Is $120,000 a good salary in Montana?
$120,000 in Montana is an above-median household income - the 71st percentile of Montana households in the Census ACS 2024 distribution (66th nationally). A single filer keeps about $86,578 after federal, Montana state, and FICA taxes - roughly $7,215/mo at a 28% effective rate. Statewide median rent takes 11% of gross, inside the affordable band.
Estimate only - not financial advice. Methodology and sources.
Census ACS 2024 1-year data (tables B19080, B19013), verified . Reviewed by kgenots, Editor. Methodology
Montana household income distribution (ACS 2024)
Montana's own published cut-points - where $120,000 sits is highlighted. These are the actual Census quintile thresholds for Montana, not the national distribution rescaled.
| Percentile | Band | Household income |
|---|---|---|
| 20th percentile | Bottom 20% | $33,566✓ passed |
| 40th percentile | Lower-middle | $60,619✓ passed |
| 50th percentile (median) | Median household | $75,340✓ passed |
| 60th percentile | Upper-middle | $92,981✓ passed |
| 80th percentile | Top 20% starts | $142,504 |
| 95th percentile (top 5%) | Top 5% starts | $250,001 |
$120,000 clears the 60th percentile threshold in Montana - placing it at the 71st percentile of state households.
Take-home pay on $120,000 in Montana
| Gross income | $120,000 |
| Federal income tax | −$18,047 |
| Montana state income tax | −$6,195 |
| Social Security (6.2%) | −$7,440 |
| Medicare (1.45%) | −$1,740 |
| Take-home (net) | $86,578 |
That's about $7,215/month net, an effective tax rate of 27.9%.
Single filer, 2025 federal brackets + standard deduction. State tax uses Montana's top/flat marginal rate, so in progressive-bracket states (e.g. California, New York) the state line is an upper bound and your actual net is likely a little higher. Married-filing-jointly and pre-tax 401(k)/health deductions also change the result. Estimate only - Montana take-home detail →
Occupations near $120,000 (single earner)
BLS national median wages within ±15% of $120,000 - gives texture for which careers and seniorities land at this income level.
| Occupation | Stage | National wage |
|---|---|---|
| Registered nurse | senior | $121,000 |
| Pharmacist | entry-level | $113,000 |
| Data scientist | mid-career | $108,020 |
| Accountant | senior | $132,000 |
| Civil engineer | senior | $133,000 |
| Plumber | senior | $107,000 |
Source: BLS Occupational Employment and Wage Statistics (OEWS), May 2024. National medians; metro/state variance can be ±30%. Career stage estimates: entry ≈ 25th pct, senior ≈ 75th pct of the same SOC code.
Lifestyle context - rent burden in Montana
At $120,000 gross, statewide median rent eats 11% of income - inside the affordable band. Metro areas (LA, SF, NYC, Boston, Seattle) typically run 30-50% above the statewide median.
Home affordability at $120,000
Using the 28% rule on a 30-year mortgage, $120,000 gross supports a home purchase up to about $323,775. Montana median home value is $359,000 - you can afford 90% of the median home, so buying requires lower-priced markets, a larger down payment, or co-buying.
How $120,000 ranks in neighboring states
State-adjusted percentile shows the same income placed in Montana's contiguous neighbors. Relevant for relocation, remote-work geography, or border-town decisions.
| State | Median HH | % vs median | Percentile |
|---|---|---|---|
| Montana (current) | $75,340 | +59% | 71st |
| South Dakota | $76,881 | +56% | 72nd |
| Wyoming | $75,532 | +59% | 70th |
| North Dakota | $77,871 | +54% | 70th |
| Idaho | $81,166 | +48% | 69th |
$120,000 ranks similarly in
Other incomes in Montana
Common questions
- Is $120,000 a good household income in Montana?
- It sits at roughly the 71st percentile of Montana households in the state's own Census ACS 2024 income distribution (Montana median $75,340). Nationally that's about the 66th percentile. Whether "good" depends on household size, debt, and metro cost of living - state figures smooth over big within-state variation.
- How does $120,000 compare to the Montana median?
- It's 59% above the Montana median household income of $75,340 (Census ACS 2024, table B19013). Half of Montana households earn less than $75,340, half earn more.
- How exact is the 71st percentile figure for $120,000?
- It is interpolated, not read off a published table. The Census publishes Montana household income only at quintile cut-points, and $120,000 falls between the 60th-percentile cut-point ($92,981) and the 80th-percentile cut-point ($142,504). We interpolate linearly between those two published points, so the figure is accurate to a few percentile points, not to the decimal.
- What is the highest income Montana's data can rank?
- Montana's published 95th-percentile cut-point is $250,001, below the $250,001 level at which the Census top-codes this measure. That means percentile positions in Montana stay meaningful across the full range shown here, unlike in higher-income states where the top bracket is censored.
Full data sources and formulas: /sources.
Source and methodology
Data source. Montana household income distribution comes from the U.S. Census Bureau, American Community Survey 2024 1-year estimates: table B19080 (quintile upper limits) and table B19013 (median household income), retrieved via the Census Reporter API on 2026-07-11.
How the percentile is derived. The Census publishes Montana only at the cut-points shown in the table above. We interpolate linearly between the two published points that bracket $120,000 ($92,981 and $142,504). We do not rescale one national curve by a state median, which is what most percentile calculators do.
Limitations. Interpolated positions are accurate to a few percentile points, not to the decimal. Montana's 95th-percentile cut-point is $250,001, below the $250,001 top-code ceiling, so ranks stay meaningful across the range shown. State-level figures also smooth over large metro-to-rural variation within Montana.
US household income percentile calculator → Income percentile by state (all 50) → Full methodology →
Estimate only - not financial advice. Percentiles are interpolated from US Census Bureau ACS household income distribution tables and describe where an income falls nationally - they are not a judgment of what you should earn or financial advice. Cost of living varies widely by state and metro.
Reviewed by kgenots, Editor · editorial policy