing power
$57,381 is what Montana take-home is worth at Wyoming prices
Against $61,593 actually paid in Wyoming, leaving Wyoming $4,212/yr ahead once cost of living is taken off.
Rent
$103 /mo more for a two-bedroom in Montana
$1,322/mo in Montana, $1,219/mo in Wyoming.
The average two-bedroom takes 27% of take-home in Montana and 24% in Wyoming — inside the comfortable range in both.
Buying a home
$105,000 more for the median home in Montana
$410,000 in Montana, $305,000 in Wyoming.
The median home is 1.4× what this salary supports in Montana and 1.0× in Wyoming. 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
$387 /mo more left over in Wyoming
Montana has $1,188/mo spare; Wyoming has $1,575/mo spare.
Both paychecks cover the local average for everything. Splitting rent with one roommate would free up $661/mo in Montana and $610/mo in Wyoming.
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 | Wyoming |
|---|---|---|
| Regular gas | $3.19/gal | $3.20/gal |
| Electricity | $96/mo | $81/mo |
| Infant childcare | $1,065/mo | $777/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 15% in Wyoming.
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%.
Wyoming: Wyoming 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 | Wyoming 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 Wyoming?
At a $100,000 salary, Wyoming 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%. Wyoming has no state income tax. Residents pay only federal income tax, Social Security, and Medicare.
How much more do you take home in Wyoming 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 Wyoming 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 Wyoming?
Wyoming is cheaper to live in. Cost of living in Montana is 2% higher than in Wyoming. Montana's Regional Price Parity is 97.2 and Wyoming's is 95.6 (US average = 100).
Is Wyoming cheaper than Montana?
Yes. Wyoming has a lower cost of living than Montana (index 95.6 vs 97.2). Housing is typically the biggest difference between the two states.
Is Montana more expensive than Wyoming?
Yes. Montana has a higher cost of living (index 97.2) compared to Wyoming (index 95.6). 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 $76,144 in Wyoming terms. Conversely, $79,180 in Wyoming equals $77,877 in Montana terms. After adjusting for both taxes and cost of living, Wyoming comes out ahead.
Montana vs Wyoming cost of living — what's the difference?
The overall cost of living is 2% different between Montana and Wyoming. Living costs are about 3% below the national average Living costs are about 4% below the national average After taxes and cost of living, Wyoming gives you more purchasing power on a $100,000 salary.
Do I need to file state tax returns in both Montana and Wyoming?
Montana requires residents to file a state income tax return annually, typically due April 15. Wyoming 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.
Related tools
- Montana vs Wyoming Cost of Living — Compare housing, groceries, utilities, and overall expenses
- Montana Cost of Living — Housing, groceries, gas, and overall index
- Wyoming Cost of Living — Housing, groceries, gas, and overall index
- How much house can you afford in Montana?
- How much house can you afford in Wyoming?
- Montana Tax Brackets — See 2026 marginal rates and effective tax rate
- Wyoming Tax Brackets — See 2026 marginal rates and effective tax rate
- Montana Bonus Tax Calculator — See how bonuses are taxed differently
- Wyoming Bonus Tax Calculator — See how bonuses are taxed differently
- Pay Raise Calculator — See how a raise changes your take-home pay
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
- Mortgage Calculator — Estimate monthly payments with local rates
Montana Paycheck Estimator · Wyoming Paycheck Estimator · All states