How much does a Physician make in Montana?

The average Physician salary in Montana is around $270,000 per year. After federal taxes, FICA, and Montana state taxes, your estimated take-home pay is approximately $181,248 annually ($15,104/month).

What is the take-home pay for a Physician in Montana?

On a $270,000 salary in Montana, your take-home pay is approximately $181,248/year or $15,104/month. Federal tax: $57,704. State tax: $15,065. FICA: $0.00.

Is $270,000 a good Physician salary?

$270,000 is a strong salary for a Physician — above the national median. In Montana, demand for this role is active.

How do Montana taxes affect Physician salaries?

Montana levies state income tax on top of federal taxes. Your estimated state tax on $270,000 is $15,065. Your total effective tax rate is approximately 32.9%.

What are the career growth prospects for Physicians?

3% growth through 2032 (about as fast as average). Related roles include: Family Doctor, Internist, Specialist, Surgeon, Hospitalist.

How can a Physician in Montana reduce their tax bill?

Maximize your 401(k) contribution ($24,500 in 2026) to reduce taxable income. An HSA ($4,400 single / $8,750 family) adds further pre-tax savings. These strategies can save thousands annually — use our calculator to see your exact savings.

Healthcare

Physician Salary in Montana (2026)

The average Physician in Montana earns around $270,000/year. After taxes, your estimated take-home is $181,248/year ($15,104/month).

Take-Home Pay Breakdown

Category	Amount
Annual Take-Home Pay	$181,248
Monthly Take-Home Pay	$15,104
Biweekly Take-Home Pay	$6,971
Hourly Take-Home Pay based on 2,080 hrs/year	$87/hr
Federal Tax	$57,704
State Tax	$15,065
FICA Taxes	$15,984
Effective Tax Rate total taxes ÷ gross salary	32.87%

Estimates only — not tax advice. · Full disclaimer →

Want to model 401(k), HSA, or pre-tax contributions against your full salary? Open the salary calculator →

Got a year-end bonus, sign-on, or retention payout? See the bonus calculator →

1099 contract work or side gigs? Self-employment tax adds 15.3% on top. Open the 1099 tax calculator →

Selling appreciated assets (stocks, real estate, crypto)? LTCG, NIIT, and state cap-gains all matter. Open the capital-gains calculator →

Key terms:···

Physician Salary Ranges in Montana

Entry Level (0–3 yrs)

$195,000

/year

See tax breakdown →

Mid Level (3–7 yrs)

$270,000

/year

See tax breakdown →

Senior Level (7+ yrs)

$425,000

/year

See tax breakdown →

Not all Physicians earn the same — not even close

Montana's physician market is anchored by Billings Clinic Billings (largest MT-HQ system + post-2024 Billings Clinic-Logan Health merger + the substantial Billings Clinic ~250-bed flagship + the only MT Level 1 trauma + Billings Clinic Cancer Center MT NCI-affiliated + Billings Clinic Heart & Vascular), Logan Health Kalispell (post-2024 merger + the substantial Logan Health Kalispell Regional rebrand), Bozeman Health Deaconess (~440-bed regional flagship), St Vincent Healthcare Billings (post-2023 Intermountain Health acquisition), Benefis Health Great Falls + St Patrick Hospital Missoula + Community Medical Center Missoula, the substantial Indian Health Service IHS MT (Blackfeet IHS Browning + Crow Agency IHS + Northern Cheyenne IHS Lame Deer + Fort Peck IHS Poplar + Fort Belknap IHS Harlem + Rocky Boy IHS Box Elder + Salish Kootenai), the substantial WWAMI Washington-Wyoming-Alaska-Montana-Idaho joint medical education + UW Medical School + the substantial MT WWAMI ~30 MD graduates annually, plus MT NP FPA since 1995.

Senior Specialist (Billings Clinic Cancer / Heart)

$365,000–$745,000+ bonus

Billings Clinic specialist · the substantial MT system + Cancer + Heart & Vascular

Senior Hospitalist (Billings / Logan / Bozeman)

$235,000–$365,000+ bonus

Billings + Logan + Bozeman Health + Benefis + St Vincent hospitalist

Senior PCP (Multi-System / FQHC)

$215,000–$315,000+ bonus

Primary care at Billings + Logan + Bozeman + MT FQHC community health

Senior Pediatrician

$215,000–$345,000+ bonus

Pediatrician at Billings Clinic + Bozeman Health + MT regional + the substantial MT pediatric

Senior Emergency Medicine

$285,000–$465,000+ bonus

Billings Level 1 + Logan + Bozeman + Benefis + MT community ED · EM physician

Senior Trauma Surgeon (Billings Clinic Level 1)

$465,000–$895,000+ bonus

Billings Clinic · the only MT Level 1 trauma + 24/7 trauma call

Senior Radiologist

$425,000–$785,000+ bonus

Radiology at MT health systems + the substantial MT teleradiology

Senior IHS Reservation Physician

$225,000–$345,000+ loan repayment + housing

Blackfeet + Crow + Northern Cheyenne + Fort Peck IHS · USPHS + LRP

Senior Federal Civilian (VA Fort Harrison / Helena)

$235,000–$385,000

VA Montana Health Care Fort Harrison Helena · federal civilian

Mid-Career Physician (5-10 yrs post-residency)

$245,000–$395,000

Specialty physician 5-10 yrs · transitioning to senior partnership

Worth knowing: Indian Health Service Montana 7 reservations + the substantial WWAMI medical education partnership is one of the country's distinctive concentrated US single-state IHS reservation + WWAMI multi-state medical education anchor and a feature most national physician surveys understate for MT. The substantial Indian Health Service IHS MT (Blackfeet IHS Browning ~410-bed + Crow Agency IHS ~5-bed + Northern Cheyenne IHS Lame Deer + Fort Peck IHS Poplar + Fort Belknap IHS Harlem + Rocky Boy IHS Box Elder + the substantial Salish Kootenai IHS-affiliated health + the substantial MT IHS Loan Repayment Program LRP + IHS Scholarship Program + USPHS Commissioned Corps pathway + housing) supports substantial MT IHS physician work. The substantial WWAMI Washington-Wyoming-Alaska-Montana-Idaho joint medical education (the substantial WWAMI consortium UW Medical School + UWashington Seattle medical pipeline serving the substantial WWAMI 5-state region + the substantial MT WWAMI ~30 MD graduates annually trained in MT regional clinical sites + the substantial MT WWAMI rural primary care pipeline + the substantial WWAMI Targeted Rural Underserved Track TRUST) supports distinctive MT physician pipeline. MT has NO in-state MD-granting institution + the substantial WWAMI partnership compensates. Billings Clinic + Logan Health post-2024 merger + Bozeman Health + St Vincent Intermountain MT + Benefis + St Patrick + Community Medical Center. MT NP Full Practice Authority since 1995 (Montana Code §37-8-202 — one of country's earliest US FPA states) affects physician supervision economics. MT flat 5.9% + MT 0% sales tax anchor the MT physician proposition.