How much does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers actually take home in Montana?
Progressive (up to 5.9%) — 21.3% effective total tax rateData: BLS OEWS 2024 + IRS/State Tax Brackets 2024 • Updated 2026-04-02
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Detailed line-by-line tax calculation for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers earning $51,900 in Montana (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $51,900 | — |
| Federal Income Tax | -$4,244 | 8.2% |
| Montana State Income Tax | -$2,816 | 5.4% |
| Social Security (OASDI) | -$3,217 | 6.2% |
| Medicare | -$752 | 1.4% |
| Total Taxes | -$11,030 | 21.3% |
| Take-Home Pay | $40,869 | 78.7% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Montana.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $37,850 | -$7,440 | $30,409 | 19.7% |
| 25th Percentile (P25) | $46,750 | -$9,714 | $37,035 | 20.8% |
| Median (P50) | $51,900 | -$11,030 | $40,869 | 21.3% |
| 75th Percentile (P75) | $71,350 | -$16,959 | $54,390 | 23.8% |
| 90th Percentile (P90) | $77,490 | -$19,142 | $58,347 | 24.7% |
After federal income tax ($4,244), state tax ($2,816), and FICA ($3,970), a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Montana takes home $40,869 per year — or $3,405 per month. The effective tax rate of 21.3% is relatively low compared to the national range.
Where does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Montana ranks #36 out of 51 states for Heating, Air Conditioning, and Refrigeration Mechanics and Installers after-tax take-home pay.
A Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Montana earning a median salary of $51,900 will take home approximately $40,869 per year after federal income tax ($4,244), state income tax ($2,816), and FICA ($3,970). That is $3,405 per month or $1,571 per bi-weekly paycheck.
The effective total tax rate for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Montana is 21.3%, broken down as: federal income tax 8.2%, Montana state tax 5.4%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Montana has a progressive (up to 5.9%). On a Heating, Air Conditioning, and Refrigeration Mechanics and Installers's median salary of $51,900, the state income tax amounts to $2,816 per year, which is an effective state rate of 5.4%.
After all taxes, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Montana takes home approximately $3,405 per month, or about $19.65 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2024 BLS median salary of $51,900 for Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Montana, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Montana state income tax (progressive (up to 5.9%)), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $40,869/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR