Montana Capital Gains Tax Calculator
Calculate your 2026 capital gains tax in Montana. Montana taxes capital gains at rates up to 4.1%, plus federal taxes.
Original purchase price
Renovations, additions — added to your basis
Agent commissions, closing costs, title & transfer fees
Total Tax
$42,000
21.0% effective rate
Capital Gain
$200,000
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Tax Breakdown
Sale price minus selling costs and all taxes (before any mortgage payoff).
Federal
$33,800
MT State
$8,200
Effective Rate
21.0%
Montana Capital Gains Tax
Montana taxes net long-term capital gains at their own rates: 3.0% on the part of the gain that fits under $47,500 of taxable income single ($71,250 head of household, $95,000 joint), and 4.1% above that. Short-term gains are ordinary income, taxed at 4.7% and 5.65%. This calculator applies 4.1% to the whole long-term gain and 5.65% to short-term gains, so it overstates the tax for filers with lower income. From 2027 the ordinary top rate drops to 5.4% and the brackets widen; the capital gains rates stay the same.
Long-term: 3.0%, then 4.1% once taxable income passes $47,500 single / $71,250 head of household / $95,000 joint
Short-term: Taxed as ordinary income (4.7%, then 5.65%)
NIIT Applied
The 3.8% Net Investment Income Tax applies because your income exceeds $200,000.
Montana Capital Gains Tax Details
Tax Treatment
Tax Type
Separate capital gains rate
Maximum Rate
4.1%
Available Exemptions
- Federal home-sale exclusion ($250K single / $500K married filing jointly) flows through to the Montana return
- Selling costs and capital improvements reduce the taxable gain
Montana Capital Gains Tax FAQ
Official References
- IRS Topic 409: Capital Gains and Losses
Federal capital gains tax guidance
- IRS Publication 523: Selling Your Home
$250K / $500K home-sale exclusion, basis adjustments, and selling expenses
- Montana Code 15-30-2103 — Rate of Tax and Net Long-Term Capital Gains
Montana state capital gains rules
This calculator provides estimates. Consult a tax professional for advice specific to your situation in Montana.
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