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Retire in Montana: 2026 Tax & Cost of Living Guide

No sales tax and a favorable 4.1% flat capital gains rate. Social Security and pensions partially taxed above moderate income thresholds.

State income tax

Progressive — top rate 5.90%

Social Security

Taxed

Estate tax

None

Property tax

0.74%

How Montana Taxes Retirement Income

Social Security
Exempt for AGI under $25K single / $32K joint; phased-partial taxation above
Public pensions (state/federal)
Taxed
Private pensions
Taxed
401(k) / IRA withdrawals
Taxed

Exemption / exclusion

Data not yet verified for this state. Consult a state tax professional.

What Would You Pay in State Income Tax?

Rough estimates at the top marginal rate (actual effective rate will be lower for most retirees due to brackets, exemptions, and standard deduction):

Annual Retirement IncomeEstimated State TaxEffective Rate
$50,000$2,9505.9%
$100,000$5,9005.9%
$200,000$11,8005.9%

Capital Gains in Montana

Long-term capital gains at a flat 4.1% (lower than top 5.9% on ordinary income)

We don't have detailed cost-of-living data for a city in Montana yet. See our city guides for 300+ other cities worldwide, or compare Montana against other US states below.

States With No Income Tax

Alaska

Florida

Nevada

New Hampshire

South Dakota

Tennessee

Compare Against Other States

All 50 US States + DC

Ranked by tax-friendliness for retirees. Grouped by income-tax type.

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Retirement Methodology Calculators

How much do the big names actually say you need? See each guru's assumed return and withdrawal rate, side by side with academic defaults.

Dave Ramsey

12% / 8%

Bill Bengen

4% rule

Bogleheads

7% / 4%

FIRE Calculator

See how much you need to retire — in Montana or anywhere else.

Safe Withdrawal Rate

Model your retirement paycheck with real historical data.

Tax rates and programs are subject to change. Data is current for 2024–2025. Always consult a qualified tax professional before making relocation decisions.