Montana SALT Cap Calculator
For Montana filers.
The short answer: At the scenario numbers below, the OBBBA SALT deduction is $3,300 — about $726 back at a 22% rate ($28 per biweekly paycheck).
Old cap (pre-OBBBA): $10,000 deductible
Your OBBBA cap: $40,000
Extra deduction: $3,300
Est. federal tax savings: $726
Your state+local taxes ($13,300) are below your $40,000 cap
⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.
Your State's Slice of the $40,000 Cap
Montana's top 5.9% plus Gallatin Valley property appreciation push SALT upward.
- • Income + property → SALT to $40,000
- • Phase-out above $500,000 MFJ
- • Bozeman/Whitefish growth has lifted property tax bills sharply
Worked Example
A Bozeman MFJ household, $185,000 MAGI: about $8,800 income tax plus $4,500 property tax.
- • Deductible amount: $3,300
- • Federal income tax savings: $726 (at the 22% marginal rate)
- • Per biweekly paycheck: $28
Keep Reading
Frequently Asked Questions
Did OBBBA help Montana itemizers?
For those over $10,000 combined — increasingly common in resort counties.
Montana rebates in past years — affect SALT?
Property tax rebates reduce net tax paid; deduct actual net.